Over 57 million people have Medicare Part A and Part B coverage, and 122,199 live in Silver Spring, Maryland. 42.12% of Medicare enrollees also have a Medicare Advantage plan nationally.

In contrast, just 12.27% have a Medicare Advantage plan in Silver Spring. Let us help you find more information about supplement plans for Medicare in Silver Spring, Maryland.

Supplemental Medicare Plans in Silver Spring, Maryland

Medicare Part A and B in Maryland can’t pay for all medical and prescription drug costs. Many Medicare beneficiaries enroll in private supplemental insurance to cover the remaining costs. The rates below represent coverage for a woman aged 65.

Affordable Medicare Advantage Plans in Silver Spring, Maryland

Nearly 15,000 people in Silver Spring participate in Maryland’s Medicare Advantage out of more than 24 million participants nationally. Participants can choose between an average of 39 plans. The number varies by county.

A zero-premium plan from Kaiser Permanente has a $7,200 maximum for out-of-pocket expenses. It provides coverage through an HMO and has a five-star rating.

UnitedHealthcare’s $0 premium plan offers coverage through a local PPO. It has a four-star rating and a lower out-of-pocket maximum of $6,700.

Alterwood Advantage has an HMO plan with a higher $7,550 out-of-pocket maximum and a $0 premium. It does not have a star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Kaiser Permanente $0 $7,200 HMO 5
Alterwood Advantage $0 $7,550 HMO N/A
UnitedHealthcare $0 $6,700 LOCAL PPO 4
Johns Hopkins $30.00 $7,550 HMO 3
CareFirst BCBS $35.00 $7,550 HMO N/A

Average Medicare Supplement Plans in Silver Spring, Maryland

Medicare Supplement plans in Maryland provide additional coverage in exchange for additional premiums. The coverage is the same for enrollees in all 50 states. However, the premiums differ due to differences in healthcare costs in different parts of the country and other factors.

If you’re looking for plans with reasonable premiums, HDG and HDF are good choices. Plan HDF has premiums ranging from $32 to almost $75. Plan HDG also has premiums between $32 and $72.

Medigap Plan N is another popular choice for supplemental coverage. Premiums for Plan N range from $96.73 to $382.15. Deductibles are often lower for policies that charge higher premiums. Be sure to compare the premiums of the plans you consider before you enroll.

If you need a plan with a low deductible and can afford the higher premiums, Plan A and Plan C have high premiums. Plan A can cost more than $1345 per month, and Plan C costs over $559. The higher premium places these plans out of the reach of some Medicare beneficiaries.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $108.00 $1,345.55
PLAN B $137.45 $371.84
PLAN C $166.58 $559.37
PLAN D $150.14 $185.12
PLAN F $135.90 $417.04
PLAN HDF $32.00 $74.51
PLAN G $115.29 $400.72
PLAN HDG $32.00 $72.77
PLAN K $61.28 $153.62
PLAN L $80.83 $267.52
PLAN M $94.93 $406.62
PLAN N $96.73 $382.15

Cheapest Medicare Part D in Silver Spring, Maryland

Medicare Part D plans are supplemental Medicare plans that provide prescription drug coverage. Along with some Medicare Advantage plans, they offer enrollees a way to complement their existing coverage. Prescription drug plans in Maryland are stand-alone plans, not add-ons to Medicare Parts A and B.

The UnitedHealthcare plan has a slightly lower deductible of $310. Its premium is $29.30, higher than many alternatives, but it also has a four-star rating.

An Aetna plan has the lowest premium ($710). It has a middling three-star rating and a deductible of $480.

The plan with the second-lowest premium is from Wellcare. For a $12.90 premium, you get a three-star plan with a $480 deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.10 $480 3
Wellcare $12.90 $480 3
Clear Spring $17.20 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans

Many people with disabilities and special needs have supplemental Medicare Special Needs Plans (SNPs) to cover medical costs. SNPs are Medicare Advantage plans that provide prescription drug coverage and coverage for equipment and services used by people with special needs.

The UnitedHealthcare plan is a dual eligibility plan that replaced Part A, B, and D coverage under a single policy. It has a $0 premium and a maximum out-of-pocket limit of $7,550. The HMO-POS plan makes seeing doctors outside your network easier if you must.

The Alterwood Advantage, Johns Hopkins, and CareFirst BCBS plans are all dual eligibility HMO plans but not Point-Of-Sale. They all have $0 premiums and an out-of-pocket maximum of $7,550.

The CommuniCare plan has a $37 premium and the same out-of-pocket maximum as the other policies ($7,550). This plan is for individuals staying or expecting to stay in a Long-Term Care (LTC) facility, Skilled Nursing Facility (SNF), or other qualifying healthcare institutions for 90 days or more.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO-POS Dual
Alterwood Advantage $0 $7,550 HMO Dual
Johns Hopkins $0 $7,550 HMO Dual
CareFirst BCBS $0 $7,550 HMO Dual
CommuniCare $37.00 $7,550 HMO Institutional

FAQs

Does Medicare Come out of Social Security in Silver Spring, MD?

Medicare Part A does not have a premium, and Medicare Part B premiums come from your Social Security benefits. Private insurance companies provide coverage for Medicare Advantage and Medicare Parts C and D so that you can pay premiums directly to them. Optionally, you can discuss deducting premiums from Social Security benefits to your provider.

Is There a Copay for Medicare in Silver Spring, MD?

You might have copays for prescription drugs through Medicare Part D coverage. Medicare parts A and B have co-insurance rather than copays. You pay 20% of the cost, and Medicare covers the remaining 80%. Learn more about Medicare costs here.

Does Medicare Part A Cover Emergency Room visit in Silver Spring, MD?

Medicare Part A will only cover emergency room visits if you’re admitted to the hospital. It will also cover medication administered during inpatient care. It also covers nursing, home care, and hospice care related to hospitalization.

Does Medicare Part A Cover Medications in Silver Spring, MD?

Medicare Part A might cover medications if you’re admitted to the hospital but not for an ER visit or regular prescriptions. For prescription drug coverage, consider a Medicare Part D plan.

How does Part D of Medicare work in Silver Spring, MD?

Part D of Medicare provides coverage (with copays) for prescription medications. Once you enroll, you pay premiums to private companies in exchange for prescription drug coverage. One controversial aspect of Part D is the “donut hole, ” which is the gap in coverage between the initial and catastrophic coverage phases.

How to Sign Up for Supplemental Medicare in Silver Spring, Maryland

At Medigap, we look forward to helping you navigate the Medicare system and helping you find a plan that meets your needs.

To get rates for supplemental Medicare plans in Silver Spring, MD, give us a call or fill out the form on our website.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.