15.27% of Waldorf, Maryland residents have Medicare Advantage plans. Females with an average age of 72 make up 57.12% of enrollees, while men represent 42.88%. There are several supplemental plans available for Medicare in Waldorf, Maryland, that can help make your medical expenses more affordable.

Supplemental Medicare Plans in Waldorf, Maryland

Supplemental Medicare plans cover several medical costs that Original Medicare in Maryland does not cover. Enrolling in a Medicare Advantage or Medigap plan can supplement Part A and Part B coverage. The average age of Medicare Advantage enrollees is 72, with women representing 57.12% and men making up 42.88%.

Average Medicare Advantage Plans in Waldorf, MD

As stated, only 15.27% of Waldorf beneficiaries have Medicare Advantage plans. There are currently 20 Maryland Medicare Advantage plans in Waldorf that help qualified residents with uncovered medical expenses. Below are some of the best Medicare Advantage plan carriers in Baltimore, MD.

It’s critical to pay attention to monthly premiums (how much you’ll pay per month) and deductibles (how much of your medical costs you’ll have to cover before insurance kicks in) when examining plans. A holistic view will help you make the best choice for you.

Kaiser Permanente is currently the highest-rated Medicare Advantage carrier in Waldorf. It’s a five-star carrier that offers HMO (Health Maintenance Organization) plan types with $25 premiums and a $6,900 MOOP (Maximum Out-Of-Pocket).

Cigna sports a three-star rating and offers HMO plan types with $30 premiums and a $7,550 MOOP.

Alterwood Advantage offers HMO plan types with zero-dollar premiums and a $7,550 MOOP. Although it doesn’t currently have a star rating, it’s widely popular and is a go-to choice for many Waldorf residents.

PLAN PREMIUM MOOP Plan Type Star Rating
Alterwood Advantage $0 $7,550 HMO N/A
Kaiser Permanente $0 $6,900 HMO 5
Cigna $30.00 $7,550 HMO 3
Carefirst BCBS $35.00 $7,550 HMO N/A
Kaiser Permanente $25.00 $6,900 HMO 5

Affordable Medicare Supplement Plans in Waldorf, MD

Maryland Medicare Supplement plans are government-standardized plans that don’t fluctuate in prices from state to state. They help people pay for medical care their Original Medicare doesn’t cover, preventing them from paying out of pocket. However, Medigap plans require you to pay monthly premiums.

Below are some popular Medigap plans.

Medigap Plan G is immensely popular among Waldorf residents due to its extensive coverage and low premiums. Its premiums range from $124.39 to $400.72. Medigap Plan G also doesn’t support a Plan B deductible.

Plan F is one of the most comprehensive supplement plans for Medicare in Waldorf, Maryland. Premiums range from $146.64 to $474.75.

High-Deductible Plan G (HDG) enrollees enjoy all the benefits from Plan G but with a monthly deductible. HDG premiums hover between $38.98 to $83.07.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $128.51 $1,531.13
PLAN B $145.94 $423.33
PLAN C $172.90 $559.37
PLAN D $185.56 $239.09
PLAN F $146.64 $474.75
PLAN HDF $44.50 $85.05
PLAN G $124.39 $400.72
PLAN HDG $38.98 $83.07
PLAN K $67.51 $153.62
PLAN L $85.67 $304.64
PLAN M $104.96 $462.89
PLAN N $104.01 $382.15

Cheapest Medicare Part D in Waldorf, MD

Part D plans are independent plans that cover prescription medication costs. Unfortunately, no Medigap plans cover prescriptions, requiring many people to purchase prescription drug coverage in Maryland separately. However, a few select Medicare Advantages plans pay for medications.

Below are some Waldorf Part D providers.

Aetna is a three-star carrier that offers Part D plans with $7.10 premiums and $480 deductibles.

Another three-star carrier, Wellcare, offers Part D plans with $12.90 premiums. Its plans also have a $480 deductible.

Humana is one of two Part D providers with a four-star rating. Its programs have $22.70 premiums with $480 deductibles.

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

Special Needs Plans, also known as SNPs, are a subdivision of Medicare Advantage plans that benefit Waldorf residents with special needs or chronic disabilities. However, SNPs aren’t available in every region. Below are some Special Needs Plan carriers in Waldorf, MD.

Carefirst BCBS offers HMO plan types without premiums. They have a $7,550 MOOP and provide enrollees with dual eligibility.

Communicare provides HMO plans with zero-dollar premiums and a $7,550 deductible. Communicare also offers chronic or disabling eligibility to qualified residents.

Cigna offers HMO plan types with $31 premiums, a $7,550 MOOP, and dual eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO-POS Dual
Carefirst BCBS $0 $7,550 HMO Dual
Communicare $16.00 $7,550 HMO Chronic or Disabling
Cigna $31.00 $7,550 HMO Dual
UnitedHealthcare $36.30 $1,800 LOCAL PPO Institutional

FAQs

What Is a Medicare Advantage Plan vs. Medicare in Waldorf, MD?

Several aspects differentiate Medicare Advantage from Original Medicare. Below are some common differences.

  • Hospital and doctor choice
  • Pricing
  • Coverage
  • Overseas medical care coverage

Can You Switch Back and Forth Between Medicare and Medicare Advantage in Waldorf, MD?

You can switch your coverage during specific enrollment periods. If you want to join a new Medicare Advantage plan, enroll in your new program, and Medicare will automatically disenroll you from your old one. Contact your current plan carrier to join Original Medicare or call the Medicare hotline.

What Do Medigap Policies Cover in Waldorf, MD?

Medigap policies prevent you from paying out of pocket for medical care that Original Medicare doesn’t cover. Many Medigap plans cover Part A deductibles, Part B coinsurances, extended hospitalization stays, and more. However, Medigap doesn’t cover prescription costs.

Can I have Medicare and Medicaid at the same time in Waldorf, MD?

Yes. Qualified Waldorf residents can have Medicare and Medicaid simultaneously.

How to Sign Up for Supplemental Medicare in Waldorf, MD

If you need help enrolling in a supplemental Medicare plan in Waldorf, Maryland, contact Medigap. Our team will help you find the best plan while keeping your budget in mind. We have vast experience guiding Waldorf residents through the supplemental Medicare process and can help you with all your enrolling needs.

Contact us at the number above or complete our online rate form and get your rate today!

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.