Residents of Maryland who are eligible for Medicare coverage can choose among various plan options, including Original Medicare, Medicare Advantage, Part D prescription drug plans, and Medicare supplement insurance.

Medicare eligibility in Maryland follows the same federal guidelines as elsewhere in the country. To be eligible, a person must be at least 65 years old or living with a qualifying disability or chronic health condition.

Learn more about the options for Medicare coverage as a resident of Maryland.

According to the Centers for Medicare & Medicaid Services (CMS), the following are some key figures about Medicare in Maryland in 2025:

  • Enrollment: There are 1,138,161 residents of Maryland enrolled in Medicare.
  • Medicare Advantage (Part C): There are 64 Medicare Advantage plans available, compared with 68 the prior year.
  • Part D: Residents of Maryland may have access to 14 stand-alone Part D plans.
  • Extra Help program: Roughly 25.39% of people enrolled in a stand-alone Part D plan get Extra Help.

Residents of Maryland have various options for Medicare coverage, including Original Medicare, Medicare Advantage, Part D, and Medigap.

Original Medicare in Maryland

Individuals eligible for Medicare may enroll in Original Medicare, which is made up of Part A (hospital insurance) and Part B (medical insurance). Together, these plans meet the bulk of a person’s healthcare needs.

Part A coverage includes:

  • inpatient hospital care
  • skilled nursing facility care
  • hospice care
  • limited home healthcare

Part B coverage includes:

  • outpatient care from doctors or other healthcare professionals
  • lab and imaging tests
  • durable medical equipment (DME)
  • preventive services

Medicare Advantage plans in Maryland

Medicare Advantage (Part C) plans are an alternative to Original Medicare. These plans include the same level of coverage as parts A and B while offering additional benefits, such as vision, dental, and hearing care. Most Medicare Advantage plans also include prescription drug coverage.

In 2025, the average monthly premium for a Medicare Advantage plan in Maryland is $30.92. The lowest available premium is $0. There are 64 different plan options.

Some of the organizations that offer Medicare Advantage plans in Maryland include:

  • Aetna Medicare
  • KeyCare Advantage
  • CareFirst BlueCross BlueShield Medicare Advantage
  • Cigna Healthcare
  • CommuniCare Advantage
  • Humana
  • Johns Hopkins Advantage MD
  • Kaiser Permanente
  • KeyCare Advantage
  • Provider Partners Health Plans
  • UnitedHealthcare

A person can explore Medicare Advantage coverage options by visiting the Medicare website and entering their ZIP code.

To assist people with selecting Medicare Advantage and Part D drug plans, CMS assigns star ratings to all the plans in each state.

In 2025, the Medicare Advantage plans in Maryland to receive an overall star rating of 5 are UnitedHealthcare’s Erickson Advantage and UHC Nursing Home plans. Aetna Medicare and Kaiser Permanente also had plans come in at 4.5 stars.

Star ratings for Part C and Part D plans can be found in the CY2025 Landscape document, available on the Medicare website.

Part D in Maryland

Medicare Part D is prescription drug coverage that individuals can purchase in addition to their Original Medicare coverage or Medicare Advantage coverage (if their plan does not include drug coverage). Private insurance companies offer these plans.

In Maryland, 14 stand-alone plans are available across the state. The exact plans offered to a person will depend on their county.

According to the health policy research group KFF, the average Part D premium cost for plans in Maryland was $44.33 in 2024.

Medicare supplement plans in Maryland

Medicare supplement plans, also called Medigap plans, are offered by private insurance companies to assist with the out-of-pocket costs of Original Medicare. These costs include deductibles, copayments, and coinsurance.

Medigap plans are not available to people with Medicare Advantage.

Some of the organizations offering Medigap plans in Maryland in 2025 include:

  • American Home Life Insurance Company
  • Bankers Fidelity Assurance Company
  • Erie Family Life Insurance Company
  • Manhattan Life Assurance Company
  • Mutual of Omaha
  • Nassau Life Insurance Company
  • Royal Arcanum
  • United American Insurance Company

To explore Medigap coverage options, a person can visit the Medicare website and enter their ZIP code.

Medicare resources for residents of Maryland

For further information about Medicare plan options, coverage, and costs, consider the following resources:

  • Medicare: Contact Medicare by phone at 800-633-4227 or online. Representatives are available 24/7 to offer support.
  • State Health Insurance Assistance Program (SHIP): Maryland SHIP is a state program that offers free, unbiased guidance to Medicare beneficiaries in the state.
  • Social Security Administration (SSA): The SSA website has information about signing up for Medicare, applying for Extra Help, and managing benefits.

Medicare enrollment windows are the same in Maryland as in other states. These are important periods during which people can join, switch, or drop coverage:

  • Initial enrollment period: This is a 7-month period that starts 3 months before the month of a person’s 65th birthday. If a person qualifies for Medicare through age, this is their first opportunity to join a plan.
  • Open enrollment period: This is also known as the annual enrollment period. From October 15 to December 7, people can switch plans or add coverage.
  • General enrollment period: Anyone who misses initial enrollment may enroll during this period.
  • Special enrollment period: Life events that affect someone’s health insurance status may trigger a special enrollment period.
  • Medicare Advantage open enrollment: From January 1 to March 31, people enrolled in Medicare Advantage plans can switch plans or return to Original Medicare.

In some cases, Medicare will automatically sign a person up for coverage. This can happen if they have a disability and have received Social Security Disability Insurance (SSDI) for 2 years or have amyotrophic lateral sclerosis (ALS).

People can join a plan by:

When selecting a plan, it’s important to consider factors such as:

  • Cost: Plans will have different out-of-pocket costs to consider, including monthly premiums, annual deductibles, coinsurance, and copayments. Some plans will have annual out-of-pocket maximums, whereas others will not.
  • Choice: While Original Medicare coverage works across the country with any provider who accepts Medicare, Medicare Advantage plans can put restrictions on which providers members may see.
  • Coverage: Consider coverage needs when deciding on a plan. If a person needs benefits such as vision, dental, hearing, or prescription drug coverage, they may require more than Original Medicare alone.
  • Special health concerns: Certain health conditions require tailored insurance plans. A person may wish to consider a Special Needs Plan (SNP) if they have a condition such as diabetes or HIV.

Medicare in Maryland follows the same federal guidelines as elsewhere throughout the United States. Residents may enroll in Original Medicare (parts A and B) or a Medicare Advantage (Part C) plan.

Private insurance companies offer Part C plans, and plan options vary across the state based on a person’s county of residence. An individual can also choose to add a Part D plan to cover drug costs or a Medigap plan to help with the expenses of Original Medicare.

Before picking a plan, people may consider their coverage needs, provider preferences, and cost requirements. For assistance, people can reach out to Medicare, the SSA, or Maryland’s SHIP.