Medicare Supplement Insurance (Medigap) helps Maryland seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Maryland insurers may offer up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are only available to those who qualified for Medicare before January 1, 2020.
Most Popular Medigap Plans in Maryland
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 112,995 |
| 2 | G | 81,377 |
| 3 | N | 37,849 |
How Medigap Pricing Works in Maryland
The way insurers set premiums directly affects how affordable coverage will be over time. Maryland Medigap policies may use one of three methods:
- Attained-age rated – Premiums rise as you get older.
- Issue-age rated – Premiums are based on your age when you first purchase the policy, with future increases tied to inflation, not aging.
- Community rated – All policyholders pay the same premium regardless of age.
Under-65 Eligibility in Maryland
Medigap is available to some Maryland residents under 65, such as those with disabilities or end-stage renal disease (ESRD). State law provides a unique safeguard: insurers cannot charge under-65 enrollees more for Plan A than the average premium paid by beneficiaries age 65 and older. This protection applies exclusively to Plan A, making it the most accessible Medigap option for younger Medicare beneficiaries in Maryland.
Choosing a Medigap Plan in Maryland
Long-time enrollees often favor Plan F, while newer beneficiaries increasingly choose Plan G for broad coverage and Plan N for lower premiums. All plans can be used nationwide at any doctor or hospital that accepts Medicare, giving Maryland residents reliable coverage at home and while traveling.
To compare premiums and benefits in your area, visit our Medigap rate comparison page and review the plans side by side.