More than 1 million folks in Maryland are signed up for Medicare, inserting it in the highest half of U.S. states for Medicare beneficiaries.
Medicare is the federal government well being care program for folks age 65 and older. Medicare Advantage is a bundled different to Medicare that provides all the identical advantages and often some extras, equivalent to value financial savings on dental and imaginative and prescient protection.
Medicare Advantage plans supply extra advantages than Original Medicare, and they are often cheaper than paying for Medicare and a Medicare Supplement plan. However, they’ve much less flexibility because you’ll must get care from inside the plan’s community of suppliers. Weigh your choices to find out which plan most closely fits your wants.
What to find out about Medicare in Maryland
About 1 in 6 folks in Maryland are 65 and older, and the state affords a wide range of Medicare and Medicare Advantage plans.
The common month-to-month premium in 2022 for a Medicare Advantage plan in Maryland is $45.97. (It was $46.52 in 2021.)
There are 49 Medicare Advantage plans out there in Maryland in 2022. (This quantity is up from 41 plans in 2021.)
All Medicare-eligible folks in Maryland have entry to a $0-premium Medicare Advantage plan.
Medicare Advantage suppliers in Maryland
Top-rated Medicare Advantage plans in Maryland
Each yr, the Centers for Medicare & Medicaid Services, or CMS, awards each Medicare Advantage plan a star score on a scale of 1 to five, with 5 being a top-rated plan. Below are plans that obtained prime marks in Maryland for the 2022 plan yr. (Get extra details about Medicare star scores.)
The plans under are rated 5 stars out of 5 by the CMS:
Kaiser Permanente: Kaiser Permanente Medicare Advantage High MD, Kaiser Permanente Medicare Advantage Liberty, Kaiser Permanente Medicare Advantage Standard MD, Kaiser Permanente Medicare Advantage Value Balt, Kaiser Permanente Medicare Advantage Value MD.
UnitedHealthcare: Erickson Advantage Freedom, Erickson Advantage Liberty with Drugs, Erickson Advantage Liberty with out Drugs, Erickson Advantage Signature with Drugs.
There aren’t any Medicare Advantage plans in Maryland with 4.5 stars in 2022. The plans under are rated 4 stars out of 5 by the CMS:
Aetna Medicare: Aetna Medicare Connect Plus.
Humana: Humana Honor, HumanaChoice.
UnitedHealthcare: AARP Medicare Advantage Choice Plan 1, AARP Medicare Advantage Choice Plan 2, AARP Medicare Advantage Patriot.
This record does not embrace particular wants plans, which prohibit membership to folks with sure illnesses or traits, equivalent to having a continual sickness or residing in a nursing residence.
How to decide on a Medicare Advantage plan
It’s essential to ask a number of questions as you’re purchasing for the proper plan. Here’s a fast guidelines that can assist you think about your choices:
How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance will probably be? Can you afford them?
Is your physician in-network? If you might have a most well-liked physician (or docs) or hospital, ensure they take part in the plan’s community.
Are your prescriptions lined? If you’re on medicine, perceive how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?
Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?
Are there extras? Does the plan supply any further perks, equivalent to health memberships, transportation advantages or meal supply?
Medicare Advantage suppliers
Get extra data under about a number of the main Medicare Advantage suppliers. These insurers supply plans in most states. The plans you possibly can select from will rely in your ZIP code and county.
If you might have further questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).