What Are the Best Medicare Supplement Plans in Maryland? (2025)
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AARP/UnitedHealthcare has the best Medicare Supplement Plan G policies in Maryland because of its high customer satisfaction and low rates.
If you want a cheaper Medigap option, consider Plan N from Aetna. The company charges low rates and has a reputation for good customer service.
Cigna has the cheapest rates for both Plan G and Plan N policies. But, the company gets more than twice as many complaints as an average company its size. That means you may have a more difficult time filing your claim with Cigna than you would with other companies.
What's the best Medicare Supplement company in Maryland?
The best Maryland Medicare Supplement plans come from AARP/UnitedHealthcare.
The company has excellent customer satisfaction according to the National Association of Insurance Commissioners (NAIC), and it has some of the lowest rates in the state for Plan G. Aetna is the cheapest choice for Plan N. Plan N costs less than Plan G, and it covers most of the same things.
Top Medicare Supplement companies in Maryland
Company | Plan G rate |
Customer satisfaction (out of 5.0)
|
|---|---|---|
| $182 | 5.0 |
| $174 | 4.0 |
| $168 | 3.5 |
| $157 | 1.0 |
| $186 | 1.0 |
USAA is only available to current and former members of the military and their families.
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Plan G is the best Medigap plan for most people in Maryland. It offers the most complete coverage of any Medicare Supplement plan type, except for Plan F. But you can only buy Plan F if you became eligible for Medicare before Jan. 1, 2020.
Even if you can buy Plan F, it's typically a worse deal. That's because the only difference between Plan F and Plan G is that Plan F will pay for your $257 per year Medicare Part B deductible. But, Plan F costs $444 per year more than Plan G, on average, in Maryland.
Best overall: AARP/UnitedHealthcare (UHC)
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Editor rating
- Plan K: $79
- Plan L: $131
- Plan N: $150
- Plan G: $174
- Plan B: $180
- Plan F: $213
- Plan A: $319
- Plan C: $320
AARP/UnitedHealthcare is the best Medigap company in Maryland because of its strong customer service, low-cost Plan G policies and extra benefits for members. Most of its Medicare Supplement plans cost less than the state average, and the company has a reputation for good service. You'll also get access to AARP's list of benefits, which adds extra value to your plan.
AARP/UnitedHealthcare offers some of the best customer service in Maryland. It gets 47% fewer complaints than an average company its size. Only Aetna has a better customer service reputation among Maryland Medigap companies. But, Aetna is more expensive for Medicare Supplement Plan G.
To get a Medigap policy from AARP/UnitedHealthcare, you have to join AARP. A membership is just $20 per year, though, and you get access to AARP benefits like discounts, games and travel advice. AARP/UHC also has Medigap plans with "wellness extras." These options include discounts for some vision, dental and hearing services, a gym membership and a 24/7 nurse line.
AARP/UnitedHealthcare sells more than 42% of all the Medicare Supplement plans in Maryland, making it the most popular company.
Cheapest Plan N: Aetna
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Editor rating
- High-deductible Plan G: $47
- Plan N: $117
- Plan B: $163
- Plan G: $182
- Plan F: $198
- Plan A: $308
Aetna's monthly rate for Plan N is 14% cheaper than the state average.
In fact, Aetna has the cheapest MedigapPlan N in Maryland, on average. Plan N is a good choice if you are looking for a cheap monthly premium but want coverage that's almost as good as Plan G.
Aetna has the best customer service among large Medigap companies in Maryland. The company gets 84% fewer complaints than an average company its size. That makes it an excellent choice if you want cheap coverage and quality customer service.
How much does a Medigap plan cost in Maryland?
A Medicare Supplement Plan G in Maryland costs an average of $180 per month.
The cost of a Medigap plan depends on the company and plan letter you choose, so it's a good idea to compare Medigap plans. High-deductible Plan G is the cheapest option at $51 per month, and Plan C is the most expensive at $265 per month.
Your age when you buy a policy also affects your rate. Plan G for a 65-year-old costs an average of $173 per month, for example. By age 70, that same policy costs $195 per month, on average.
Your monthly rate may increase as you get older with some plans, but not with other plans. You can find out what type of pricing your plan has by checking your policy documents or by calling your insurance company or talking to your Medigap broker.
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Plans F, G and N are the most popular Medigap options in Maryland. More than 90% of all Medigap plans in Maryland are either F, G or N.
Maryland Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of MD enrollment |
|---|---|---|
| F | $210 | 40% |
| G | $173 | 35% |
| N | $133 | 15% |
| C | $265 | 3% |
| A | $271 | 2% |
*High-deductible plan options
When can I change Maryland Medigap plans?
Maryland residents can change Medigap plans within 30 days of their birthday every year.
This period includes your birthday and the thirty following days. So if your birthday falls on Oct. 1, you'd have until the end of the month to change your Medigap plan.
During this time, policies are what's called "guaranteed-issue," which means companies can't refuse to sell you a plan. If you currently pay a higher rate for Medigap coverage because of health issues, it's a good idea to change Medigap plans during the month following your birthday. During this time, your health problems won't be factored into your price, so you'll get a "preferred rate." However, you have to change to a plan with the same or worse benefits. You won't be able to buy a plan that gives you better coverage.
That means you should usually start with plans G, F or N, since they offer the best coverage of any Medigap plan option.
Frequently asked questions
What is the best Medicare Supplement plan in Maryland?
The best Medigap plan in Maryland is Plan G from AARP/UnitedHealthcare. AARP/UnitedHealthcare has affordable Medigap Plan G policies, strong customer satisfaction and extra benefits, such as discounts on restaurants and air travel.
What is the average cost of Medicare Supplement Plan G in Maryland?
In Maryland, Plan G costs an average of $173 per month for a 65-year-old woman who does not smoke. Rates depend on the company you choose, your age and your health.
What is the Birthday Rule in Maryland?
The Birthday Rule means that you can switch plans once per year in the 30-day period after your birthday. During this time, companies can't consider your medical history when setting rates. You can only switch to a plan with equal or lesser coverage than the plan you currently have.
Methodology and sources
Average Medicare Supplement costs were collected from the Centers for Medicare & Medicaid Services (CMS). Rates are for a 65-year-old woman who doesn't smoke, unless otherwise noted. Companies were chosen based on enrollment data collected by the NAIC. Enrollment data by Medigap plan type came from America's Health Insurance Plans (AHIP).
Each company was given a customer satisfaction score based on average complaint data from the National Association of Insurance Commissioners (NAIC). The rankings are on a five-point scale. Lower rankings indicate more complaints.
ValuePenguin editors selected the best Medigap companies in Maryland by looking at customer satisfaction, cost and extra benefits.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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