Best Medicare Supplement Plans in Maryland 2026
Maryland has over 336,000+ Medigap enrollees - Plan G starts at just $126/mo in Baltimore. Maryland enacted a birthday rule in July 2023, giving enrollees a 30-day annual window to switch carriers without underwriting. We compared 43+ carriers to find the best coverage in the Old Line State.
Maryland Birthday Rule: Switch Medigap Carriers Every Year Without Underwriting
Maryland enacted a Medigap birthday rule effective July 1, 2023. If you already have a Medigap policy, you get a 30-day window starting on your birthday each year to switch to any carrier offering a plan with equal or lesser benefits - without answering health questions. This means you can shop for a lower premium once a year without medical underwriting. Note: Maryland's rule allows switching to the same plan level or lower (e.g., Plan G to Plan G, or Plan G to Plan N). The Maryland Insurance Administration also publishes a free rate comparison guide twice a year to help you compare all licensed carriers.
More than 336,000 Marylanders have Medicare Supplement Insurance, or Medigap. Maryland is home to a large and diverse Medicare population spanning Baltimore, Annapolis, the Baltimore-Washington corridor, and the Eastern Shore. With over 43 carriers licensed in the state and Plan G starting at just $126 per month in Baltimore, Maryland offers a competitive Medigap market with strong consumer protections.
Maryland became a birthday rule state on July 1, 2023. If you already have a Medigap policy, you now have a 30-day window starting on your birthday each year to switch to any carrier offering an equal or lesser plan - without medical underwriting. This is a significant consumer protection that makes it easier to shop for better rates annually. Plan G is the most popular Medigap plan for new enrollees in Maryland, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). The Maryland Insurance Administration also publishes a free Medigap rate comparison guide twice a year, making it one of the most transparent Medigap markets in the country.
Compare the Best Medicare Supplement Plans in Maryland
Our top-rated Medigap carriers in Maryland, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Baltimore. Rates in Annapolis, Bethesda, and other regions may vary.
Mutual of Omaha
Plan G
$148/mo
Plan N
$107/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Maryland, combining A+ financial strength with outstanding customer service. Their 7% household discount and stable rate history make them the most trusted choice for Maryland retirees who want long-term reliability.
AARP / UnitedHealthcare
Plan G
$145/mo
Plan N
$104/mo
AM Best
A
AARP/UnitedHealthcare is one of the largest Medigap insurers in Maryland. Their 24/7 nurse hotline, broad plan selection, and AARP member perks make them a strong choice for enrollees who value brand recognition and added benefits alongside solid coverage.
Humana
Plan G
$133/mo
Plan N
$96/mo
AM Best
A-
Humana stands out in Maryland for including the SilverSneakers fitness benefit, giving members free access to thousands of gyms and fitness centers statewide. For active retirees in the Baltimore-Washington corridor, the fitness perk adds real value on top of competitive Medigap coverage.
Physicians Life
Plan G
$126/mo
Plan N
$91/mo
AM Best
A-
Physicians Life offers the lowest Plan G premium in the Baltimore market at $126/mo, making them attractive for budget-conscious enrollees. Their complaint ratio runs slightly higher than top-tier carriers, so they are best for healthy enrollees comfortable shopping again in a few years.
Wellabe
Plan G
$131/mo
Plan N
$95/mo
AM Best
A-
Wellabe (formerly Medico) offers a compelling middle ground in Maryland: cheaper than Mutual of Omaha and AARP/UHC, with a better complaint record than the cheapest options. For Maryland enrollees who want to save money without taking on service risk, Wellabe is worth a quote.
Medicare Supplement Prices in Maryland
Sample monthly premiums from top carriers in Baltimore. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Maryland uses attained-age rating - premiums will increase as you age. Use Maryland's birthday rule each year to shop for a lower rate. Annapolis and Bethesda rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Physicians Life | $126 | $91 | $149 |
| Wellabe | $131 | $95 | N/A |
| Humana | $133 | $96 | $158 |
| AARP / UnitedHealthcare | $145 | $104 | $169 |
| Mutual of Omaha | $148 | $107 | $172 |
| Cigna | $145 | $103 | $168 |
| State Farm | $152 | $109 | N/A |
| Bankers Fidelity | $137 | $98 | $161 |
Lowest available in Maryland (Baltimore): Plan G from $126/mo | Plan N from $91/mo | Source: Maryland Insurance Administration, FairSquare Medicare, May 2026
Plan G vs. Plan N in Maryland
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Maryland. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Baltimore) | $126-$152 | $91-$109 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
Maryland's birthday rule is a great tool - but the 30-day window goes fast. Set a reminder a month before your birthday so you have time to shop and compare rates before the window opens. Mutual of Omaha at $148/mo is the best long-term value in Maryland - A+ rated, U.S.-based customer service, and a 7% household discount. Physicians Life at $126/mo is the cheapest option, but their complaint ratio runs higher. If you want to save money now and plan to use the birthday rule to shop again next year, Physicians Life is a reasonable starting point. Also: the Maryland Insurance Administration publishes a free rate guide every January and July - it lists every licensed carrier and their current premiums, which makes Maryland one of the easiest states to comparison shop in.
Maryland Medigap Rules You Should Know
Maryland Birthday Rule (July 1, 2023)
Maryland enacted a birthday rule effective July 1, 2023. During the 30-day window following your birthday each year, you can switch to a Medigap plan with equal or lesser benefits without answering health questions. This means you can shop for a lower premium from a different carrier once a year without medical underwriting, as long as you stay at the same plan level or lower.
Attained-Age Rating Standard
Most Maryland Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your enrollment age, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years.
Maryland Insurance Administration Rate Guide
The Maryland Insurance Administration publishes an official Medigap rate comparison guide twice a year (January and July). This free guide lists all licensed carriers and their current premiums, making it one of the most useful state-published resources for Medigap shoppers in the country.
Household Discount Available
Many Maryland carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Humana, Cigna, and Wellabe. Always ask about the household discount when getting quotes.
Free Counseling via Maryland SHIP
Maryland's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-243-3425 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Maryland market average
Plan Availability
Number of plan types offered in Maryland
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Maryland Insurance Administration, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Maryland ZIP Code
Maryland's birthday rule means you can shop for a better rate every year. With Plan G starting at $126/mo in Baltimore and over 43 carriers licensed in the state, there is real competition to take advantage of. The Maryland Insurance Administration also publishes a free rate guide twice a year. Enter your ZIP code to compare rates from all available carriers in your area.