Medicare Coverage in Maryland

Expand your Medicare coverage in Maryland

After you have enrolled in Original Medicare, you have options to expand your coverage. Original Medicare is your Part A and Part B and they cover a wide range of items. However, there are expenses within these parts that you will be expected to pay out-of-pocket. Therefore, it’s a good idea to consider expanding your Maryland Medicare coverage.

Supplemental Coverage in Maryland

One way you can expand your coverage is by applying for a supplement plan in Maryland. Your supplement plan is your gap coverage that pays after Original Medicare. Some or all the expenses that fall through the gaps of your Original Medicare are what your supplement plan covers. 

There are ten different plans offered in Maryland and each one covers a different number of items.

A few things that you can expect to pay out-of-pocket if you were just to have Original Medicare are your Part A deductible, Part B deductible, Part B excess charges, and your copays. Plan F covers 100% of the items listed above plus some. Because of it being the most comprehensive plan offered currently, it usually has the highest monthly premium.

Plan G covers everything just like Plan F however, is does not cover your Part B annual deductible.

Without a supplement plan you can expect to pay everything listed above along with other items. All of which can potentially add up to thousands of dollars.

Maryland’s Medicare Advantage Plans

Having a Medicare Advantage Plan can also give you additional coverage because it includes your Original Medicare along with a Part D plan usually as well. Part D is your drug plan that you can have to help you with your prescriptions from retail pharmacies.

Each Advantage plan is different in the way that they increase your coverage. Some plans even offer dental, vision, and even hearing coverage.

Advantage plans usually have cheaper monthly premiums because they can sometimes have restrictions on providers and they don’t always cover 100% of certain items like supplement plans can. For example, a supplement plan could cover your specialist’s copay in full, whereas your Advantage plan may only cover part.

There are times that Medicare Advantage plans are easier to enroll in than supplement plans. There is a certain one-time enrollment window for Medicare Supplements called your Open Enrollment Period where you can enroll in a supplement plan without answering any medical questions.

If you miss that period you will have to answer those medical questions and depending on your answers, they could deny you that coverage.

With Advantage Plans there is on one medical question, so it’s easier to be accepted.

Learn How to Expand Your Coverage

By contacting Boomer Benefits, you create the opportunity to work with an independent agency that specializes in Medicare. We have the ability to look at multiple insurance companies and compare rates and plans throughout 47 states.

We also offer a Client Service Team that is here to help you with the struggles you will come across while having Medicare, such as claims/bills, penalties, rate increases, and even relocation. Contact us today to expand your Maryland coverage today. 1-855-732-9055.