It can only be used in combination with your Original Medicare coverage. These policies are helpful for covering expenses that would usually be your responsibility.
Maryland Medigap Plans
Costs that are included in Part A and Part B are covered under this type of supplemental insurance plan. Medicare in Maryland does not cover expenses such as dental services, vision services, and hearing services.
However, you’ll have assistance when it comes to co-payments, deductibles, and any coinsurance costs that you may have. Depending on the plan you choose, you may also have coverage for additional services that would not be normally included under Medicare, including blood services or certain nursing services in the home.
When you’re trying to find the best way to manage your healthcare expenses, MD Medigap Plans can ease the burden. It’s time to find out more about how you can make your healthcare more manageable with an affordable Medigap insurance plan.
Benefits Included
Each plan will include the basic core policy benefits found in Plan A including coverage for your Part A coinsurance hospital cost for an additional 365 days after your Original Medicare has been exhausted, any car insurance or co-payments for your Medicare Part B, cost for the first 3 pints of blood needed for any medical procedure, you are part a hospice care co-payment or coinsurance and any Medicare preventive care Part B coinsurance.
The only difference between Plan A & Plan B is that Medigap Plan B coverage includes your Part A deductible. The difference between Plan B and Plan C is that Medicare Supplement Plan C coverage includes your Part B deductible, any coinsurance for Skilled Nursing Facility care and any foreign travel emergency up to your plan limits. Medigap Plan D insurance plans have all the same benefits as Plan C minus coverage for your Part B deductible.
Medigap Plan G benefits, Plan F and high-deductible Plan F are the only plans that will include coverage for any Medicare Part B excess charges that your doctor may charge. If you’re looking for a cost sharing plan, then Plan K and Medigap Plan L benefits would be the ones to look at for that.
The only plan that requires a small co-payment for some office visits and emergency room visits is Medigap Plan N coverage.
Enrollment for Maryland Medigap Insurance
If you’re thinking about enrolling in Maryland Medigap insurance, you need to know the details first. You can enroll at any time once your enrolled in Part B of Original Medicare and are 65 years old. However, to avoid any medical underwriting and receive guaranteed issue status, you must enroll during your OEP.
Your Open Enrollment Period is six months long and begins on the 1st day of the month you’re at least 65 years old AND your Medicare Part B is active. During that period, you can enroll without any complications or consideration of your current health condition, meaning your Maryland Medigap rates won’t be increased by the provider due to any health issues.
If you wait until after Open Enrollment, medical underwriting could be necessary. You could expect higher premium costs, or even be denied coverage.
Maryland Medigap Plans for Under 65
There are options available for Maryland Medigap plans for recipients under 65 years of age. Not all states make it mandatory for a provider to offer these supplement plans if you’re on disability and receiving Medicare benefits under 65.
Good news is, you have two plan options available to you in this state, Medigap Plan A core policy and Plan C are offered as a Maryland Medigap policy for those under 65.
State Medicare Facts
In 2014, Maryland state spent a total amount of almost 11 million dollars on Medicare, making the average amount spent per enrollee around $12,000 during that year. In 2013, 1.1% of beneficiaries were diagnosed with ESRD that became enrolled. Of that 1.1%, just over 4,500 had reached the age of 65 and the remaining 5,000 or so we’re disabled with ESRD.
