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HomeMedicare SupplementMarylandMedigap in Maryland for 2027: 21 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Maryland for 2027: 21 Insurers and the Plans They Sell

BALTIMORE — For Marylanders who stick with Original Medicare, a Medicare Supplement policy — better known as Medigap — is the private add-on that helps pay the deductibles and coinsurance Medicare Parts A and B leave behind. A Medicare.gov Medigap policy search for ZIP code 21209 returns 21 insurers selling plans in the state, offering most of the federally standardized plan letters.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP code 21209 lists 21 insurers and plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N; what is sold can vary by ZIP code, age, sex and tobacco use.
  • Your strongest shopping window is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and first enrolled in Part B, during which insurers cannot use medical underwriting.
  • About 20 Medicare Advantage plans offered in Maryland in 2026 are not being offered anywhere in the state in 2027, and members losing coverage get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a separate Part D plan is chosen during Annual Enrollment 2027, which runs October 15 – December 7, 2026.
Medicare SupplementMaryland
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Maryland
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Maryland?

Medigap is private insurance that works alongside Original Medicare, paying some of the out-of-pocket costs — like coinsurance and hospital deductibles — that Parts A and B do not cover. Medicare Advantage (Part C), by contrast, replaces the way you get Original Medicare and typically bundles medical and drug coverage through a private plan with its own network and rules.

You cannot use a Medigap policy with a Medicare Advantage plan. Medigap is designed for people who keep Original Medicare and want more predictable cost-sharing when they see any doctor or hospital that accepts Medicare.

Which insurers sell Medigap in Maryland, and what plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 21209 lists 21 insurers. Across those insurers, the plan letters sold by at least one company are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

Here is what the search returns, in alphabetical order:

Availability and pricing can differ by ZIP code and by age, sex and tobacco use, so the exact set of options you see may not match this list from 21209.

What is the six-month Medigap Open Enrollment Period in Maryland and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B. During that window, any insurer selling Medigap in Maryland must sell you any policy it offers at the same price it charges a healthy person of the same age, regardless of your health history.

Outside that window, insurers in most situations may use medical underwriting, which can mean higher premiums or a declined application. That is why many people shop Medigap carefully during those first six months.

What are guaranteed-issue rights, and what happens if my Medicare Advantage plan is not returning in Maryland for 2027?

Guaranteed-issue rights are specific situations in which insurers must sell you certain Medigap plans without medical underwriting, even outside your Medigap Open Enrollment Period. Being involuntarily dropped because your Medicare Advantage plan is leaving your area is one of those situations.

CMS Landscape files show about 20 Medicare Advantage plans offered in Maryland in 2026 that are not being offered anywhere in the state in 2027. Members of those plans have a federal guaranteed-issue right to buy certain Medigap policies within set timeframes. Medicare.gov lists which specific plan letters qualify and the deadlines that apply.

Does Medigap cover prescriptions in Maryland, or do I need a separate Part D plan?

Medigap sold today does not cover prescription drugs, so a stand-alone Medicare Part D plan is chosen separately through Medicare.gov's Plan Finder. For 2027, the most any Part D plan may charge as a deductible is $700, and the out-of-pocket cap for covered drugs is $2,400 (up from $2,100 in 2026). The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan.

Annual Enrollment 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.

How do I compare Medigap policies in Maryland?

Because Medigap plans with the same letter must cover the same federally standardized benefits no matter which company sells them, the main differences between two Plan G policies — or any two policies of the same letter — are price, customer service and the insurer's rate history. Medicare.gov's Medigap policy search lets you enter your ZIP code and see the insurers available to you, and each company can quote your rate based on your age, sex and tobacco use.

Before deciding, request the outline of coverage directly from the insurer or an agent, and ask how the company has adjusted premiums for existing members over time.

Where can Marylanders get free Medicare help?

Medicare.gov has free tools for comparing Medigap policies, Part D drug plans and Medicare Advantage plans, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which is separate from Medicare's own 2027 figures. CMS typically announces the 2027 Part B standard premium, deductible and IRMAA income brackets in the fall; watch Medicare.gov for the official numbers.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch Medigap plans in Maryland during Annual Enrollment 2027?
Annual Enrollment, October 15 – December 7, 2026, is for Medicare Advantage and Part D decisions. Medigap has its own rules; outside your six-month Medigap Open Enrollment Period or a guaranteed-issue situation, Maryland insurers may use medical underwriting when you apply. Medicare.gov explains the specific situations in which you can switch without underwriting.
Does Medigap in Maryland include drug coverage for 2027?
No. Medigap policies sold today do not include prescription drug coverage. If you want drug coverage, you enroll in a stand-alone Part D plan through Medicare.gov; for 2027, the Part D out-of-pocket cap is $2,400 and the maximum plan deductible is $700.
What if my Medicare Advantage plan is not offered in Maryland in 2027?
About 20 Medicare Advantage plans offered in Maryland in 2026 are not being offered anywhere in the state in 2027. If yours is one of them, you have a federal guaranteed-issue right to buy certain Medigap policies within set timeframes. Call 1-800-MEDICARE or check Medicare.gov for the exact plan letters and deadlines that apply to your situation.
Where can I confirm which Medigap plans are sold at my Maryland ZIP code?
Use the Medigap policy search at Medicare.gov with your own ZIP code, or call 1-800-MEDICARE. The 21 insurers and plan letters listed in this article come from a search of ZIP code 21209, and availability can differ by ZIP code and by age, sex and tobacco use.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov — Medigap policy search for ZIP code 21209: the list of 21 insurers and the plan letters each one sells.
  • CMS Landscape Source File: the count of about 20 Medicare Advantage plans offered in Maryland in 2026 and not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period and federal guaranteed-issue rights.
  • Medicare.gov — Medicare enrollment periods: Annual Enrollment 2027 dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
  • CMS — Part D program parameters for 2027: the $2,400 out-of-pocket cap, the $700 maximum plan deductible and the $41.33 base beneficiary premium.
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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