Updated July 2, 2026
Maryland's Medigap market reflects its position as a high-cost mid-Atlantic state. Plan G here runs around $160 per month, and the state draws a substantial number of federal retirees who tend to be well-informed shoppers.
Things to Know About Medigap in Maryland
- Plan G in Maryland runs about $160 a month for a typical new enrollee, though age, sex, tobacco use and insurer all move that number.
- Every Plan G sold in Maryland covers the same federally standardized benefits, so price and rating method are what actually separate one carrier from another.
- Your 6 month Open Enrollment window in Maryland opens the month your Medicare Part B coverage starts, and no insurer can turn you down or charge more for health history during it.
- Miss that window in Maryland and carriers can medically underwrite new applications, which can mean a higher rate or a declined application.
Enrolling in Maryland
Maryland follows standard federal Medigap enrollment rules. The 6-month Open Enrollment Period begins the month your Medicare Part B starts. During that window, every Maryland insurer must accept you at standard rates regardless of your health. After it closes, insurers can ask health questions and decline or surcharge based on what they find. Use the open enrollment calculator to find your exact dates. Federal employees and retirees in the DC metro area sometimes have access to FEHB coverage alongside Medicare, which can change the calculus on buying a supplement: worth factoring in before you decide. The Medigap vs Advantage calculator can help you compare costs either way.
How Plan G works in Maryland
Federal law standardizes Medigap benefits, so Plan G from any carrier licensed in Maryland covers the same things: Part A deductible, Part B coinsurance, skilled nursing facility coinsurance, and a foreign travel emergency benefit, among others. The one gap Plan G leaves open is the annual Part B deductible. The premium is the variable: two carriers can quote the same person meaningfully different rates for identical coverage. The Medigap cost calculator gives you an age-based estimate to compare against, and the plan comparison page shows how Plan G stacks up against other letter plans.
FAQs
How much does Medigap Plan G cost in Maryland?
Plan G premiums in Maryland run around $160 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
When can I enroll in Medigap in Maryland without medical underwriting?
Your 6 month Medigap Open Enrollment period in Maryland starts the month your Medicare Part B coverage begins, and no insurer can deny you or charge more based on health history during that window.