Best Medicare Advantage Plans Maryland 2025

Comparing the best Medicare Advantage plans in Maryland for 2025 just got easier. With an array of options, pinpointing the best plan for your needs might seem daunting.

This article strips away the confusion, directly comparing plans for quality, costs, and satisfaction.

Expect a straightforward rundown of the Maryland Medicare Advantage landscape, where we zero in on what makes a plan worthy of your consideration without the fluff.

 

Key Takeaways

 

 

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Discovering Maryland’s Elite Medicare Advantage Plans for 2025

You might be wondering, what are the top-rated Medicare Advantage plans in Maryland for 2025? Look no further than UnitedHealthcare and Humana. These two powerhouses are at the forefront of Maryland’s Medicare Advantage landscape, with UnitedHealthcare boasting the only 5-star rated offering in the state.

Humana, not too far behind, carries a 4.5-star CMS rating for its high-quality Medicare Advantage plans.

 

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But what makes these plans stand out? Key factors like customer satisfaction, coverage quality, and additional benefits such as dental and vision play a pivotal role in their high ratings.

However, remember that the best plan for you is the one that aligns with your healthcare needs and budget. Thus, it’s beneficial to evaluate different Medicare Advantage plans considering the CMS Star Ratings, a vital metric for assessing plans’ quality and performance, with five-star plans being the most sought after.

Finding the best plan might seem like looking for a needle in a haystack, but it doesn’t have to be. The Medicare.gov’s plan finder tool is a handy resource. Here’s how to use it:

 

  1. Input your ZIP code to find Medicare Advantage plans in your region.
  2. Look for the CMS star ratings for each plan. These ratings indicate the quality and performance of the plan.
  3. Compare the plans based on their coverage, costs, and star ratings.
  4. Make an educated choice about your health coverage.

 

This tool makes it easier than ever to compare plans and make an educated choice about your health coverage.

 

Navigating the Landscape of Medicare Advantage Plans in Maryland

So, you’ve decided to enroll in a Medicare Advantage plan. But what type should you choose?

In Maryland, the common types of Medicare Advantage Plans include Medicare Advantage HMO and Preferred Provider Organizations (PPOs). Making an informed choice between these two types of plans involves understanding their costs, provider networks, and coverage flexibility.

HMOs are typically more affordable and require in-network doctor visits and referrals for specialists. On the other hand, PPO plans offer benefits like using in-network providers at a lower cost, not requiring a primary care doctor, and allowing access to out-of-network providers at a higher cost without needing referrals for specialists.

Bear in mind, PPO members enjoy the flexibility of accessing emergency and urgent care from any provider, albeit typically at the cost of an additional monthly premium atop their Medicare Part B premium.

Despite PPOs’ increased flexibility, it’s vital to verify coverage before availing services from out-of-network providers to be certain that treatments are covered and medically necessary.

Some specific services like chemotherapy, dialysis, and skilled nursing care are capped at the same cost as Original Medicare in PPO plans, with a 90-day transition period when switching plans.

 

Excellence in Health Coverage: Maryland’s Premier Medicare Advantage Providers

Now that you’re familiar with the types of Medicare Advantage plans, let’s delve into Maryland’s premier Medicare Advantage providers.

UnitedHealthcare leads the pack with the best Medicare Advantage plans in the state, boasting a 5-star rating from CMS for 2025. But that’s not all. UnitedHealthcare offers a variety of high-quality plans, including the Erickson Advantage Liberty with a 5-star rating and no monthly premium.

 

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Some elite options for Medicare Advantage coverage in Maryland include:

 

  • Kaiser Permanente, which offers a 5-star rated plan
  • Humana, which has a 4.5-star rating from CMS
  • Johns Hopkins Advantage MD, which has a robust provider network comprising over 10,000 Maryland providers and has been a trusted name in community healthcare for over 125 years

 

With these options, Maryland residents have a plethora of choices for their Medicare Advantage coverage.

Of course, UnitedHealthcare, Humana, and Johns Hopkins Advantage MD are not the only medicare advantage companies contributing to the diverse range of Medicare Advantage options in Maryland. Other providers like Alterwood Advantage, Communicare Advantage, and Johns Hopkins Health Plans also offer competitive Medicare Advantage plans.

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Cost Analysis: Affordable Medicare Advantage Options in Maryland

Cost is a key consideration when choosing a Medicare Advantage plan. You’ll be pleased to know that the average monthly premium for a Medicare Advantage plan in Maryland has seen a slight decrease from $35.77 in 2023 to $35.50 in 2025.

Moreover, every Medicare-eligible individual in Maryland has access to at least one $0-premium Medicare Advantage plan, providing an affordable entry point for coverage.

When assessing affordability, remember to consider more than just the monthly premium. You should consider the total costs associated with Medicare Advantage plans, such as:

 

 

  • premiums for both Part B and the Medicare Advantage plan
  • copayments for doctor visits and other services
  • deductibles for certain services
  • coinsurance for hospital stays and other services

 

This will ensure that the comprehensive cost is affordable. For instance, HMO plans’ monthly premiums range from $14.00 to $92.00, depending on the plan chosen.

The good news is, there has been an increase in the number of Medicare Advantage plans in Maryland, from 55 to 64, providing more choices for consumers. With such a variety of plans at different cost points, it’s easier than ever to find a plan that suits your budget.

 

Comprehensive Care: In-Depth Look at Prescription Drug Coverage

Prescription drug coverage is an integral part of comprehensive healthcare coverage. In Maryland, there are 28 Medicare Advantage plans with prescription drugs coverage available from nine different companies. This wide range of options ensures that you can find a plan that covers your medication needs.

 

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Most PPO plans in Maryland include Medicare Part D prescription drug coverage, and members seeking drug coverage must join a PPO that offers it. However, the costs for drug coverage can vary based on the prescriptions, whether they’re included in the plan’s formulary, the drug’s tier, the benefit phase the member is in, and the pharmacy used.

Hence, it’s crucial to ensure your prescriptions are listed in the plan’s formulary, understand the tier placement of your medications, and be cognizant of any relevant coverage rules.

Preferred pharmacy networks in Maryland’s Medicare Advantage plans may offer lower out-of-pocket drug costs due to special pricing agreements. Leveraging these agreements can help you manage your prescription costs and make the most of your Medicare Advantage plan.

 

Beyond Basic Benefits: Extra Perks of Maryland’s Best Medicare Advantage Plans

Beyond basic coverage, the best Medicare Advantage plans in Maryland offer additional perks that enhance the value of the plan. Many plans provide wellness and fitness programs, such as SilverSneakers fitness classes and live workouts, tailored to beneficiaries’ health needs.

Some plans even offer gym memberships and fitness programs as part of their coverage, providing a value beyond what is offered by Original Medicare.

 

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In addition to fitness programs, certain plans offer additional benefits catered to the needs of those with chronic illnesses, ensuring customized care management. Dental coverage, vision, and hearing care, essential for comprehensive health, are often included in Medicare Advantage plans with various copays and coverage limits.

Health insurance coverage, such as Medicare Advantage and Medicaid services, provided by some providers like Kaiser Permanente, offer affordable plans with coverage for over-the-counter medications, telehealth appointments, and other value-added services.

When choosing a Medicare Advantage plan in Maryland, considering additional benefits like transportation, meal delivery, and telehealth can influence your decision. These extra perks can significantly enhance your healthcare experience and provide comprehensive care that caters to your health needs and lifestyle.

Tailoring Your Choice: How to Select the Right Medicare Advantage Plan for You in Maryland

Selecting the apt Medicare Advantage plan requires a careful evaluation of various factors such as:

 

  • Costs
  • Provider networks
  • Prescription coverage
  • Additional benefits

 

You must confirm that your healthcare providers are part of the network for the Medicare Advantage plan you’re considering, which is offered by private insurance companies, to steer clear of extra out-of-pocket expenses.

Evaluating the prescription drug coverage and any extra perks such as fitness memberships, transportation, or meal delivery services offered by the plan is also critical. Furthermore, comprehending the plan’s stance on organizational determinations and the mechanism of plan-directed care is important as it can influence your costs and access to services.

However, remember that not all Medicare Advantage Plans are available in every county in Maryland, so check the plans offered in your specific location. To compare Medicare Advantage plans, assess value for money by considering plans with high Medicare star ratings and positive customer satisfaction alongside the cost.

These factors will help you tailor your choice and select the right Medicare Advantage plan that suits your needs.

 

Enrollment Essentials: Timing and Eligibility for Medicare Advantage in Maryland

Certain eligibility criteria must be met to enroll in a Medicare Advantage plan in Maryland. You must have Medicare Part A and Part B, be a U.S. citizen or lawfully present, and live in the plan’s service area. So, when is the right time to enroll in a Medicare Advantage plan?

The Initial Coverage Election Period for Medicare Advantage in Maryland starts three months before a beneficiary turns 65, includes the month of their birthday, and extends three months after, aligning with their first eligibility for Medicare. But what if you missed this period? Don’t worry.

The Medicare Open Enrollment Period in Maryland occurs annually from October 15th to December 7th, allowing beneficiaries to change between Original Medicare and Medicare Advantage, select a different Medicare Advantage Plan, or alter Medicare Part D Prescription Drug Plans.

Moreover, Medicare beneficiaries should review their plan’s Annual Notice of Change received by September 30th to understand any plan changes for the upcoming year, including premiums and copays.

And in certain cases, Special Enrollment Periods allow Maryland residents to adjust their Medicare Advantage and Medicare prescription drug coverage in response to certain life events, such as moving or loss of other insurance.

 

Localized Assistance: Utilizing Maryland Medicare Resources

While navigating through Medicare Advantage plans might seem daunting, Maryland Medicare resources are there to offer much-needed help.

 

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The Maryland State Health Insurance Assistance Program (SHIP) offers free and personalized assistance in understanding and navigating Medicare plans. SHIP can help with:

 

  • Plan comparison
  • Enrollment
  • Understanding coverage and costs
  • Eligibility for financial assistance programs
  • Billing issues
  • Healthcare fraud prevention

 

SHIP counselors are screened, trained, and certified Medicare experts who are available in all 23 counties and Baltimore City to offer one-on-one guidance. In addition to SHIP, resources like 211 Maryland, Maryland Department of Aging, and the Maryland Insurance Administration provide vital information and assistance related to Medicare Advantage plans in the state.

A licensed insurance agent can also help you navigate the Medicare Advantage landscape.

In addition, initiatives such as the Maryland Senior Medicare Patrol program enlighten seniors on preventing Medicare fraud, and the Maryland Access Point offers resources for long-term care, legal assistance, and other local support services.

Localized resources like the Anne Arundel County Department of Aging and Disabilities extend services including:

 

  • a resources list
  • low-cost healthcare
  • aging resource database
  • legal and financial aid programs

 

To Medicare eligible residents, senior living offers various benefits and services tailored to their needs.

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Summary

Choosing a Medicare Advantage plan in Maryland involves careful consideration of various factors, including cost, coverage, provider networks, prescription drug coverage, and extra benefits.

Each individual’s needs are unique, so it’s essential to compare different plans and choose one that aligns with your healthcare needs and financial circumstances.

Remember, the goal is comprehensive, affordable healthcare that caters to your needs. With the plethora of choices available in Maryland, you have the power to choose a plan that offers not just medical coverage but also enhances your overall well-being. Make an informed choice, and embrace a happier, healthier future.

 

 

Frequently Asked Questions

 

What is the most popular Medicare Advantage plan for 2025?

Humana is the most popular Medicare Advantage plan for 2025 due to its high ratings, good benefits, and no-monthly-cost plans, making it a top choice for most people. AARP/UnitedHealthcare and Kaiser Permanente also offer competitive options.

 

Is Medicare premiums going down in 2025?

Medicare premiums are set to increase in 2025, with the standard monthly Part B premium rising to $174.70 from $164.90 in 2023. Additionally, the annual deductible for all Medicare Part B enrollees will increase to $240 from $226 in 2023.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers.

 

What are the top-rated Medicare Advantage plans in Maryland for 2025?

The top-rated Medicare Advantage plans in Maryland for 2025 are UnitedHealthcare’s 5-star plan and Humana’s 4.5-star plan, offering comprehensive coverage and benefits.

 

What is the difference between HMO and PPO Medicare Advantage plans?

The main difference between HMO and PPO Medicare Advantage plans is that HMO plans are more affordable but require in-network doctor visits and referrals for specialists, while PPO plans offer greater flexibility and access to out-of-network providers at a higher cost without needing referrals.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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1-844-350-0776
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