Maryland Medicare Options

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medicare decision guide maryland

Should You Enroll Into Medicare?

Click the image to Download my free Medicare enrollment decision guide.

Since 2011, I've Helped 1,000's Of Clients

What Maryland Medicare Options Does For You


As an advisor, I will help you understand all your Medicare options so you can decide which is best for you. I will show you several plans to compare "apples-to-apples." I will explain all the costs and find you the lowest priced option to cover all your requirements.


After you select an insurance plan, I will handle all the filing of the applications. I will ensure they are submitted within Medicare's guidelines and follow up with you once you're approved. I am HIPPA compliant and securely store documents for at least 10 years. 


Medicare rules and rates change yearly. I dedicate at least 80+ hours per year to certification, training and education. This means I will always have updated information about your plan. I can help you make changes to your plan, ensuring the proper coverage year round.

Book an appointment with Maryland Medicare Options using Setmore

maryland medicare options

Why is working with me so different?

The main difference between myself and other "agents" is that Medicare insurance is all I do.  I have elected to make Medicare my only line of business. I'm local to Maryland (Annapolis) and cover the entire state, no matter where you live. This means we can meet in person and I have local knowledge of the area, rules, deadlines and doctor networks. I'm licensed with many carriers that other agents don't even know about. And since I've helped 1000's of seniors obtain great coverage, I have years of experience as an advisor for seniors from all walks of life.  My focus is to find you the best coverage for the lowest price.

Getting it right the first time is important, and working with someone that knows exactly what to do is critical to ensure a smooth and efficient transition.  Give me a call to discuss your Medicare needs.

"Broker" vs "Agent":  Even if we don't work together, I would encourage you to work with an independent broker rather than an "agent."  A broker means they don't work for any particular insurance carrier, an agent is often a direct employee of the insurance company. Brokers are 100% independent and licensed with a variety of carriers. As long as the broker has access to at least 10 different insurance carriers, they should be able to properly help you, without being biased.

medicare for healthy seniors maryland

Knowing What Is Available Is The First Challenge With Medicare Insurance Shopping

Sometimes too many choices leads to analysis paralysis and mass confusion. There is a ton of outdated and misinformation out there. I always stay up-to-date and present my clients with ALL their choices in the marketplace, even if I don't have access to one or two options (I still want you to know about them).

Medicare insurance is complex.  It has various deadlines, acronyms, pricing structures and rules that if broken or ignored, can lead to penalties in the form of delayed coverage or even financial penalties. 

Since I am an independent Medicare advisor, I can walk you through all types of plans, explaining them in plain English so you fully understand each benefit. This is the only way you can ever have a clear picture about your medicare options. If you're turning 65 soon, learn What To Do When Turning 65.

I am licensed and authorized to sell Medicare:

 Supplement Gap Plans | Advantage Part C | Prescription Drug PDP Plans

Book an appointment with Maryland Medicare Options using Setmore

All Maryland Medicare Options Services Are FREE And You'll Never Pay More For My Help

I am compensated by the insurance carriers for helping you. You never pay a broker fee or inflated insurance premiums for having me help you.  In fact, all insurance rates are set by law, so you will always be presented with published, verifiable, real-time pricing. Let me help you save money!

Turning 65 And What You Need To Know

There are a few ways you can qualify for Medicare insurance. Most people qualify by turning 65 years of age. You can enroll into the Medicare system up to 3 months prior to your 65th birth month, but your benefits will not start until the first day of your 65th birth month. If you were born on the 1st, then your benefits start one month earlier, on the first day of the month prior to your 65th birth month.

You can also qualify for Medicare at any age if you're permanently disabled after a 2 year waiting period. Those that have End Stage Renal Disease (ESRD) or ALS (also known as Lou Gehrig’s disease) also qualify but do not have to wait 2 years to obtain benefits. Typically your benefits start after four months of dialysis or as soon as your SSDI benefits begin for those with ALS. To learn more about how you can qualify for Medicare, please visit or call Maryland Medicare Options at 410-896-1212.

how medicare works

Waiting Might Increase Your Overall Costs

Waiting to enroll or missing vital deadlines might cost you money in the form of penalties, or even delayed enrollment!  Do NOT wait to enroll into Medicare unless you have credible coverage through a Union, the VA, or you are able to stay on your employer's group plan past your 65th birthday.  As long as you have credible coverage, you do not need to enroll into Medicare and you will not incur any penalties. There are exceptions to this rule, so please contact me at 410-896-1212 to discuss your situation.

Do You Make More Than $97,000 Per Year?

Read About Your Income Related Monthly Adjustments (IRMAA)

I can show you how to potentially lower your Medicare Part B premium if you are currently a "high income earner." This is ethical and legal and the SSA allows it.

Enrolling into Medicare is easy and is done through your local Social Security Office. If you're already taking SSI benefits, you'll be automatically enrolled into Medicare.

There's lots of inaccurate and outdated information out there regarding Medicare. Bad information can make the process more confusing. That's where a trusted broker can help.

Most people are surprised by the savings Medicare offers them over workplace insurance or Obamacare. And to be honest, there are some great additional benefits that Medicare offers.

Medicare Products I'm Licensed To Help You With

  • Supplement Gap Plans (F, G, N, High Deductible Plans and others)
    These typically pay where Medicare leaves off. Typically, Medicare supplemental plans require answering health questions to be approved. But when you're turning 65, you are given a "free pass" called a Guaranteed Issue period where you are automatically approved. Learn More. There are many rules surrounding enrollments, start dates and medical underwriting. It's best to discuss your personal situation to determine the best path forward.
  • Advantage Part C Plans (HMO's, PPO's, Dual Medicaid & Medicare Plans, Special Needs Plans and others)
    Advantage plans are fantastic alternatives to higher priced Supplement Plans. There are many options in each county that work with particular Dr. networks and pharmacies. The extra benefits like dental, vision, hearing and transportation are a great reason to take a closer look. Learn More.
  • Prescription Drug Rx Plans (also known as PDP Plans or Medicare Part D)
    These plans are typically available statewide rather than by county. You are required to carry prescription drug coverage once you're on Medicare, and you can be subject to a financial penalty if you don't.  Even if you don't currently take any medications, it's advisable to enroll into a lower priced plan to satisfy Medicare's Part D requirement.  Learn More.
Book an appointment with Maryland Medicare Options using Setmore

Here's "What You Get"

With Maryland Medicare Options

  • Access to over 25 different companies so you get to see dozens of rates and a variety of benefits across various plans.
  • An Independent licensed broker since 2011 focused exclusively on Medicare.
  • A simple, straight-forward review of plans you can choose from based on your health needs, lifestyle and budget.
  • Piece of mind with an unbiased broker that can help you navigate all of the complexities of Medicare.
  • A single point of contact for all your Medicare insurance requirements.
  • A stress-free experience without any complicated research, homework or sales pressure.

100% Satisfaction Guarantee

You are fully protected by my Client Satisfaction-Guarantee. If you don't get the service you deserve from Maryland Medicare Options, and the right plan that fits your needs, just let me know and I work with the insurance companies to help make things right. I will continue to help you obtain the coverage you want, even if you elect to work with another Medicare advisor.

Frequently Asked Questions

Is there a fee for your services?

What do I need before we work together?

Can this all be done over the phone/online?

If it's free, how do you make money?

What licenses do you hold to sell Medicare?

Do you sell any other types of insurance?

FRIENDLY NOTE:  Helping you with your Medicare insurance is how I support my family.  I'm a hard working independent broker that is knowledgeable and committed to your satisfaction.  If you know of anyone I can help, I would appreciate you sharing my information with them.

2020 Copyright - Maryland Medicare Options | Peter Palmiotto | MD License #3000236502

Maryland Medicare Advantage Disclosure:  I do not offer every plan available in your area. Currently I represent 8 organizations which offer 39 products in your area. Please contact, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.


Peter Palmiotto is an independently licensed insurance broker and receives compensation when insurance policies are issued. He is not sponsored or endorsed by any insurance company. This is a proprietary website and is not associated with, endorsed or authorized by the state of Maryland, Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare.

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