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2025 Medicare Plans In Maryland

Learn about all the new Medicare Plans for 2025, costs, benefits, deadlines and more. From Supplement Plans (Medigap) and Rx Prescription Drug plans, to Medicare Advantage Part C, you can find them here.  And best of all, Medicare is all I do!

Medicare Broker Peter Palmiotto
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Be The First To Know!

CMS prohibits the release of 2025 Medicare Plan information prior to October 1st.

All plan information will be posted here on 10/01/2024.

YOU HAVE TWO FREE OPTIONS:

OPTION 1

Newsletter By Email

I will email you my newsletter the first week of October. I just need your email address. You will receive about five emails per year. You can unsubscribe at anytime.

Your information is private and is never shared.

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OPTION 2

Newsletter By Mail 

+ Small Gift

I will mail you my newsletter (and email) along with a small gift of my appreciation the first week of October. I will need your name, address and email. All other data on this form is optional.  

Your information is private and is never shared.

Types Of 2025 Medicare Plans In Maryland

As an independent broker, I work with over 25 insurance companies that offer these plans!

Supplement Plans

Have the benefit to choose your own doctors nationwide without networks or referrals. Rates go up about 7% per year and do not include an extra benefits like Rx or dental.  Popular plans are G and N, and Plan F as well.

Medicare Advantage

Advantage Plans are also known as Part C. Packed with amazing benefits like dental, vision, hearing, transportation and Rx coverage, they utilize a network of doctors and can sometimes require a referral. Options vary by county.

Prescription Part D

Also known as PDP or Rx plans, these are constantly changing each year. Medicare requires you to have some type of Drug coverage or face financial penalties.  Rules and costs change annually. I offer all Part D plans in Maryland.

Medicaid Plans

For those on BOTH Medicare & Medicaid, there are many options for $0 Premium and $0 copayment plans. They vary by your Medicaid level and by county. Contact me to learn more and check your eligibility.  Restrictions apply.

Click here to view the 2024 Medicare Plan Options in Maryland.

About Me.

My name is Peter Palmiotto, an independent Medicare insurance broker.  As a San Diego native, I attended California State University at Long Beach and have worked with multiple Fortune 500 companies in sales, marketing and brand management.  Self-employed since 2002, I began my Medicare journey in 2011 by creating San Diego Medicare Options and later created a training program to help train new brokers. 


In 2018 we moved to Annapolis, Maryland where I created Maryland Medicare Options. I'm hyper-focused on serving the Maryland market, but also carry licenses in VA, DE, PA, DC, FL, TX, AZ and CA.


I've been married to my wife Kim since 2003 and together we are raising four beautiful daughters.

What They're Saying...

Kandy C.

Client

"Peter is extremely knowledgeable and responsive. He helped us navigate the complicated process of understanding Medicare Part B, Supplemental vs. Advantage Plans, and then helped us sign up correctly for the plan that suited us best. We recommend him highly."

John J.

Client

"Peter was extremely helpful and knowledgeable. He took a very complex topic and broke it down, step-by-step, and walked us through it. We highly recommend Peter!"

Barry S.

Client

"Peter is thoughtful, patient, knowledgeable, and a huge help navigating the complexities of the Medicare landscape."

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Bernard W.

Client

"Peter is not only knowledgeable in the Medicare Advantage field in Maryland , but is “ personable” in talking to and made my medical insurance choice very easy . Looking forward in speaking with him again !"

Kevin C.

Client

"Peter is incredibly knowledgeable about all aspects of Medicare, and was invaluable in helping us steer through the maze of Medicare details... We would recommend his service to all! Thank you Peter."

Karen J.

Client

"Peter is very knowledgeable about the Medicare process. I found him to be responsive to our questions and concerns. We were switching from an Advantage Program to a supplemental plan and he made the process very easy."

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Top Plan Changes For 2025 Medicare Plans

Each fall, starting on October 15th and running through December 7th, is what we call the Annual Enrollment Period, or "AEP."  This is when you'll see the most 2025 Medicare Plans in Maryland change.

I'm going to cover the 5 most common changes to lookout for and what deadlines you need to be aware of for Medicare Advantage Part C plans and Drug Plans.

  • CHANGES TO BENEFITS:  Be on the lookout for your 2025 Medicare Plan ANOC letter mailed by your carrier sometime in September. This stands for Annual Notice of Change. This letter will show you, side-by-side, 2024 Medicare Plans vs 2025 Plan benefits.  This will clearly show if your benefits are going up, or down, or being eliminated. 
  • NETWORK CHANGES:  Most network negotiations occur in the late spring and into the summer months, with final contracts typically coming down to the wire each year. Most doctor networks won't change, but you might want to ask your providers if your 2025 Medicare Plan will be accepted by the physician. Be sure to call in November to ask, so you have time to change in the rare case your physician group leaves the plan.
  • PRICING:  You can be sure that prices for your plans, and copayments will change each year.  Some are very subtle and you may not even realize (or care) that they changed.  Big changes to look for would be the monthly premium, the hospital stays, and the doctor visits.  These can add up over time. Pricing changes will also be listed in your ANOC letter.
  • Rx COVERAGE:  Rx plans change each year, and so will your insurance companies drug formulary.  This is a list of all the medications your plan covers. Each company negotiates rates, and sometimes medications are dropped completely in favor for less expensive alternatives.  It's best to ask your broker to rerun your Rx list each fall to ensure you're fully covered.
  • SUPPLEMENTAL PERKS:  If you plan on having a 2025 Medicare Advantage Plan, be sure to check the "perks" you get to see if they are being changed (for better or worse).  Things like Dental, Vision, Hearing, Transportation and Gym memberships often change. The biggest changes will be in the "Over The Counter" quarterly benefits.  These are adjusted based on usage, and plans often time move around money to bolster benefits that are being utilized, and sunset benefits that are not. 
Where Do I Get My ANOC Letter?

Every Medicare insurance company that offers a Medicare Advantage Plan in 2025 is required to send you a letter in September.  If you misplaced this letter or simply did not get one, you can call the customer service number on the back of your membership card and ask for another letter.  You can also contact me to request one, and I'd be happy to send you a copy. Just let me know which Advantage Plan you currently have:

  • peterpalmiotto@gmail.com
  • (410) 896-1212
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The small print...

Maryland Medicare Advantage Part C 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 Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.

THIS IS A SOLICITATION TO SELL INSURANCE.

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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