Donna Eason Farmer's Insurance Agent

Donna Eason


Denton, MD 21629

Maryland Medicare Options

Peter Palmiotto - Medicare Insurance Broker Since 2011 


Maryland License #3000236502

Supplement Gap Plans  |  Advantage Plans  |  Prescription Rx Plans

Independent Broker Licensed & Certified With

AARP Medicare Supplements

AARP MedicareRx

Aetna Life Insurance Co

Alterwood Health

Americo Financial Life

Anthem Blue Cross

Atlantic Coast Life

Blue Shield

CareFirst Blue Cross / Blue Shield


Chubb Financial (ACE Medigap)

Continental Life Insurance

Gerber Life Insurance Co

Guaranteed Trust Life

Heartland National


Johns Hopkins

Kaiser Permanente

Lasso Healthcare

Lumico Life Insurance

Manhattan Life Insurance Co

Mutual of Omaha

New Era - Philadelphia Life

Oxford Life Insurance Co

Philadelphia Life


Standard Life & Accident Insurance

United American

United Healthcare

United of Omaha Life Insurance

University of Maryland


Enjoy A Free $15 Gift With Any Medicare Insurance Quote!

(You must mention your Farmer's Insurance agent's name to qualify)

medicare quote

* Limit 1 per household. Must be Medicare eligible within 12 months of quote.

Call Medicare Broker Peter Palmiotto (410)896-1212 For Your Free Consultation

Supplement Gap Plans

Medicare doesn't cover all of your medical expenses. In fact, you're liable for up to 20% of all your medical bills. Filling in this "gap" with supplemental coverage is a fast and easy way to avoid unexpected costs. 

Medicare Supplement plans help pay for the expenses that original Medicare does not. You pay a fixed monthly premium and the insurance company covers most of your Medicare bills. 

With over 25 companies to choose from, and rates starting as low as $0 per month, Supplement plans are not only affordable, but very flexible. There are no networks to worry about, no referrals required and no yearly contracts. 

Here are some basic non-smoker rates for someone age 65 living in Maryland:


Annual Deductible: $203/yr

Female - $130/mo

Male - $140/mo


Annual Deductible: $2,700/yr

Female - $37/mo

Male - $40/mo

I'm authorized and licensed to sell all Medicare Supplement Plans including: F, HDF, G, HDG, N, A and all other available plans in Maryland. Smoking rates higher.

Advantage Plans (Pt C)

A popular alternative to Original Medicare is a Medicare Advantage Plan. Maryland has HMO and PPO  plans available in most counties and an MSA plan in every county.

Advantage Part C plans work similar to what you're probably used to with your workplace insurance, a small monthly premium with co-payments, share-of-cost and a network of providers to select from.

The benefit to Advantage plans is that they usually come packed with options not available with Supplement plans. These may include dental, vision benefits like money allocated for glasses, access to gyms, chiropractic or routine podiatry services.

Additionally, there are never any network restrictions for urgent care or ER visits nationwide, so you can get immediate care when you need it most.

Examples of monthly premiums:

HMO - Starting at $0/mo

PPO - Starting at $0/mo

MSA - $0/mo

Low-income eligible plans available

I'm authorized and licensed to sell all Medicare Advantage plans in Maryland: John's Hopkins, CareFirst, Cigna, Lasso, U of Maryland and Kaiser Permanente, UnitedHealthcare, Aetna & Alterwood.

Prescription Drug Plans (Pt D)

I can handle your Medicare drug plan as well. Most brokers simply don't offer these plans because they're complicated, they take a lot of time to research and the broker compensation is very low.

In Maryland, there are more than 25 different Rx Plans designed to fit your needs, and it's my job to figure out which plan will save you the most money and give you the coverage you need.

Skipping out on Rx coverage can result in penalties later down the road when you finally need coverage, so delaying coverage isn't a good idea, even if you don't take any medications right now.

Every plan offers retail pharmacy and mail order options for easy refills and convenience of use. 

There are many complex rules surrounding how Medicare Rx plans work, so it's best to speak with me directly for advice.

Plans start at under $15/mo and 90% of my clients spend less than $20 per month for coverage. 

Low-income eligible plans available.

I'm authorized and licensed to sell Medicare Prescription Drug Plans (PDP) in the state of Maryland. Specific enrollment rules apply.

peter palmiotto maryland medicare broker
maryland medicare options

Peter Palmiotto

(410) 896-1212

Maryland License: 3000236502

"Since 2011 I've been helping seniors with their Medicare. I'm an independent broker so I can shop the entire market to help save you money and find the highest level of coverage for your needs. Medicare is all I do!"

Download My Free Decision Guide

medicare decision guide maryland

Send me a message, set a phone appointment or call me direct at (410)896-1212.

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Copyright 2021 - Peter Palmiotto / Maryland Medicare Options

Peter Palmiotto is a licensed Life & Health insurance broker and is not endorsed or employed by any governmental agency, Farmer's Insurance, Medicare, CMS or any Insurance company. Peter is a compensated sales broker. All Trademarks are property of their prospective owners. 

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