Maryland Medicare Options
Peter Palmiotto - Medicare Insurance Broker Since 2011
Maryland License #3000236502
Supplement Gap Plans | Advantage Plans | Prescription Rx Plans
25+ Different Insurance Carriers To Choose From
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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 $0per 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 - $140/mo
Male - $150/mo
HIGH DEDUCTIBLE PLAN G
Annual Deductible: $2,490/yr
Female - $47/mo
Male - $50/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.
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 20 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.
Affordable Monthly Premiums: 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.
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!"
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Copyright 2021 - Peter Palmiotto / Maryland Medicare Options
I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your 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.