Maryland Medicare Plans: 2024 Updates & Options

Learn about plan changes and the latest additions to the Maryland Medicare marketplace. From new Advantage Plans to lower Supplement rates, I'm happy to share all the latest details for Maryland Medicare Plans in 2024. I've been an independent Medicare insurance broker since 2011 and there is never any cost for my services. Contact me today to learn more.  2024 Part B Premium = $174.80/mo

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Plan links below will download as a ZIP file.  These have been compressed to reduce file size, so photos may appear slightly pixelated.

Drug Plan Changes (Part D)


WELLCARE

STATEWIDE:  Maryland

2023 Wellcare Value Script: $10.10/mo

2024 Wellcare Value Script: $.40/mo  (40 cents)

Statewide Plan: Maryland

View Summary of Benefits >>>


Tier Changes:

Tier 1 = $0 

Tier 2 = $5

Tier 3 = 25%

Tier 4 = 50%

Tier 5 = 25%

Tier 6 = $11


Advantage Plan Changes "SNP Plan" = Medicaid & Medicare for low income individuals


AETNA

Currently In: Frederick, Howard, Montgomery

2024 HMO Expansion: Anne Arundel, Baltimore, Balt. City, Carroll, Harford

2024 SNP Expansion: Anne Arundel, Baltimore, Balt. City, Carroll, Harford

HMO PLAN

View Summary of Benefits >>>

(also available is a $75/mo Connect Plus, not listed. Ask for details)

 Very Large Network!

Not advised for those taking Tier 3 & 4 Medications due to higher cost sharing.


ALTERWOOD

Currently In: 19 Counties

2024 HMO Expansion: Frederick

2024 SNP Expansion: Frederick, Balt. City, Price George's

SNP PLAN

All counties except: Allegany, Calvert, Garrett, St. Mary's

View Summary of Benefits >>>


HUMANA

Currently In: 14 Counties

2024 SNP Expansion: All Counties

SNP PLAN (HMO)

Anne Arundel, Balt. Cnty, Balt. City, Harford, Howard 

View Summary of Benefits >>>

SNP PLAN (PPO)

All other counties.

View Summary of Benefits >>>


UHC

PPO Currently In: Anne Arundel, Calvert, Charles, Frederick, Garrett, Howard, Montgomery, PG, St Mary's

2024 SNP Expansion: All Counties except: Allegany, QA, Worcester

2024 PPO Expansion: None

SNP PLAN

Balt. Cnty, Balt. City, Carroll, Cecil, Harford

View Summary of Benefits >>>

SNP PLAN

All other counties.

View Summary of Benefits >>>


JOHNS

HOPKINS

PPO & HMO Currently In: Various

2024 SNP Expansion: Baltimore, Carroll, Frederick, Somerset, Washington, Wicomico

2024 PPO & HMO Expansion: None

HMO Expanded in VA only: Arlington, Fairfax City, Falls Church City. Not listed, ask for details.


CAREFIRST

PPO & HMO Currently In: Various

2024 SNP Expansion: None

2024 HMO Expansion: None

HMO PLANS

View Summary of Benefits >>>

Not Released Yet By CareFirst

SNP PLAN

View Summary of Benefits >>>

Not Released Yet By CareFirst


KAISER

HMO Currently In: Various

2024 HMO Expansion: None

SNP PLAN

Kaiser does not offer a SNP in Maryland. Select the VALUE HMO plan & copays are waived based on your level of Medicaid assistance.


Maryland Broker Medicare

When You Can Change Plans For 2024

I can help you change plans with relative ease. A simple phone call and a few questions is all it really takes. It's fast, easy and you don't need to pay for my services as I'm compensated by each carrier to help you. The actual dates that you can make changes, and what type of plan you can change vary.

Listed below are all the times and reasons you can change and which type of plans you can change during that time period. If you have a unique situation, please call me to discuss your options: (410) 896-1212.

Annual Enrollment Period

October 15 through December 7

  • Known as "AEP" 
  • You can add, change, drop Advantage Plans
  • You can add, change, drop Rx Drug Plans
  • You can return to Original Medicare
  • Sometimes referred to as "Open Enrollment" but I feel this can cause confusion and misinformation

NOTE: You may see TV commercials promising unlimited benefits for free. These are massive call centers with limited plan options. CMS (Medicare) received so many complaints about these companies that CMS had to implement new marketing rules. Move with EXTREME caution when calling any "Medicare Helpline" or seeking a plan that sounds too good to be true. Your data may also be collected and sold off to other call centers. 

MA OPEN ENROLLMENT PERIOD

January 1 through March 31

  • Known as the Medicare Advantage Open Enrollment Period
  • You can change or drop Advantage Plans
  • You can return to Original Medicare
  • Medicare (CMS) does not allow any company or broker to actively promote or advertise this time period, so please take note of this information

NOTE: You cannot join an Advantage Plan during this time period unless you already have one in place, unless you qualify for an IEP or SEP. You cannot change an Rx Drug Plan during this time. If you have an Advantage Plan, and you add an Rx Drug Plan during this time, your Advantage Plan will automatically be terminated. Call me for details.

INITIAL ENROLLMENT PERIOD

All Year - Varies By Person & Situation

  • Known as "IEP"
  • This is when you first become eligible for Medicare, which for most is at age 65
  • It is a 7 month window, 3 months prior to, and 3 months after your 65th birth month
  • If you have a permanent disability and get SSA benefits, your IEP is 3 months before your 25th month of SSA benefits, and ends 3 months after your 25th month. Those on SSA disability will get a second IEP when they turn 65
  • For all situations above, you can select from dozens of Maryland Medicare Plans in 2024 including  Advantage Plans, an Rx Drug Plan, or a Medicare Supplement Plan with no medical underwriting

SPECIAL ENROLLMENT PERIOD

All Year - Varies By Person & Situation

  • Known as an "SEP"
  • These are small windows of time, typically 63 days for most situations that you can make changes 
  • You can add, change, drop Advantage Plans
  • You can add, change, drop Rx Drug Plans
  • You can add, change, drop a Supplement Plan
  • There are dozens of SEP designations with varying degrees of rules, and these rules vary by state. It's best to discuss your situation with a broker prior to making any changes. The broker should be an expert in your state, or better yet, live in the state to help you better understand all of your options. Time is of the essence, don't wait to speak to someone or you might miss your only window to make a much needed change. 

MEDICAID / INCOME BASED

All Year - Varies By Person & Situation

  • Known as an "SEP"
  • Is triggered by your income
  • Can be triggered by an individual making less than $41,000 through Maryland's SPDAP option
  • Maryland's highest level of help is Medicaid with a QMB status (Qualified Medicare Beneficiary) for individuals making less than $1,153 or married couples making less than $1,546
  • You can add, change, drop Advantage Plans
  • You can add, change, drop Rx Drug Plans
  • QMB recipients have access to additional Advantage Plans throughout Maryland in 2024
  • Various rules apply, please contact me for details
  • Here are some various Medicare income rates >

SUPPLEMENT PLAN ENROLLMENT

All Year - Varies By Person & Situation

  • Known as "Medigap" or "Gap" Plans
  • You can add, change or drop a Medicare Supplement Plan 365 days a year
  • Popular options are F, G, N or high deductible options. Those <65 only have the Plan A option.
  • Unless you are in your IEP or a specific SEP, you will need to answer health questions to qualify for a plan, and your application can be denied
  • Rates vary by state, age, sex, and possibly health (those with preexisting conditions may be "rated up" to a higher premium level or denied completely). Call for details about which conditions may trigger higher rates. 
  • Plan enrollments or changes can start on the 1st day of the following month of the application date.

Maryland Medicare Plans In 2024 : New Options

This is not a complete list and does not list currently established plans from 2023 or prior, plans that will remain in place, plans that may be terminating or CSNP (chronic special needs plans). Do not rely on this list to make your plan decisions without speaking with a licensed broker first. This only displays known new plans that will launch on January 1st, 2024. You can enroll for these plans starting October 15, 2023. This listing may change based on plan filings and CMS approval. Please contact me directly to discuss all Maryland Medicare Plans in 2024. A "SNP" plan is a Medicare Advantage Special Needs plan. These SNP plans are only available for those qualified for Medicaid (low income) at the QMB or FBDE level.   "UHC" = UnitedHealthcare.


There will be plan additions and plan changes within Allegany. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE in 2024: SNP: Humana


There will be plan additions and plan changes within Anne Arundel. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: HMO / SNP:  Aetna, uhc


There will be plan additions and plan changes within Baltimore City. A new plan is a plan that was not available in 2023.

NEW PLANS Available in 2024: HMO / snp: Aetna, Alterwood, uhc, humana


There will be plan additions and plan changes within Baltimore County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:: HMO / SNP:  aetna, uhc, humana, Hopkins


There will be plan additions and plan changes within Calvert County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:  SNP: aetna, uhc, humana


There will be plan additions and plan changes within Caroline County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: Snp: uhc, humana


There will be plan additions and plan changes within Carroll County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:: HMO / SNP:  AETNA, UHC, HUMANA, HOPKINS


There will be plan additions and plan changes within Cecil County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:SNP: UHC, HUMANA


There will be plan additions and plan changes within Charles County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:  SNP: UHC, HUMANA


There will be plan additions and plan changes within Dorchester County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA


There will be plan additions and plan changes within Frederick County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: HMO / SNP: Aetna, alterwood, uhc, humana, HOPKINS


There will be plan additions and plan changes within Garrett County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024:  SNP: UHC, HUMANA


There will be plan additions and plan changes within Harford County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: HMO / SNP: AETNA, Cigna UHC, HUMANA


There will be plan additions and plan changes within Howard County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: HMO / SNP: AETNA, UHC, HUMANA


There will be plan additions and plan changes within Kent County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA


There will be plan additions and plan changes within Montgomery County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: HMO / SNP: AETNA, UHC, HUMANA


There will be plan additions and plan changes within Prince George's County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: Alterwood, UHC, HUMANA


There will be plan additions and plan changes within Queen Anne's County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: humana


There will be plan additions and plan changes within Saint Mary's County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: PPO / SNP / HMO: UHC


There will be plan additions and plan changes within Somerset County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA, HOPKINS


There will be plan additions and plan changes within Talbot County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA


There will be plan additions and plan changes within Washington County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA, HOPKINS


There will be plan additions and plan changes within Wicomico County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: UHC, HUMANA, HOPKINS


There will be plan additions and plan changes within Worcester County. A new plan is a plan that was not available in 2023.

NEW PLANS AVAILABLE IN 2024: SNP: HUMANA, HOPKINS

How To Get More 2024 Medicare Plan Information

Prior to discussing specific plan details, CMS (Medicare) requires brokers and agents to obtain your permission through a Scope of Appointment Form (SOA).

This is to protect you, the consumer. It establishes what you want to talk about so the conversation stays on those specific products.

If you'd like to discuss plan details with me directly, you can fill out my SOA here >>>.

This form will be required at some point in order to discuss Maryland Medicare Plans in 2024.

01.

Call (410) 896-1212 (TTY 711)
  • This line goes directly to my phone and I'll be happy to speak with you
  • If I cannot answer, my assistant will handle the call, take a quick message or book you into a time that I will call you back (they are not licensed and cannot answer any product questions)
  • I will receive your message almost instantly through email and will return your call as soon as possible.
  • NOTE: CMS now requires marketing calls to be recorded and a brand new disclosure to be read at the beginning of each call. 

02.

Email Me
  • Click the email icon to start
  • Fill out the form and I'll return your request shortly.
  • The more details you give, the better I can assist you. Most information requested is optional.

03.

Book A Time To Speak
  • Click the calendar icon to see my availability. 
  • Select a timeslot and enter your information
  • I will call you at that specific time and dedicate up to 1 hour with no interruptions or any pressure to purchase a plan.
  • NOTE: A SOA is required prior to the call. You will be emailed the SOA link, or you can fill it out here >>.

Mail My Newsletter To Friends For FREE

Simply click below to enter your or your friend's name and address and I will mail them one of my annual newsletters for 2024.  I will include my business card as well.  Their information is never shared, rented or sold.  I will mail out the letter within 24 hours.

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I'm so confident that you'll love my free service, that if you're not satisfied with my performance, I will work with another broker of your choice to make things right. 

Since I can't control how the insurance companies perform, I focus on ensuring my clients are given the chance to discuss issues with me so we can develop a solution together. I encourage clients to call me first, so I can help reduce the stress and frustration of working with insurance carriers. I'm not always able to solve every problem, but I do try my best.

Thanks For Visiting...Cheers!

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.

Peter Palmiotto

Maryland Medicare Options

License #3000236502

588 Pinedale Dr.

Annapolis, MD. 21401

(410)896-1212

peterpalmiotto@gmail.com

Click Here To Call Peter Now!