Maryland Medicare Plans In 2024

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

Major 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

Tier Changes:

Tier 1 = $0

Tier 2 = $5

Tier 3 = 25%

Tier 4 = 50%

Tier 5 = 25%

Tier 6 = $11

Major Advantage Plan Changes SNP Plan = Medicaid / Medicare for low income

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

(also available is a $75/mo Connect Plus, ask for more details if you're interested)

Very Large Network!

SNP PLAN

ALTERWOOD

Currently In: 19 Counties

2024 HMO Expansion: Frederick

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

HMO PLAN

SNP PLAN

HUMANA

Currently In: 19 Counties

2024 HMO Expansion: St. Mary's

2024 PPO Expansion: St. Mary's

2024 SNP Expansion: All Counties

HMO PLAN

PPO PLAN

SNP PLAN (HMO)

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

SNP PLAN (PPO)

All other counties

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

PPO PLAN 1

PPO PLAN 2

SNP PLAN

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

SNP PLAN

(all other counties)

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.

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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.

Allegany

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

Anne Arundel

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

Baltimore City

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

Baltimore County

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

Calvert

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

Caroline

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

Carroll

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

Cecil

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

Charles

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

Dorchester County

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

Frederick

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

Garrett

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

Harford

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

Howard

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

Kent

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

Montgomery

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

Prince George's

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

Queen Anne's

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

Saint Mary's

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, Humana

Somerset

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

Talbot

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

Washington

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

Wicomico

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

Worcester

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

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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.

SATISFACTION

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guarantee

100% Satisfaction Guarantee

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.

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