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Medicare Advantage Plans in Maryland
What are Medicare Advantage plans in Maryland?
A Medicare Advantage plan in Maryland offers an alternative to beneficiaries looking for coverage beyond what is offered through Original Medicare. Medicare Advantage plans provide all the same coverage as Original Medicare, but include additional benefits as well. These extra benefits will vary from plan to plan and may include vision care, hearing services and devices, dental care, wellness programs, and prescription drug benefits.
Medicare Advantage plans in Maryland are offered by private companies in the state that are approved by Medicare. There are a number of types of Medicare Advantage plans to choose from. Maryland residents can select from an assortment of Health Maintenance Organization (HMO), Preferred Provider Organizations (PPO), and Private Fee-for-Service (PFFS) plans. These plan types vary in terms of the providers included, requirements for referrals, and out-of-pocket expenses.
Prescription drug coverage with Medicare Advantage plans in Maryland
More than half the beneficiaries enrolled in a Medicare Advantage plan in Maryland have chosen a plan that includes prescription drug benefits. Also referred to as a Medicare Advantage Prescription Drug plan or MAPD, these plans offer comprehensive benefits in a single convenient policy.
Beneficiaries that do not select a Medicare Advantage plan in Maryland with prescription drug benefits may opt to enroll in a Part D plan in addition to their Medicare Advantage plan. This stand-alone drug coverage can be used in combination with Original Medicare or a Medicare Advantage plan that does not include prescription drug benefits. Be aware that some Medicare Advantage plans may not allow enrollment in a stand-alone drug plan. Also, if the beneficiary is enrolled in a Medicare Advantage plan with drug coverage, they are not eligible for enrollment in a Part D plan at the same time.
Choosing a Medicare Advantage plan in Maryland
There are currently 28 different Medicare Advantage plans in Maryland for beneficiaries to choose from. Each of these plans may vary somewhat in terms of the coverage included and the overall cost of the plan. Beneficiaries need to carefully compare plans before choosing the best coverage for their medical needs and budget.
When shopping for Medicare Advantage plan in Maryland, it is important to consider what additional services might be needed. For example, some beneficiaries may need coverage for hearing aids, while others might want coverage for eyeglasses or dental work. Cost also needs to be a factor in choosing a plan, which might include weighing variables like monthly premium amounts, copayments, deductibles, and other out-of-pocket expenses.
Trends in Medicare Advantage plans in Maryland in 2012
- There were 70,054 beneficiaries enrolled in a Medicare Advantage plan
- That number constituted 9% of the total Medicare population in the state
- Of that total, 27,797 were enrolled in an HMO
- Another 13, 043 were enrolled in a PPO
- There were 47,662 beneficiaries enrolled in a MAPD Plan
Data provided by the Henry J. Kaiser Family Foundation.
Medicare has neither reviewed nor endorsed this information.