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Medicare Part D Plans in Maryland

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There are nearly a million people enrolled in Medicare in Maryland, and about 60% of them (about 619,000) have Medicare Part D coverage. That’s according to a 2018 report from the Centers for Medicare & Medicaid Services (CMS).

What is Medicare Part D in Maryland?

Medicare Part D in Maryland is prescription drug coverage. This optional coverage works the same way in every state.

You can get coverage under Medicare Part D in Maryland in either of two different ways:

  • Sign up for a stand-alone Medicare Prescription Drug Plan to work alongside your Original Medicare (Part A and Part B) coverage. Original Medicare doesn’t cover most of the medications you’d take at home. If you decide on this option, you might also be able to buy Medicare Supplement insurance to help pay for your Part A and Part B out-of-pocket expenses. Read more about Medicare Supplement insurance plans.
  • Sign up for a Medicare Advantage Prescription Drug plan. If you do this, you’re still enrolled in Medicare Part A and Part B, but you get your benefits through a private, Medicare-approved insurance company. Read more about Medicare Advantage plans.

Please note that:

  • Private insurance companies contract with Medicare to provide this coverage. Premiums, copayments and other costs may vary among plans.
  • You must live within the plan’s service area.
  • You can’t generally have both kinds of prescription drug coverage listed above.

Why would you need Medicare Part D in Maryland?

You certainly don’t have to enroll in Medicare Part D in Maryland. But you might wonder why most Medicare beneficiaries in Maryland are signed up for this coverage. Doesn’t Original Medicare already include it?

The answer is no – not in most situations. Part A usually covers medications you receive as a hospital inpatient as part of your treatment. Part B may cover medications that a health-care provider administers to you in an outpatient setting, like a clinic or hospital (when you’re not an inpatient).

That means that if you don’t want to pay full cost for the prescriptions you take at home, you might want to sign up for Medicare Part D in Maryland.

Another point to keep in mind is that if you don’t sign up for Medicare Part D in Maryland when you’re first eligible for Medicare, you could have to pay a penalty if you decide to sign up for Part D later on. Learn more about the Part D late enrollment penalty, which works the same way in every state.

When can I sign up for Medicare Part D in Maryland?

Whether you decide to enroll in a Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan in Maryland (or any state), you can usually sign up when you first qualify for Medicare enrollment.

After your Medicare Initial Enrollment Period has passed, you’ll have another opportunity to enroll: the Medicare Annual Election Period (October 15 – December 7). Learn the details about the Annual Election Period.

Under special circumstances, such as losing coverage, you might qualify for a Special Election Period to enroll in a Medicare Prescription Drug Plan.

What else should I know about Medicare Part D in Maryland?

Have you decided to explore Medicare Part D in Maryland and start comparing plans? Before you do, you might want to make a list of the prescription drugs you take regularly. Every Medicare Prescription Drug Plan has its own list of covered drugs, called a formulary. Compare your list to the plan formulary as you’re shopping for plans. You can get started with no obligation by entering your ZIP code in the box on this page, and entering your prescriptions where indicated.

A plan’s formulary may change at any time. You will receive notice from your plan when necessary.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.

The product and service descriptions, if any, provided on these eHealth web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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