What Are the Best Medicare Supplement Plans in Maryland? (2026)
AARP/UnitedHealthcare has high customer satisfaction and low rates, making it the best option Medicare Supplement Plan G in Maryland.
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If you want a cheaper Medigap option, consider Plan N from Aetna. The company charges low rates and has a reputation for good customer service.
What company has the best Medigap plans in Maryland?
The best Maryland Medicare Supplement plans come from AARP/UnitedHealthcare.
The company has good customer service. And of the major insurance companies in Maryland, AARP/UnitedHealthcare (AARP/UHC) has the cheapest rates for Plan G.
Aetna is the cheapest choice for Plan N. Plan N costs less than Plan G, and it covers most of the same things. And if customer service is your main concern, Mutual of Omaha has the fewest complaints of any company in Maryland.
Top Medicare Supplement companies in Maryland
Company |
Customer satisfaction (out of 5.0)
| Plan G rate | |
|---|---|---|---|
| AARP/UHC | $194 | |
| Mutual of Omaha | $202 | |
| CareFirst | $202 | |
| USAA | $215 | |
| Aetna | $218 | |
Average monthly rates are for a 65-year-old woman who does not smoke.
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Plan G is the best Medigap plan for most people in Maryland. Plan G gives you the most complete coverage of any Medicare Supplement plan except for Plan F. But you can only buy Plan F if you were eligible for Medicare before Jan. 1, 2020.
Even if you can buy Plan F, it's typically a worse deal. That's because the only difference between Plan F and Plan G is that Plan F will pay for your $283 per year Medicare Part B deductible. But, Plan F costs $492 per year more than Plan G, on average, in Maryland.
Cigna is changing its name to HealthSpring in 2026. While Cigna isn't a big company in Maryland, it does sell some Medigap plans. If you have a Cigna plan, you don't have to do anything to keep it. You'll just see the company name on your paperwork change to HealthSpring sometime next year.
Best overall: AARP/UnitedHealthcare (AARP/UHC)
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ValuePenguin rating
- Plan K: $88
- Plan L: $145
- Plan N: $167
- Plan G: $194
- Plan B: $200
- Plan F: $237
- Plan A: $355
- Plan C: $356
AARP/UnitedHealthcare is the best Medigap company in Maryland because of its strong customer service, low-cost Plan G policies and extra benefits for members.
AARP/UHC is also the most popular Medigap company in Maryland, selling about 4 out of every 10 Medigap policies in the state.
Of the major Medigap companies in Maryland, AARP/UnitedHealthcare has the cheapest rate for Plan G, at $194 per month, on average. You'll also get access to AARP's list of benefits, which adds extra value to your plan.
AARP/UnitedHealthcare offers some of the best customer service in Maryland. It gets 28% fewer complaints than an average company its size. Of the major Medigap companies in Maryland, only Mutual of Omaha has a better customer service reputation.
To get a Medigap policy from AARP/UnitedHealthcare, you have to join AARP. A membership is just $20 per year, though, and you get access to AARP benefits like discounts, games and travel advice. AARP/UHC also has Medigap plans with "wellness extras." These options include discounts for some vision, dental and hearing services, a gym membership and a 24/7 nurse line.
Cheapest Plan N: Aetna
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ValuePenguin rating
- *Plan G: $47
- Plan N: $141
- Plan B: $196
- Plan G: $218
- Plan F: $238
- Plan A: $369
*High-deductible plan
At $141 per month, Aetna's rate for Plan N is 6% cheaper than the state average.
In fact, Aetna has the cheapest Medigap Plan N of all the major companies in Maryland, on average. Plan N is a good choice if you are looking for a cheap monthly premium but want coverage that's almost as good as Plan G.
Aetna also has good customer service. The company gets 16% fewer complaints than an average company its size. That makes it an excellent choice if you want cheap coverage and quality customer service.
Best customer service: Mutual of Omaha
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ValuePenguin rating
- *Plan G: $53
- Plan N: $143
- Plan G: $202
- Plan A: $207
- Plan F: $232
*High-deductible plan
Mutual of Omaha has the best customer service of any major Medigap company in Maryland.
Mutual of Omaha gets very few complaints, which means very few people have issues with their Mutual of Omaha Medigap plans.
In Maryland, Plan G from Mutual of Omaha costs $202 per month, on average. That's a bit higher than the state average of $196, but it might be worth it if you need lots of medical care. If you plan to use your Medigap plan often or you get complex medical treatment, choosing a company with excellent service could help you avoid problems getting your medical bills paid.
How much does a Medigap plan cost in Maryland?
Medicare Supplement Plan G costs an average of $196 per month in Maryland.
Plan G is the most popular Medigap plan in Maryland. Plan F is also popular and costs $237 per month, on average. Plan N, which costs $150 per month, on average, is a good option if you want a plan that balances lower rates with good coverage.
Overall, average rates for Medigap plans in Maryland range from $54 per month for the high-deductible version of Plan G to $319 per month for Plan A.
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Your age when you buy a policy also affects your rate. Plan G costs an average of $196 per month for a 65-year-old, but by age 70, that same policy costs $221 per month, on average.
Your monthly rate may increase as you get older with some plans, but not with other plans. You can find out what type of pricing your plan has by checking your policy documents or by calling your insurance company or talking to your Medigap broker.
Maryland Medicare Supplement plan costs
Medigap plan | Monthly cost | Percentage of MD enrollment |
|---|---|---|
| G | $196 | 38% |
| F | $237 | 37% |
| N | $150 | 15% |
| C | $277 | 2% |
| J | N/A | 2% |
Average monthly rates are for a 65-year-old woman who does not smoke.
When can I change Maryland Medigap plans?
Maryland residents can change Medigap plans within 30 days of their birthday every year.
This period includes your birthday and the 30 following days. So if your birthday falls on Oct. 1, you'd have until the end of the month to change your Medigap plan.
During this time, policies are what's called "guaranteed-issue," which means companies can't refuse to sell you a plan. If you currently pay a higher rate for Medigap coverage because of health issues, it could be a good idea to change Medigap plans during the month following your birthday. During this time, your health problems won't be factored into your price, so you'll get a "preferred rate." However, you have to change to a plan with the same or worse benefits. You won't be able to buy a plan that gives you better coverage.
That means you should usually start with Plan G, F or N since these plans offer the best coverage of any Medigap plan option.
Frequently asked questions
What is the best Medigap plan in Maryland?
The best Medigap plan in Maryland is Plan G from AARP/UnitedHealthcare. AARP/UnitedHealthcare has affordable rates for Medigap Plan G, at an average of $194 per month. The company also has high customer satisfaction and extra benefits, such as discounts on restaurants and air travel.
What is the average cost of Medicare Supplement Plan G in Maryland?
In Maryland, Plan G costs an average of $196 per month for a 65-year-old woman who does not smoke. Rates depend on the company you choose, your age and your health.
What is the Birthday Rule in Maryland?
The Birthday Rule means that you can switch plans once per year in the 30-day period after your birthday. During this time, companies can't consider your medical history when setting rates. You can only switch to a plan with equal or lesser coverage than the plan you currently have.
Methodology and sources
Medicare Supplement rates for 2026 are from actuarial data for private insurance companies. Rates are for a 65-year-old woman who doesn't smoke and who signed up for a plan when she first became eligible. Only companies with a market share of 1.5% or more in Maryland were considered in this analysis. Enrollment data by Medigap plan type came from AHIP.
Overall ValuePenguin ratings are compiled using cost, coverage, customer service and unique features. ValuePenguin scored each company's customer service on a five-point scale using information taken from the National Association of Insurance Commissioners (NAIC).
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | At least 75% fewer complaints than typical |
| 4.5 | 50% to 74% fewer complaints than typical |
| 4.0 | 25% to 49% fewer complaints than typical |
| 3.5 | 6% to 24% fewer complaints than typical |
| 3.0 | 5% fewer to 5% more complaints than typical |
| 2.5 | 6% to 49% more complaints than typical |
| 2.0 | 50% to 99% more complaints than typical |
| 1.5 | 100% to 249% more complaints than typical |
| 1.0 | At least 250% more complaints than typical |
About the Author
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
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- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
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