Medicare Agents Baltimore Maryland; How do you find the best Medicare insurance plan options and costs in Maryland? Start by speaking with at least one local Medicare insurance agent. Here’s how to find one and questions to ask;
- Where are you located? Are you in Maryland?
- How many years have you been selling Medicare plans?
- Do you offer both Medicare Advantage and Medigap?
- How many Medicare insurers are you ‘appointed’ with?
- Are you the person I call if I have future questions?
Find Medicare Agents Baltimore Maryland
The American Association for Medicare Supplement Insurance makes available a free, online directory listing Find Local Medicare agents. It’s free to access and completely private. You see listed agents and decide who you want to contact.
Baltimore Medicare Advantage Plans
There are 177 different Maryland Medicare Advantage (Medicare Part C) plans available in 2023. Not every plan is available in each county, so it’s important to find out which ones are offered where you live.
A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Maryland.
The average premium for a Medicare Advantage plan with prescription drug coverage in Maryland is $29.21 per month in 2023. You may be able to find Medicare Advantage plans where you live in Maryland that feature $0 premiums.
Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.
Medicare Supplement (Medigap)
Over 20 different insurance companies offer Medigap insurance plan G options. Plan G is the most popular choice among those turning 65 and applying for Medicare Supplement.
Here is a partial listing of Medigap Insurers for Baltimore Maryland
- Aetna Health Insurance Company
- Aflac
- Allstate
- AARP, Insured by UnitedHealthcare
- Bankers Fidelity
- Cigna National Health Insurance
- Guarantee Trust Life
- Humana Insurance Company
- Manhattan Life Assurance
- Mutual of Omaha
- Philadelphia American Life
2023 Medicare Rates Baltimore, Maryland (Zip 21201)
Medicare agents Baltimore Maryland can help you get the best plan rates. As the data below shows, there is a huge difference between the lowest and highest available rates.
The following are rates for a woman turning 65 and selecting Plan G. Rates are reported as of March 20, 2023 and subject to change. Discounts or added premium fees are not included.
Lowest monthly premium: $128.17
Highest monthly premium: $325.79
2023 Medigap Rates for a male turning 65 (Baltimore, Maryland, Zip Code 20201).
Lowest monthly premium: $143.76
Highest monthly premium: $325.79
Questions To Ask Medicare Agents
Medicare is a national program. Medicare plan options are local. The plans available in Baltimore may NOT be available elsewhere. Costs for Medicare coverage in Baltimore can vary.
When you call a toll-free number advertised on television, you have no idea who you are speaking with. It will be an agent. Even if the ad seems to imply that you are calling the insurance company. You can only get pricing and information by speaking with a licensed insurance agent. That’s the law.
So, here are questions to ask:
Where are you located? Are you in Maryland? Medicare is complicated. As we said, the plan options can vary based on where you live. Agents staffing call centers are a great resource. But we believe smart seniors should also include at least one Medicare agent who is local.
How many years have you been selling Medicare plans? Experience matters when the options are so many and so complicated. We have nothing against new Medicare agents. They have to be well trained and could be your best resource. But if you were getting surgery, wouldn’t you ask about the doctor’s experience. Selecting a Medicare plan option can be just as vital to your future health.
Do you offer both Medicare Advantage and Medigap? Some agents do. Others don’t. That doesn’t mean one is better than the other. But an agent who only offers Medicare Advantage plan options obviously won’t tell you about benefits of Medigap (Medicare Supplement).
How many Medicare insurers are you ‘appointed’ with? Appointed is insurance industry jargon. It means the agent can sell you a particular company’s plan. And, get paid for doing that. Some Medicare agents are only appointed with 1 insurance company. Guess which plan they will push. Others are appointed with multiple insurers. It’s important to know how many. And, you can even ask which ones.
Are you the person I call if I have future questions? Thinking ahead is smart. Once you select a Medicare plan you will deal directly with the plan. But, undoubtedly questions will come up. Will you have to start over speaking with an anonymous agent at a Call Center. Having a relationship with a local Medicare agent can help make the process easier.
Additional Medicare Information You May Find Of Value
Please click on any of the links (below). Read other recent news stories or reports containing information we believe you may find of value.
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