Medicare Supplement Plan G in Maryland: 2026 Rates and Guide

This guide covers Medicare Supplement Plan G in Maryland: average 2026 premiums by age, Maryland's rating rules, top insurers, and how to enroll with the best protection available in your state.

Plan G Coverage Overview

Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare beneficiaries. It covers all Original Medicare cost-sharing except the annual Part B deductible ($283 in 2026). After you pay that deductible once per year, Plan G pays 100% of all Medicare-approved costs for the remainder of the year.

Plan G benefits are federally standardized; every insurer selling Plan G in Maryland must provide identical coverage. The only variable between insurers is the monthly premium and their premium increase history over time.

What Plan G Covers

• Part A coinsurance & hospital costs (up to 365 days after Medicare): ✓ Fully covered
• Part A deductible ($1,736 in 2026): ✓ Fully covered
• Part A hospice care coinsurance or copayment: ✓ Fully covered
• Part B coinsurance or copayment (20% of outpatient costs): ✓ Fully covered
• Part B deductible ($283 in 2026): ✗ Not covered (you pay this cost) (The only cost you pay: $283 in 2026)
• Part B excess charges (above Medicare-approved amount): ✓ Fully covered
• Skilled nursing facility care coinsurance: ✓ Fully covered
• Foreign travel emergency coverage (up to plan limits): ✓ Fully covered (Up to plan limits after $250 deductible; 80% covered up to $50,000 lifetime)

Source: CMS standardized Medigap benefit chart. CMS Publication 02110.

Plan G Premiums in Maryland (2026)

Premiums for Plan G in Maryland vary by insurer, age, gender, and tobacco use. The estimates below are for a non-smoking female. Men typically pay 5–10% more. Tobacco users may pay significantly more. These are representative starting ranges; always get current quotes directly from insurers or through Medicare.gov.

* Age 70–80 estimates use typical attained-age premium progression factors. Note: Maryland uses issue-age rating; premiums are set at the age you enroll and increase more slowly over time than in attained-age states. Verify current rates at Medicare.gov.

How Maryland Rates Medigap Premiums: Issue-Age Rating

Maryland requires issue-age rating for Medigap policies. Your premium is based on your age when you first purchase the plan and does not automatically increase simply because you get older. However, premiums can still increase due to inflation, medical cost trends, and changes in the insured pool.

Issue-age rating is generally more favorable than attained-age rating for long-term policyholders. Enrolling at age 65 locks in a younger-age base rate.

Maryland Plan G Costs in Context

At an estimated $160/month for a 65-year-old, Plan G in Maryland ranks #36 of 51 among states and DC from lowest to highest cost, sitting 19% above the national median of $135/month in our dataset. Maryland is home to about 1,150,000 Medicare beneficiaries (#21 by enrollment), so the number of active insurers can be more limited than in the largest states.

Maryland uses issue-age rating, so your premium is tied to the age at which you enroll. Enrolling at 65 locks in the lowest age tier available to you, and later increases come from medical inflation rather than from your birthday.

Plan G vs Plan N break-even in Maryland

Plan N costs about $32 less per month than Plan G here, or roughly $384 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 19 office visits or 7 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.

Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.

How Maryland compares with nearby states

Other Northeast states with similar Plan G pricing, for comparison:

Top Plan G Insurers in Maryland

The following insurance companies are among the leading sellers of Medicare Supplement Plan G in Maryland: CareFirst BCBS, UnitedHealthcare, Cigna.

Because Plan G benefits are standardized, there's no meaningful difference in what these companies cover. Your decision should be based on:

• Current premium: get quotes from all of them
• Premium increase history: ask for data from the past 3–5 years
• Financial strength rating: look for A.M. Best ratings of A- or better
• Customer service reviews: complaints per 1,000 policyholders (available from NAIC)

How to Enroll in Plan G in Maryland

1. Confirm you're eligible: You must be enrolled in Medicare Parts A and B. Most people first become eligible at age 65.
2. Enroll during your Open Enrollment Period: Your 6-month Medigap OEP starts the month you're both age 65 and enrolled in Part B. During this window, insurers in Maryland cannot deny you Plan G or charge more based on health conditions.
3. Compare quotes: Use Medicare.gov's Plan Finder or contact a licensed insurance broker who works with multiple companies in Maryland.
4. Review premium increase history: Ask each insurer how much they've raised Plan G rates in Maryland over the past 3–5 years before enrolling.
5. Pair with a Part D drug plan: Plan G does not cover prescription drugs. You'll need a separate Medicare Part D plan.

Maryland Insurance Administration

The Maryland Insurance Administration regulates insurance companies operating in Maryland, handles consumer complaints, and can provide a list of licensed insurers selling Plan G in your area.

• Website: https://insurance.maryland.gov
• Phone: 1-800-492-6116

If you have a complaint about a Medigap insurer operating in Maryland, the Maryland Insurance Administration is your primary resource for resolution.

Plan G vs Plan N in Maryland

If you're comparing Plan G and Plan N in Maryland, here are the key numbers:

The premium difference in Maryland is approximately $32/month at age 65. If you rarely visit the doctor and primarily see Medicare-assignment providers, Plan N may be the better value. If you have frequent medical visits or want complete cost predictability, Plan G is worth the extra premium.

Full Plan G vs Plan N comparison →