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The Best Medicare Advantage Programs in Maryland for 2023
Medicare Advantage (MA) plans are offered by private insurance companies and offer all the benefits of Original Medicare (Part A and Part B), plus additional benefits like prescription drug coverage, dental, vision, and hearing coverage.
There are many different MA plans available in Maryland, so it can be difficult to know which one is right for you. Here are a few of the best MA plans in Maryland for 2023:
- Kaiser Permanente Medicare Advantage High MD (HMO-POS): This plan has a high overall rating from the Centers for Medicare & Medicaid Services (CMS) and offers a wide range of benefits, including prescription drug coverage, dental, vision, and hearing coverage.
- Kaiser Permanente Medicare Advantage Liberty (HMO): This plan is another great option from Kaiser Permanente and offers a similar range of benefits as the High MD plan.
- UnitedHealthcare Erickson Advantage Freedom (HMO-POS): This plan has a five-star rating from CMS and offers a wide range of benefits, including prescription drug coverage, dental, vision, and hearing coverage.
- AARP Medicare Advantage Choice Plan 1 (PPO): This plan is a good option for seniors who want more flexibility in their healthcare choices. It offers a wider network of providers than HMO plans, but it may have higher out-of-pocket costs.
- Humana Medicare Advantage Gold (HMO): This plan is a good option for seniors who want a plan with low premiums. It offers a limited network of providers, but it may have lower out-of-pocket costs than other plans.
When choosing an MA plan, it is important to consider your individual needs and preferences. Some factors to consider include your budget, your health needs, and the types of benefits you are looking for.
You can compare MA plans in Maryland using the Medicare Plan Finder tool on the Medicare website. You can also talk to a licensed insurance agent to get help choosing the right plan for you.
Here are some additional things to keep in mind when choosing an MA plan:
- Premiums: MA premiums vary depending on the plan and the insurance company. Be sure to compare premiums before choosing a plan.
- Out-of-pocket costs: MA plans also have out-of-pocket costs, such as deductibles, copays, and coinsurance. Be sure to factor these costs into your decision when choosing a plan.
- Benefits: MA plans offer a variety of benefits, such as prescription drug coverage, dental, vision, and hearing coverage. Be sure to choose a plan that offers the benefits you need.
- Network: MA plans have networks of providers. Make sure the plan you choose has providers in your area.
- Medicare Supplements: You can also purchase a Medicare Supplement (Medigap) policy to help cover your out-of-pocket costs. Medigap policies are sold by private insurance companies and are not available through Medicare.
Choosing the right MA plan can be a daunting task, but it is important to do your research and compare plans before making a decision. By taking the time to compare plans, you can find the best plan for your individual needs and preferences.
