Medicare Plan G Rates in Maryland: What Will You Pay? (2026–2027)

Maryland Plan G prices depend on the insurer and your applicant profile. For a concrete 2026 benchmark, CareFirst MedPlus publishes monthly rates of $233.86 for a 65-year-old woman and $249.11 for a 65-year-old man in western Maryland who qualify for its Level 1 pricing, before discounts. These are published examples, not personalized quotes or a statewide price range. CareFirst’s 2026 western Maryland rate brochure

If you are also evaluating permanent life insurance, comparing IUL companies is a separate decision about that coverage. It has no role in qualifying for Medicare or buying Plan G.

Maryland Plan G rate examples for 2026

The table uses regular Plan G, CareFirst MedPlus Level 1, with no household or payment discounts applied. The brochure’s rates took effect January 1, 2026; they were checked September 17, 2026.

These examples cover Allegany, Carroll, Frederick, Garrett and Washington counties. For applicants in protected open enrollment or guaranteed-issue periods, the brochure assigns Level 1 rates without using health or tobacco questions to determine the rate. Outside protected enrollment, underwriting may affect the rate. CareFirst rate tables, pages 24–25

Use your actual ZIP code and county when requesting prices. CareFirst publishes separate brochures for Baltimore metro, Maryland’s Washington metro counties, eastern and southern Maryland, and western Maryland. CareFirst regional plan documents

For comparing Medicare Supplement plans in Maryland, use the state’s July 1, 2026 rate guide to identify additional companies and comparable applicant categories. It contains filed rates rather than an individual offer; confirm the premium for your requested start date with the insurer. Maryland’s Medicare Supplement Rate Guide

What the premium buys and what you still pay

Medicare Supplement and Medigap mean the same product. Plan G supplements Original Medicare Part A and Part B, which you generally need before buying Medigap. Medicare Advantage is a different way to receive Medicare coverage. Medigap does not pay Medicare Advantage cost sharing. Maryland’s Medigap FAQs, Medigap eligibility, Medicare coverage comparison

Understanding Plan G benefits and out-of-pocket costs helps you judge the premium. Regular Plan G covers the Part A deductible, Part A hospital coinsurance, eligible skilled nursing facility coinsurance, Part B coinsurance and Part B excess charges. It leaves the Part B deductible to you. Standardized benefits stay the same across insurers selling regular Plan G. Medicare’s benefit comparison, Medigap standardization

Your budget also needs these separate expenses:

• Medicare Part B: the standard premium is $202.90 monthly in 2026, with higher amounts possible because of income or late-enrollment penalties; the annual deductible is $283.
• A Part A premium, if you do not qualify for premium-free Part A.
• Standalone Part D premiums and prescription costs, if you choose that coverage.
• Services Medigap generally excludes, such as routine dental care, hearing aids and long-term custodial care.

Medigap sold today does not include prescription drug coverage. Medicare’s 2026 costs, Medigap coverage exclusions

For a hypothetical budget using a $234 monthly Plan G premium, twelve months of premiums plus the full 2026 Part B deductible equal $3,091. Add Part B premiums, drug coverage and other expenses separately. This calculation assumes an unchanged premium for twelve months and is not a total healthcare spending limit.

As you explore Medicare coverage in your state, decide whether you want Original Medicare with Medigap and separate drug coverage, or a Medicare Advantage plan with its own provider rules and costs. Original Medicare versus Medicare Advantage

Why your quote may differ

Ask which factors the insurer used:

• Location and applicant category: Confirm your residence, age, sex, tobacco classification and any applicable underwriting tier.
• Enrollment protection: A protected enrollment period can change whether health history affects acceptance or pricing.
• Discounts: Request the premium both before and after household or payment discounts, along with the eligibility rules and how long each discount lasts.

These factors can affect Medigap pricing, so compare quotes prepared with identical information. Medicare’s Medigap cost guidance

Also ask how renewal pricing works. Attained-age premiums can increase as you grow older. Issue-age pricing uses your age when buying the policy; community-rated pricing does not base the premium on age. All three methods can still have increases for other reasons. Ask for the policy’s recent rate history and any announced increase; past changes do not predict future prices. Maryland’s rating-method explanations

Compare companies on the same terms

To evaluate Mutual of Omaha and AARP Medigap cost differences, hold the plan letter, Maryland location, applicant profile and coverage start date constant. Request the legal issuing company’s name, the final premium, any membership cost and every discount assumption.

Use the same process for other insurers. A useful shortlist includes written prices, an explanation of future discount changes and answers about billing and customer service. Check complaint information through the state insurance department before choosing. Medicare recommends contacting multiple companies for official quotes. How to buy Medigap

Is Plan G worth the premium over Plan N?

When comparing Plan G and Plan N costs, calculate the annual premium difference first. Both leave the Part B deductible to you. Plan N can also charge up to $20 for certain office visits and up to $50 for emergency room visits that do not result in inpatient admission; it does not cover Part B excess charges. Medicare’s Plan N cost-sharing rules

Hypothetically, a Plan N quote $30 below Plan G saves $360 in annual premiums. Ten visits with $20 copays would use $200 of that difference, leaving $160 before any emergency room copay or excess charges. Those are arithmetic assumptions, not quoted rates or a forecast of your care.

Plan G may suit you if you value predictable costs when receiving Medicare-covered care. Plan N deserves consideration when its verified premium savings justify the extra cost sharing.

Keep high-deductible Plan G separate in your comparison. In 2026, it requires $2,950 in Medicare-covered deductibles, copayments and coinsurance before the policy pays benefits. Evaluate whether you can comfortably fund that exposure. Medicare’s high-deductible rule

Check your right to enroll before switching

Your federal Medigap open enrollment lasts six months, starting the first month you are both 65 or older and enrolled in Part B. During that period, insurers cannot use medical underwriting to deny a policy they sell or charge more because of health problems. Outside protected enrollment, an insurer may decline your application or charge more. Medicare enrollment protections

Medicare’s October 15–December 7 annual enrollment window allows health and drug plan changes; it does not generally guarantee Medigap acceptance without underwriting. Changes made during that window in 2026 generally begin January 1, 2027. The prices above describe 2026 coverage, not promised 2027 rates. Annual enrollment rules

Maryland’s birthday protection

For existing policyholders, using the Maryland Medigap birthday rule can provide a yearly opportunity to replace a Maryland-issued Medigap policy without underwriting. The window includes your birthday and the following 30 days, and the replacement must have equal or lesser benefits.

A regular Plan G holder can move to another regular Plan G, including with another insurer. Maryland’s chart also permits moving from regular G to N or high-deductible G. It does not grant a protected move from N or high-deductible G up to regular G. Submit the application within the window; processing need not finish within it. Maryland’s birthday rule and permitted switches

Maryland added other limited guaranteed-issue rights on July 1, 2026. Ask for an eligibility review if you recently lost Medicaid, or became eligible for Medicare before 2020 and have a qualifying federal Special Enrollment Period. Coverage-history requirements and 63-day application deadlines apply; have the insurer or state confirm your qualifying event, deadline and eligible policies. Maryland’s new enrollment-rights advisory

Prepare your individual quote comparison

Gather your ZIP code and county, date of birth, Part A and Part B start dates, desired effective date, current plan letter and insurer, tobacco information, and household discount details. If switching, include your birthday and any notices supporting enrollment protection.

Start with the approved-carrier resources on Maryland’s Medicare Supplement page, then request written quotes directly from insurers or a Maryland-licensed insurance producer. Free counseling is also available through Maryland SHIP. Maryland’s Medigap shopping resources

Keep existing coverage until the replacement is approved and you have confirmed its terms and start date. Medicare’s replacement guidance

Your next step is to obtain three regular Plan G quotes for the same start date, with discounts itemized and enrollment eligibility confirmed. Compare their annual premiums alongside a Plan N quote and your separate prescription coverage costs, then choose the combination that fits your budget and tolerance for bills when you receive care.