Maryland Medicare Options

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Should You Enroll Into Medicare?

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Since 2011, we've Helped 1,000's Of Clients

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What Maryland Medicare Options Does For You

EXPLAIN YOUR OPTIONS

As a trusted licensed insurance
broker, we will help you understand all your Medicare options so you can decide
which is the best fit for your health needs. We will show you several plans to review
"apples-to-apples." We explain all the coverage and help with personalized guidance for the best fit for your health needs and budget."

HANDLE ALL PAPERWORK

After you select an insurance plan, we handle all the filing of the applications. We ensure they are submitted within Medicare's guidelines and follow up with you once you're approved. We are HIPPA compliant and securely store documents for at least 10 years. 

MAINTAIN UPDATES

Medicare rules and coverage
change yearly. We all dedicate at least 80+ hours per year to certification, training and
education. This means we always have updated information about your plan. We can help you make changes to your plan, ensuring the best fit for your health needs.

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Why is working with us so different?

The main difference between us and others is that Medicare insurance is all we do. Consider us your exclusive Maryland senior health advisors. We have elected to make Medicare our only line of business. We are all local to Maryland and cover the entire state, no matter where you live. This means we can meet in person and we have local knowledge of the area, rules, deadlines and doctor networks. We're licensed with many carriers that call centers and out-of-state brokers don't even know about. And since we've helped 1000's of retirees obtain great coverage to best fit their health needs, we have years of experience as local trusted licensed insurance agents for retirees from all walks of life.  Our focus is to find you the best coverage for your health needs and budget. Getting it right the first time is important, and working with someone that knows exactly what to do is critical to ensure a smooth and efficient transition.  Give us a call to discuss your Medicare needs.

"Licensed Insurance Broker" vs "Licensed Insurance Agent": 
Even if we don't work together, we would encourage you to work with an independent licensed insurance broker rather than an "agent."  A licensed insurance broker means they don't work for any particular insurance carrier, an agent is often a direct employee of the insurance company. Licensed Insurance Brokers are 100% independent and licensed with a variety of carriers. As long as the licensed insurance broker has access to at least 10 different insurance carriers, they should be able to properly help you, without being a captured licensed insurance agent with a specific carrier.  

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Knowing What Is Available Is The First Challenge With Medicare Insurance Shopping

Too many choices leads to analysis paralysis and mass confusion. There is a ton of outdated and misinformation out there. We always stay up-to-date and present our clients with ALL their choices in the marketplace, even if we don't have access to one or two options (we still want you to know about them). Medicare insurance is complex.  It has various deadlines, acronyms, pricing structures and rules that if broken or ignored, can lead to penalties in the form of delayed coverage or even financial penalties. Since we're all independent licensed insurance Brokers, we can walk you through all types of plans, explaining them in plain English so you fully understand. If you're turning 65 soon, learn What To Do When Turning 65.  We are licensed and authorized to sell Medicare throughout Maryland and the Mid-Atlantic:

 Supplement PlansClick To Learn More
Advantage PlansClick To Learn More
Prescription PlansClick To Learn More

All Maryland Medicare Options Services Are FREE And You'll Never Pay More For Our Help

We are compensated by the insurance carriers for helping you. You never pay a licensed insurance broker fee or inflated insurance monthly costs for having us help you.  In fact, all insurance costs are set by law, so you will always be presented with published, verifiable, real-time pricing. Let us help you find the best fit for your health needs and budget!

Turning 65 And What You Need To Know

There are a few ways you can qualify for Medicare insurance. Most people qualify by turning 65 years of age. You can enroll into the Medicare system up to 3 months prior to your 65th birth month, but your coverage will not start until the first day of your 65th birth month. If you were born on the 1st, then your coverage starts one month earlier, on the first day of the month prior to your 65th birth month. You can also qualify for Medicare at any age if you're permanently disabled after a 2 year waiting period. Those that have End Stage Renal Disease (ESRD) or ALS (also known as Lou Gehrig’s disease) also qualify but do not have to wait 2 years to obtain coverage. Typically your coverage starts after four months of dialysis or as soon as your SSDI benefits begin for those with ALS. To learn more about how you can qualify for Medicare, please visit Medicare.gov or call Maryland Medicare Options at 410-896-1212 to connect with a licensed insurance agent.

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Waiting Might Increase Your Overall Costs

Waiting to enroll or missing vital deadlines might cost you money in the form of penalties, or even delayed enrollment!  Do NOT wait to enroll into Medicare unless you have credible coverage through a Union, the VA, or you are able to stay on your employer's group plan past your 65th birthday.  As long as you have credible coverage, you do not need to enroll into Medicare and you will not incur any penalties. There are exceptions to this rule, so please contact me at 410-896-1212 to discuss your situation with a licensed insurance agent.

Do You Make More Than $110,000 Per Year?

Read About Your Income Related Monthly Adjustments (IRMAA)

 Your Part B premium may be higher than the base rate. I can show you how to potentially lower your Medicare Part B premium if you are currently a "high income earner." This is ethical and legal and the SSA allows it. Learn more here >>>

Medicare Products We're Licensed To Help You With

  • Medicare Supplement Gap Plans (F, G, N, High Deductible Plans)
    These typically pay where Medicare leaves off. Typically, Medicare supplemental plans require answering health questions to be approved. But when you're turning 65, you are given a "free pass" called a Guaranteed Issue period where you are automatically approved. Learn More. There are many rules surrounding enrollments, start dates and medical underwriting. It's best to discuss your personal situation to determine the best path forward.
  • Mediare Advantage Part C Plans (HMO's, PPO's, Dual Medicaid & Medicare Plans, Special Needs Plans and others) 
    Medicare Advantage plans are fantastic alternatives to higher priced Medicare Supplement Plans. There are many options in each county that work with particular Dr. networks and pharmacies. Learn More.
  • Prescription Drug Rx Plans (PDP Plans or Medicare Part D)
    These plans are typically available statewide rather than by county. You are required to carry prescription drug coverage once you're on Medicare, and you can be subject to a financial penalty if you don't.  Even if you don't currently take any medications, it's advisable to enroll to satisfy Medicare's Part D requirement.  Learn More
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Here's "What You Get"

With Maryland Medicare Options

Why Us?  Compare What We Offer
  • Access to many top carriers with various different plan options. Independent licensed insurance brokers since 2011 focused exclusively on Medicare.
  • A simple, straight-forward review of plans you can choose from based on your health needs, lifestyle and budget.
  • Piece of mind with trusted licensed insurance brokers that can help you navigate all of the complexities of Medicare.
  • A single point of contact for all your Medicare insurance requirements without any complicated research, homework or sales pressure.
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Frequently Asked Questions

Is there a fee for your services?

What do I need before we work together?

Can this all be done over the phone/online?

If it's free, how do you make money?

What licenses do you hold to sell Medicare?

Do you sell any other types of insurance?

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