Maryland Medicare Options

Taking The Frustration & Confusion Out Of Medicare

(410) 896-1212

No pressure. No obligation. Fast & Free Quotes.

Independent Maryland Medicare Broker Agent Peter Palmiotto

Peter Palmiotto

Independent Medicare Broker

10+ Years Medicare Experience

MD License 3000236502 

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Maryland Medicare Options
5.0
Based on 10 reviews
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Linda Watz
Linda Watz
21:41 19 May 20
I have been a client of Peter Palmiotto's for the last 5 years. He is extremely knowledgeable about the Medicare program and how it works. Peter explains Medicare in way that is clear and understandable. He found the best Supplemental plan and Prescription plan for my husband and me. Peter cares about his clients and gets to know their situation so he can find the most appropriate plan for the client he's working with. Thank you Peter for all your help and support!
Doug M
Doug M
13:36 19 May 20
Working with Peter at Maryland Medicare Options has been a refreshing and encouraging process. I was relieved to find someone who sincerely cared about helping me find the best plan for me. I shopped around a little but ultimately settled on Peter because of his reputation of honesty and integrity. I will be recommending all my friends use Maryland Medicare Options to choose their Medicare plan because of Peter Palmiotto!
Joan Leanos
Joan Leanos
23:19 17 May 20
Peter is extremely knowledgeable and navigated my situation to an excellent conclusion. We found a MediGap policy that suited my situation and also saved me money. I will recommend his services to my clients and associates.
Sue Munz
Sue Munz
19:53 17 May 20
Peter Palmiotto has represented us in our Medicare options. Without his help my husband and I would have spent much more on our supplemental choice each month. Thanks to Peter he helped us find just the right plan for our situation, and continues to make sure that we are not spending anything extra each year since plans are constantly changing. I strongly recommend Peter's work with medicare choice!
gary rosen
gary rosen
15:03 17 May 20
Peter is amazing. He patiently walked me through my options. Once we agreed on my supplement and drug plan, he filled out the forms. All that was required was my signature. As an attorney I appreciate professionalism, integrity and an obvious mastery of the subject. Turning 65 may be difficult, but the Medicare process doesn't have to be with Peter.
Marikka G
Marikka G
14:10 17 May 20
He was wonderful and so very responsive. He went above and beyond just to make sure I had the best options available and made sure I clearly understood everything. Highly recommend Peter and will be using him again in the future!!!
Stan Goodreau
Stan Goodreau
19:49 22 Mar 20
Anybody looking for honest, unbiased info. about medicare options should talk to Peter. He knew how to get the best plans set up for my situation. His level of service is untouchables compared to some others that we spoke with.
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Should I Enroll Into Medicare?

Download our free Medicare enrollment decision guide.

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Maryland Medicare Options Turning 65 Decision Matrix-01
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What I Can Do For You

EXPLAIN YOUR OPTIONS

I will help you understand all your Medicare options so you can decide which is best for you. I will show you several plans to compare "apples-to-apples." I will explain all the costs and find you the lowest priced option to cover all your requirements.

HANDLE ALL PAPERWORK

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

MAINTAIN UPDATES

Medicare rules and rates change yearly. I dedicate at least 80+ hours per year to certification, training and education. This allows me to notify you when your plan is negatively affected so we can make new arrangements for a change in coverage. 

FREE Medicare Updates & Reminders

When major changes or deadlines approach, I'll send out an informative email alerting you. You can opt-out anytime with 1-click.

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Why is working with me so different?

The main difference between myself and other "agents" is that Medicare insurance is all I do.  I have elected to make Medicare my only line of business. I'm local to Maryland (Annapolis) and cover the entire state, no matter where you live. This means we can meet in person and I have local knowledge of the area, rules, deadlines and doctor networks. I'm licensed with many carriers that other agents don't even know about. And since I've helped 100's of seniors obtain great coverage, I know all the little "tricks and gotchas" of the Medicare universe.  My focus is to find you the best coverage for the lowest price.


You only get one chance to "start Medicare" and working with someone that knows exactly what to do is critical to ensure a smooth and efficient transition.  Give me a call to discuss your Medicare needs.

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

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

Sometimes too many choices leads to analysis paralysis and mass confusion. There is a ton of out-dated and misinformation out there. I always stay up-to-date and present my clients with ALL their choices in the marketplace, even if I don't have access to one or two options (I 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 I offer all types of medicare plans, I can walk you through all of them, explaining them in plain english so you fully understand each benefit. This is the only way you can ever have a clear picture about your medicare options. If you're turning 65 soon, learn What To Do With Medicare When Turning 65.


I am licensed and authorized to sell:

schedule medicare insurance appointment

or Call (410) 896-1212

All My Services Are FREE And You'll Never Pay More For My Help

I am compensated by the insurance carriers for helping you. You never pay a broker fee or inflated insurance premiums for having me help you.  In fact, all insurance rates are set by law, so you will always be presented with published, verifiable, real-time pricing. Let me help you save money!

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 benefits will not start until the first day of your 65th birth month. If you were born on the 1st, then your benefits start 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 benefits. Typically your benefits start 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 

parts of medicare maryland broker

Waiting Will Cost You

Waiting to enroll or missing vital deadlines may 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, 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.

Enrolling into Medicare is easy and is done through your local Social Security Office. If you're already taking SSI benefits, you'll be automatically enrolled into Medicare.

Medicare hasn't been known to be a "great communicator" and they typically leave it up to you to figure things out. That's where a trusted broker like myself steps in.

Most people are surprised by the savings Medicare offers them over workplace insurance or Obamacare. And to be honest, there are some great additional benefits that Medicare offers.

schedule medicare insurance appointment

or Call (410) 896-1212

Products I'm Licensed To Help You With

  • Medicare Supplement Gap Plans (F, G, N, High Deductible Plans and others)
    These typically pay for expenses that Medicare does not. 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.
  • Medicare Advantage Part C Plans (HMO's, PPO's, MSA's, Special Needs Plans and others)
    Advantage plans are fantastic alternatives to higher priced Supplement Plans. There are many options in each county that work with particular Dr. networks and pharmacies. The extra benefits like dental, vision, hearing and transportation are a great reason to take a closer look. Learn More.
  • Medicare Prescription Drug Plans (also known as 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 fined if you don't, even if you don't currently take any medications. Some plans start as low as $15 per month. Learn More.

Here's "What You Get"

With Maryland Medicare Options

  • Access to over 20 different companies so you get the best rates and most robust benefits.
  • An Independent licensed broker with over 10 years of Medicare insurance experience.
  • A simple, straight-forward review of plans you can choose from based on your health needs and lifestyle.
  • A unbiased broker that can help you navigate all of the misinformation about Medicare.
  • A single point of contact for all your Medicare insurance requirements.
  • A stress-free experience without any complicated research, homework or confusion. Sit back, learn and have the opportunity to pick the best plan for you.
6 expensive medicare mistakes and how to avoid them

Medicare Made Easy

6 Expensive Medicare Mistakes

...and how to avoid them!

100% Satisfaction Guarantee

You are fully protected by my Client Satisfaction-Guarantee. If you don't get the service you deserve and the right plan that you need, just let me know and I work with the insurance companies to help make things right.

peter palmiotto maryland medicare options
schedule medicare insurance appointment

or Call (410) 896-1212

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?


P.S.: Medicare is how I support my family.  I'm a hard working independent broker that is knowledgeable and committed to your satisfaction.  If you know of anyone I can help, I would appreciate you sharing my information with them.

Peter Palmiotto is an independently licensed insurance broker and receives compensation when insurance policies are issued. He is not sponsored or endorsed by any insurance company. This is a proprietary website. and is not, associated, endorsed or authorized by the state of Maryland, Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

Click Here To Call Peter Now!