Medicare Advantage in Maryland

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Maryland Medicare Advantage plan enrollment by the numbers

There were nearly 107,000 people in the state of Maryland with a Medicare Advantage plan in 2017.¹

There are several major types of Medicare Advantage plans. In the state of Maryland, there are 24 different plans available as of 2018.² Not every plan is available in each county, so it's important to find out which ones are offered where you live.

Medicare Advantage enrollment in Maryland was split fairly evenly in 2017 between Medicare cost plans (39 percent of enrollees), local PPO plans (33 percent) and HMO plans (28 percent). The major types of Medicare Advantage plans include:


A Health Maintenance Organization usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.


Medicare Advantage beneficiaries in a Preferred Provider Organization are able to see providers outside of their plan’s network, often at a higher cost. Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network. PPO plans typically do not require patients to acquire a referral before visiting with a specialist.


A Private Fee-For-Service plan determines how much it will pay to health care providers and how much the patient will pay when care is received. With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.


A Special Needs Plan is a type of Medicare Advantage plan limited to people with certain chronic conditions and  other specific characteristics. Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Medicare Cost Plans, Medical Savings Accounts (MSA) and HMO Point-of-Service (HMO POS) plans are 3 additional types of Medicare Advantage plans that are less popular in most states. But in Maryland, enrollment in Medicare Cost Plans actually accounted for the highest percentage of Maryland Medicare Advantage plan enrollment in 2017.

Total number of Medicare Advantage enrollees in Maryland: 106,861 as of 2017¹

MD Medicare Advantage enrollees by plan type:

Plan type Percentage of Maryland enrollees (2017)
HMO 28%
Local PPO 33%
Regional PPO 0%
Cost Plans 39%
Other Plans <1%

Data reflects Medicare Advantage enrollment in the state of Maryland as of 2017, as obtained from the Kaiser Family Foundation Medicare Advantage 2017 Spotlight: Enrollment Market Update¹

Maryland Senior Health Insurance Assistance Program (SHIP)

Maryland’s Senior Health Insurance Assistance Program assists seniors with understanding their health insurance benefits, bills, options and rights. The service is free, confidential and is provided by a team of volunteers trained in Medicare, Medicare Advantage, Medicare Supplement Insurance and other senior health care programs. The program may be contacted at 410-767-1100.

You can also explore more information about the insurance industry in Maryland by visiting the state’s Insurance Administration website.


¹Kaiser Family Foundation. Medicare Advantage 2017 Spotlight: Enrollment Market Update. Retrieved from

²Kaiser Family Foundation. State Health Facts: Medicare Advantage Plans. Retrieved from,%22sort%22:%22asc%22%7D.

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TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year.

Medicare has neither reviewed nor endorsed this information.

Last Updated: 4/24/2018