Medicare in Maryland

Maryland has a Medigap birthday rule. Once a year, around your birthday, you can switch to another Medigap plan with equal or lesser benefits without answering health questions. The exact window length and rules are set by state regulators, so the details matter. Outside that window, and outside your original six-month Medigap Open Enrollment Period, standard medical underwriting usually applies.

Pinnacle Insurance Advisors is licensed in Maryland. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Maryland clients work with us entirely by phone.

Maryland's rule started on July 1, 2023. The once yearly open enrollment period includes your birthday and the 30 days following it, and during that time you can change to a Medicare Supplement policy of equal or lesser benefits without underwriting. Carriers may extend the window at their discretion, but it must always include your birthday and the following 30 days.