County guide · Baltimore city, MD · 2027 plan year
Original Medicare vs Medicare Advantage in Baltimore city, MD
This guide lists 11 Medicare Advantage plans for 2027 in Baltimore city, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 11
- $0 premium
- 5 plans
- Lowest in-network limit
- $5,700
- Highest in-network limit
- $9,850
In most states, including Maryland, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Maryland can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. Maryland’s birthday rule helps only people who already have Medigap, not people who leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $177 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,994 | $7,169 | $7,394 |
| Alterwood Advantage Select (HMO)HMO from Alterwood Advantage · Plan ID H9306-009 · Medicare.gov | $0 plan + Part B $209.50 | $7,500 in network | 3.5 of 5 | 20 services | $2,539 | $4,598 | $11,934 |
| Alterwood Advantage Choice (HMO)HMO from Alterwood Advantage · Plan ID H9306-008 · Medicare.gov | $45 plan + Part B $209.50 | $7,500 in network | 3.5 of 5 | 20 services | $3,084 | $4,848 | $12,212 |
| Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS)HMO-POS from Kaiser Permanente · Plan ID H2172-022 · Medicare.govIts page is set for Baltimore County, MD | $38 plan + Part B $209.50 | $8,900 in network | 4.5 of 5 | 24 services | $3,055 | $5,005 | $11,355 |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS)HMO-POS from Kaiser Permanente · Plan ID H2172-002 · Medicare.govIts page is set for Montgomery County, MD | $114 plan + Part B $209.50 | $5,700 in network | 4.5 of 5 | 24 services | $3,942 | $5,461 | $10,840 |
| CareFirst BlueCross BlueShield Advantage Complete (PPO)PPO from CareFirst BlueCross BlueShield Medicare Advantage · Plan ID H7379-002 · Medicare.govIts page is set for Montgomery County, MD | $45 plan + Part B $209.50 | $6,300 in network; $10,750 in and out of network | 2.5 of 5 | 17 services | $3,089 | $5,634 | $10,829 |
| HealthSpring Preferred Plus (HMO)HMO from HealthSpring · Plan ID H2108-022 · Medicare.govIts page is set for Baltimore County, MD | $38 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 24 services | $3,279 | $6,285 | $11,906 |
| CareFirst BlueCross BlueShield Advantage Signature (PPO)PPO from CareFirst BlueCross BlueShield Medicare Advantage · Plan ID H7379-004 · Medicare.govIts page is set for Montgomery County, MD | $47 plan + Part B $209.50 | $7,151 in network; $12,000 in and out of network | 2.5 of 5 | 17 services | $3,445 | $7,256 | $12,629 |
| CareFirst BlueCross BlueShield Advantage Salute (PPO)PPO from CareFirst BlueCross BlueShield Medicare Advantage · Plan ID H7379-003 · No drug coverage · Medicare.govIts page is set for Montgomery County, MD | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $5,900 in network; $8,950 in and out of network | 2.5 of 5 | 17 services | $1,657 | $9,456 | $27,960 |
| Alterwood Advantage Freedom (HMO)HMO from Alterwood Advantage · Plan ID H9306-003 · No drug coverage · Medicare.govIts page is set for Montgomery County, MD | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $6,500 in network | 3.5 of 5 | 20 services | $1,672 | $9,691 | $29,390 |
| HealthSpring Courage (HMO)HMO from HealthSpring · Plan ID H2108-045 · No drug coverage · Medicare.govIts page is set for Baltimore County, MD | $0 plan + Part B $209.50 (the plan pays back $90 of Part B) | $7,150 in network | 3 of 5 | 24 services | $2,034 | $10,332 | $29,550 |
| Kaiser Permanente Medicare Advantage Liberty (HMO)HMO from Kaiser Permanente · Plan ID H2172-005 · No drug coverage · Medicare.govIts page is set for Montgomery County, MD | $0 plan + Part B $209.50 | $5,900 in network | 4.5 of 5 | 24 services | $2,882 | $10,651 | $28,860 |
Original Medicare totals use the lowest Plan G price that Maryland Insurance Administration, monthly Medicare Supplement premiums (as of July 1, 2026) lists for a 65-year-old woman who does not use tobacco, $177 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from Maryland Insurance Administration, monthly Medicare Supplement premiums (as of July 1, 2026), pulled 2026-10-13. They are statewide prices for Maryland. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: Maryland Insurance Administration, monthly Medicare Supplement premiums (as of July 1, 2026)
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.