Baltimore Area Comparisons

Annual estimated out-of-pocket costs for Medicare Advantage Plan members*
All Plans below include Medicare Part D - Drug Benefits      Indicates $0 Premium Plans
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#1 United Healthcare
(Erickson Advantage Liberty HMO) 		 $811 United Healthcare
(Erickson Advantage Liberty HMO) 		 $2,953 Humana
(Gold Plus HMO-$36) 		 $6,304
#2 Alterwood Advantage
(Select HMO) 		 $834 Alterwood Advantage
(Select HMO) 		 $2,966 United Healthcare
(Erickson Advantage Liberty HMO) 		 $6,683
#3 CommuniCare
(Advantage Sapphire HMO-$15)		 $1,017 Humana
(Gold Plus HMO-$36) 		 $3,081 Alterwood Advantage
(Select HMO) 		 $7,762
#4 Kaiser Permanente
(Medicare Advantage Value)  		 $1,115 CommuniCare
(Advantage Sapphire HMO-$15) 		 $3,499 Cigna Healthcare
(Alliance Medicare HMO-$32) 		 $8,473
#5 CareFirst Blue Cross Blue Shield
(Advantage Complete PPO-$42)		 $1,216 Cigna Healthcare
(Alliance Medicare HMO-$32) 		 $3,963 CommuniCare
(Advantage Sapphire HMO-$15)		 $8,823
#6 Cigna Healthcare
(Alliance Medicare HMO-$32) 		 $1,353 Aetna
(Medicare Value Plus HMO-$17) 		 $4,358 Aetna
(Medicare Value Plus HMO-$17) 		 $9,373
#7 Johns Hopkins Healthcare
(Advantage MD HMO) 		 $1,393 Kaiser Permanente
(Medicare Advantage Value)  		 $5,114 Johns Hopkins Healthcare
(Advantage MD HMO) 		 $9,845
#8 Humana
(Gold Plus HMO-$36) 		 $1,433 CareFirst Blue Cross Blue Shield
(Advantage Complete PPO-$42)		 $5,337 CareFirst Blue Cross Blue Shield
(Advantage Complete PPO-$42)		 $9,929
#9 Aetna
(Medicare Value Plus HMO-$17) 		 $1,785 Johns Hopkins Healthcare
(Advantage MD HMO) 		 $5,594 Kaiser Permanente
(Medicare Advantage Value)  		 $10,162
  Average: All Plans $1,217 Average: All Plans $4,096 Average: All Plans $8,595

*Annual estimated costs (out-of-pocket expenses) include applicable 2025 plan copayments, deductibles, and premiums as posted on Medicare Plan Finder (www.Medicare.gov). Medicare Part B monthly premiums ($185 in 2025 for most beneficiaries) are not included.  Estimated costs may be greater for beneficiaries who are late enrolling for Medicare Part D (prescription drug) coverage or lower for beneficiaries with limited income and resources who may be eligible for low-income subsidies.  Estimates do not include cost-sharing for additional popular benefits provided by some plans, e.g., eyewear, hearing aids, transportation.  

The information contained herein is neither guaranteed nor intended to represent actual enrollee experiences for any Medicare plan. HealthMetrix Research Inc. does not endorse or recommend specific Medicare plans. 

Medicare has neither reviewed nor endorsed this information.  The Senior Choice Gold Award is not given by Medicare.

This is not a complete listing of plans available in your service area.  For a complete listing, please contact 1-800-MEDICARE or consult www.Medicare.gov. 

(TTY users should call 1-877-486-2048, 24 hours a day/7 days a week or consult www.Medicare.gov.) 

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