Medicare in Frederick · Frederick County, MD
2026 Medicare Advantage Plans in Frederick, MD
Frederick County offers 29 Medicare Advantage plans for 2026 across 7 carriers, with an average premium of $11.96/mo — including plans rated 4★ or higher by CMS.
Frederick County (Frederick), MD has 62 Medicare Advantage plans (avg $14.50/mo) for plan year 2026.
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By the numbers · Frederick County
Quick facts for Frederick, MD Medicare (2026)
Real CMS plan data · Frederick County
Medicare Advantage & Part D Plans in Frederick County
29 Medicare Advantage plans and 10 Part D plans available in Frederick County, MD.
These are all Medicare Advantage and Part D plans offered by any carrier in this county — not limited to plans Price Services Group represents. County-level counts and ranges, not a list of specific plans — a licensed agent can match you to the right one.
Source: CMS PBP/Landscape/Star Ratings data via PSG-Partner-Portal plan_cheatsheets (county-level aggregates) · County-level aggregate estimate from real CMS plan data. Plan availability, benefits, and costs change — verify with a licensed agent or Medicare.gov before enrolling.
Health profile · why coverage choice matters here
Chronic conditions among Frederick County adults
Source: County Health Rankings & Roadmaps 2024 — Frederick County.
Find Medicare plans near you
Free tools
Quick Medicare Calculators
2026 Part B Penalty Estimate
Monthly penalty: $0.00
Estimate only. A Special Enrollment Period or Medicare Savings Program may mean no penalty applies. Uses the 2026 standard Part B premium.
2026 Part B IRMAA Check
Monthly Part B surcharge: $0.00
Part B only, for full Medicare coverage. Joint returns and married-filing-separately returns have different rules. Your Social Security determination controls your actual amount.
Sources: CMS 2026 premiums and income brackets and Medicare enrollment penalty rules.
Who covers you
Carriers in Frederick County (2026)
- UnitedHealthcare HMO-POSPPOD-SNP
AARP Medicare Advantage HMO-POS and PPO; D-SNP available across Maryland
- Humana HMO-POSPPO
HMO-POS and PPO options with Maryland provider network
- Aetna (CVS Health) PPO
Medicare Signature PPO; strong star ratings in Maryland markets
- CareFirst BlueCross BlueShield
Maryland's dominant regional carrier with the largest provider network in the state
- Wellcare by Centene HMOD-SNP
Low-premium HMO and D-SNP plans available across Maryland
- Kaiser Permanente HMO
Staff-model HMO with strong network in Baltimore and DC metro corridors
- Cigna Healthcare HMOPPO
Medicare Advantage HMO and PPO; competitive in Baltimore and DC metro markets
Where you get care
Hospitals & providers nearby
- Frederick Health Hospital 400 W 7th St, Frederick MD 21701
Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.
Sources: CMS Hospital Compare · CMS Landscape (PY2026).
Choosing a Medicare plan in Frederick, MD — what matters here
- Frederick County (Frederick) is a fast-growing mid-Maryland community between Baltimore and the western mountains with 62 Medicare Advantage plans for 2026, averaging $14.50/month.
- Frederick Health Hospital (4 stars) is the flagship county hospital. Fort Detrick military base adds military retirees with TRICARE options alongside Medicare. Adventist HealthCare Shady Grove (Rockville, 4 stars) is accessible east.
- 40% of Frederick Medicare beneficiaries are enrolled in Medicare Advantage. 28 SNPs serve dual-eligible beneficiaries.
📍 Local Medicare Resources for Frederick
Local Medicare Resources for Frederick, MD
Nearest SSA field office serving Frederick County — call 1-800-772-1213 or visit ssa.gov/locator to confirm the exact office and hours — handles Medicare enrollment, IRMAA appeals, and Social Security coordination.
Nearest VA facility serving Frederick County, Maryland — call 800-698-2411 or visit va.gov/find-locations to confirm the closest VA clinic or medical center — veterans with VA benefits may also qualify for Medicare Advantage coordination.
Area Agency on Aging serving Frederick County, Maryland — local Area Agency on Aging offering free Medicare counseling (SHIP program).
Frederick Health Hospital, Frederick — primary hospital network accepting Medicare in Frederick.
Frederick is a community in Frederick County, Maryland.
Not sure Medicare Advantage is the right path?
Also consider Original Medicare + a Supplement
Medicare Advantage isn't the only option. Original Medicare generally lets you use providers nationwide who accept Medicare. A Medicare Supplement (Medigap) policy can help with covered cost sharing, while a separate Part D plan covers prescriptions. Confirm provider acceptance, covered services, and policy rules before choosing coverage.
- No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
- Cost sharing. Standard Plan G helps pay covered Original Medicare cost sharing, but not the $283 annual Part B deductible in 2026. Premiums and costs for services Medicare does not cover are separate.
- Enrollment window. Your federal Medigap Open Enrollment Period lasts 6 months, starting the first month you are 65 or older and have Part B. Outside that window, underwriting may apply unless you have other protections. State rules can differ.
Sources: Medicare 2026 costs and Medigap enrollment timing.
Medigap guide for Frederick → NC Medicare Supplement overview →
Resources
Medicare guides for Frederick, MD
What Is Medicare? Parts A, B, C & D Explained for 2026
Medicare has four parts that work together — and choosing the wrong combination at 65 can follow you financially for the rest of your life. A plain-English guide to what each part covers, what it costs, and how to enroll on time.
Read →
Medicare Advantage vs. Medigap in 2026: Which Is Right for You?
Compare Medicare Advantage with Original Medicare and Medigap, including costs, provider access, prescriptions, and the protected Medigap buying periods that may apply to you.
Read →
How to Avoid Medicare Late Enrollment Penalties in 2026
Late enrollment penalties differ for Parts A, B, and D. Learn how enrollment timing, current-employment coverage, creditable drug coverage, and assistance programs can affect whether a penalty applies.
Read →Frederick, MD Medicare questions, answered
How many Medicare Advantage plans are available in Frederick, MD?
For 2026, there are 29 Medicare Advantage plans available in Frederick (Frederick County), offered by 7 carriers including UnitedHealthcare, Humana, Aetna (CVS Health), and others. Some of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.
What is the average Medicare Advantage premium in Frederick for 2026?
The average monthly Medicare Advantage premium in Frederick, MD is $11.96 for 2026, with an average CMS star rating of 3.86★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.
When can I change my Medicare plan in Frederick?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.
Are there Special Needs Plans available in Frederick County?
Yes — Frederick County has Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.
What hospital options are near Frederick, MD?
Frederick Health Hospital in Frederick is rated 4★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.
Is there a cost for help choosing a Medicare plan in Frederick?
No. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.
Is Medicare coverage the same in Frederick, MD?
Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Frederick, MD as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Frederick County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.
When can I enroll in Medicare in Frederick, MD?
Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting Frederick residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to Frederick or losing other health coverage.
How do I find a Medicare agent near Frederick, MD?
Look for a licensed, independent agent who is appointed to sell plans in MD and familiar with the carriers and provider networks serving Frederick County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving Frederick through this site's contact page, or call the number listed on this page to talk with someone directly.
Is there a Medicare agent in Frederick, MD?
Yes. Kayla Price is a licensed independent insurance agent serving Frederick, MD and Frederick County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 7 carriers offering plans in Frederick County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.
How do I find Medicare help in Frederick?
The fastest way is to book a free, no-obligation review with a licensed agent who already works in Frederick County — Kayla Price at Price Services Group covers Frederick, MD and can walk through the 29 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.
Does Price Services Group serve Frederick, MD?
Yes — Frederick, MD is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Frederick County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.
What Medicare Advantage plans are available in Frederick, MD?
Medicare Advantage plan availability varies by county in MD. Kayla Price can review all plans available in Frederick and help you compare options by phone or video.
How much does Medicare cost in Frederick, MD?
Medicare Part B costs $202.90 per month regardless of where you live in MD. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in Frederick.
When is the next Medicare enrollment period for residents of Frederick, MD?
The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in Frederick, MD. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.
What Medicare plans are available in 21701 Frederick?
ZIP code 21701 (Frederick, MD) is in Frederick County, which has 29 Medicare Advantage plans for 2026 across 7 carriers, some of them rated 4★ or higher by CMS. Plan availability can vary slightly by exact ZIP within a county — a licensed agent can confirm what's offered at 21701 specifically. Source: CMS PY2026 Landscape.
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Medicare education guides
Medicare Advantage vs. Medigap
Compare the two coverage approaches and questions to discuss with your agent.
Read the guide →Turning 65 and Medicare Enrollment
Review enrollment timing and the steps to prepare for Medicare.
Read the guide →Annual Enrollment Period Guide
Prepare for your annual coverage review with the PSG education guide.
Read the guide →Enrollment windows
When can you change your Medicare plan?
Annual Enrollment Period
Oct 15 – Dec 7
Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.
MA Open Enrollment Period
Jan 1 – Mar 31
One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.
Initial Enrollment Period
7-month window at 65
3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.
Your local agent
Talk to a licensed Medicare agent about Frederick, MD plans
Kayla Price is a licensed, independent agent who works with 7 carriers serving Frederick County — free, no pressure. We do not offer every plan available in your area.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.