Medicare Coverage for Diabetes in Maryland
| Medicare Part A Coverage | Yes — hospital and inpatient care |
|---|---|
| Medicare Part B Coverage | Yes — 80% after deductible |
| Medicare Part D Coverage | Yes — prescription drugs covered |
| Your Cost Share (Part B) | 20% after $240 deductible |
| Average Annual Medicare Cost (Diabetes) | $14,400 |
| Medicare Beneficiaries in Maryland | 1,060,000 |
Does Medicare Cover Diabetes in Maryland?
Yes — Medicare covers diabetes treatment in Maryland under both Part A (hospital/inpatient) and Part B (outpatient/physician services). The average annual Medicare cost for Diabetes is approximately $14,400, with Medicare paying 80% of approved charges after the Part B deductible ($240 in 2026).
What Medicare Covers for Diabetes in Maryland
- insulin
- blood glucose monitors
- test strips
- A1C tests
- foot exams
- eye exams
- kidney disease screenings
- diabetes self-management training
Your Out-of-Pocket Costs for Diabetes in Maryland
Under Original Medicare in Maryland, you pay 20% of all Part B-covered diabetes services after meeting the annual deductible ($240 in 2026). There is no out-of-pocket maximum under Original Medicare, which means costs can add up significantly for serious conditions. The average Maryland Medicare beneficiary with diabetes pays approximately $2,880/year in out-of-pocket costs under Original Medicare.
Cost Comparison: Original Medicare vs. Medicare Advantage for Diabetes in Maryland
| Coverage Type | Annual Out-of-Pocket (Estimated) | Out-of-Pocket Maximum | Prescription Coverage |
|---|---|---|---|
| Original Medicare (Parts A+B) | $2,880 | No limit | Separate Part D plan required |
| Original Medicare + Medigap Plan G | $960 + $1,872 Medigap premiums | Effectively capped | Separate Part D plan required |
| Medicare Advantage (avg in Maryland) | Varies by plan | Capped (varies) | Usually included |
Medicare Advantage Coverage for Diabetes in Maryland
Medicare Advantage plans in Maryland must cover all services that Original Medicare covers for diabetes, but may have different cost-sharing structures. With 28 MA plans available in Maryland, you can compare plans specifically for their diabetes coverage, including specialist networks, prior authorization requirements, and drug formularies. The average MA plan in Maryland is rated 4.0 stars by CMS.
Medicare Part D Coverage for Diabetes Medications in Maryland
Medicare Part D covers prescription drugs used to treat diabetes in Maryland. In 2026, the maximum out-of-pocket cap for Part D drugs is $2100/year — a significant protection for patients with high drug costs. Maryland has 22 standalone Part D plans available. Drug coverage varies by plan formulary, so compare plans at medicare.gov/plan-compare to find the best coverage for your specific medications.
Medicaid and Diabetes in Maryland
Maryland has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage. For dual-eligible individuals in Maryland with diabetes, Medicaid covers Medicare cost-sharing (premiums, deductibles, and copays), providing comprehensive coverage with minimal out-of-pocket costs.
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