Business Details
15 Years
experience
Your Trusted Medicare Insurance Advisor in Maryland
Since 2011, Maryland Medicare Options has specialized in providing expert Medicare insurance guidance to seniors across Maryland. Our independent broker focuses exclusively on Medicare, offering unbiased comparisons of Supplement, Advantage, and Prescription Drug Plans to help clients find the best coverage at the lowest cost. We handle all application paperwork, ensure compliance with Medicare guidelines, and maintain secure document storage for at least 10 years.With over 80 hours of annual training and certifications in multiple states, we stay current with annual plan changes to provide accurate, year-round coverage adjustments. Our local Annapolis-based team offers in-person meetings and leverages deep knowledge of Maryland-specific rules, doctor networks, and deadlines to simplify the complex Medicare enrollment process.
Services
Medicare Supplement Plans
Medicare Advantage Plans
Prescription Drug Plans
Senior Dental Plans
Medicare Enrollment Assistance
Details
- Year established: 2011
Highlights and features
- We specialize exclusively in Medicare insurance with 14+ years of focused experience
- We handle all application paperwork and ensure Medicare guideline compliance
- We maintain 80+ hours of annual training for up-to-date plan knowledge
- We offer in-person meetings and local Maryland market expertise
- We provide free services with no broker fees or inflated premiums
Associations and certifications
- HIPAA compliant
- America's Health Insurance Plans (AHIP) certified
What people say
Expert guidance
Personalized service
Simplified Medicare enrollment
Knowledgeable broker
Affordable coverage
Services
Medicare Supplement Plans
Medicare Supplement Plans cover out-of-pocket costs not paid by Original Medicare. These plans require health questions during enrollment but offer guaranteed approval during initial eligibility periods. We help clients compare F, G, N, and High Deductible options to find coverage matching their healthcare needs and budget while explaining enrollment rules and medical underwriting requirements.
Medicare Advantage Plans
Medicare Advantage Plans serve as alternatives to Supplement Insurance with HMO, PPO, and Special Needs Plan options. We guide clients through county-specific networks of doctors and pharmacies while explaining additional benefits like dental, vision, and transportation services. Our expertise includes comparing plan benefits, network restrictions, and enrollment requirements across multiple carrier options.
Prescription Drug Plans
Prescription Drug Plans provide Medicare-compliant pharmacy coverage with penalty-free enrollment options. We help clients evaluate statewide plans even if they don't currently take medications, ensuring compliance with Part D requirements while minimizing costs. Our service includes comparing formularies, coverage gaps, and premium costs across available carriers.
Senior Dental Plans
Senior Dental Plans offer affordable dental coverage as supplemental benefits for Medicare recipients. We provide access to discounted dental services and insurance options while explaining how these plans coordinate with existing Medicare coverage. Our guidance includes comparing network dentists, procedure coverage, and premium costs across available plans.
Medicare Enrollment
Medicare Enrollment services include handling all application paperwork and ensuring timely submission to carriers. We specialize in navigating initial enrollment periods, special enrollment qualifications, and annual open enrollment changes while maintaining HIPAA-compliant document storage. Our process eliminates research burdens and sales pressure through personalized plan comparisons.
People
Peter Palmiotto
Licensed Insurance Broker
Peter Palmiotto has specialized in Medicare insurance since 2011, holding Life & Health licenses in multiple states. He maintains 80+ hours of annual training through AHIP certification and follows strict HIPAA guidelines for client data protection. His expertise covers all Medicare plan types across Maryland.
Questions
Is there a fee for your services?
No. We receive compensation from insurance carriers, so you pay the same published rates without additional fees.
What do I need before we work together?
You need Medicare eligibility or pending eligibility. We'll require your Medicare number and signature for applications.
Can this all be done remotely?
Yes. We handle everything online through eSignatures and phone consultations while offering optional in-person meetings.
How do you stay updated on Medicare changes?
We complete 80+ hours of annual training and recertify with carriers and AHIP to maintain current plan knowledge.
What licenses do you hold?
We hold Life & Health licenses in MD, DE, VA, PA, FL, CA, AZ, and TX with annual AHIP certification and E&O insurance.
