Medicare plans
for Salisbury
and turning 65
We do the comparing. You make the call.
From your first Medicare card to every fall plan review after it, we help Salisbury residents compare their options in plain English, at no cost to you.
Independent agency, not a government entity
- Licensed since 2011
- Free to you
- 25 organizations represented
- Help every year
- Lower Shore help by phone and video
We compare plans from the organizations we represent.
A real Maryland broker, not a call center
Salisbury sits at the head of the Wicomico River, about 106 miles from Baltimore and a short drive from the Delaware line. That geography shapes Medicare decisions here more than most people expect. Your main hospital is close to home, but many residents travel to Baltimore for specialists, and towns like Delmar sit right on the state border.
We are a Maryland agency based in Annapolis, licensed since 2011, and we help Lower Shore clients by phone and video. When you call, you reach our licensed team, and the same people help you again next fall.
See Salisbury health resourcesWe compare. You decide. And we are still here next year.
Our approach
Medicare and the coverage around it
Every month, more Salisbury residents reach 65, whether they are retiring from Perdue, the university, the hospital or a small business downtown. We help people in Salisbury, Fruitland, Delmar and across Wicomico County sort out the pieces:
Three simple steps
No cost, no pressure, and you pay the same premium whether you enroll on your own or with us.
Tell us about you
Share your doctors, prescriptions, pharmacy and budget in a short call or video chat. If you are turning 65, we map your enrollment dates too.
We line up the options
We compare plans from the organizations we represent, check networks for the providers you use, and explain the tradeoffs in plain English.
You choose, we stay
You pick the plan that fits. We help with the enrollment paperwork and check in every fall when plans change.
Medicare Supplement and Medicare Advantage, side by side
Most people in Wicomico County end up choosing between these two routes. Neither is right for everyone. Here is how they differ, so you can see which tradeoffs fit your life.
Original Medicare with a Supplement
- Doctor choice: see any doctor or hospital in the country that accepts Medicare, including specialists in Baltimore or Delaware, with no network.
- Costs: a higher monthly premium in exchange for low, predictable bills when you use care.
- Drugs: prescription coverage comes from a separate Part D plan you add.
Medicare Advantage
- Doctor choice: plans use networks, so the hospitals and doctors you use matter a great deal.
- Costs: often a lower monthly premium, with copays as you go and a yearly out of pocket limit.
- Drugs: most plans include Part D, and many add dental, vision or hearing benefits.
Questions people in Salisbury ask us first
What does hospital coverage cost?
Covers inpatient stays at hospitals like TidalHealth Peninsula Regional, plus limited skilled nursing and hospice care. Most people pay no premium. In 2026, the deductible is $1,736 per benefit period.
What about doctor visits?
Covers doctor visits, outpatient care, lab work and preventive services. In 2026, the standard monthly premium is $202.90 and the yearly deductible is $283. Higher incomes pay more.
When does my window open?
Your Initial Enrollment Period lasts seven months: the three months before your birthday month, that month, and the three after. Missing Part B without other qualifying coverage can add a lasting penalty.
Figures are for 2026 from Medicare.gov. Amounts change each year.
Medicare guides for the Lower Shore
Your Medicare timeline, step by step
Six steps from your first Medicare letter to a plan that fits, with the dates and penalties that matter most.
Read the guide → Plan choicesSupplement or Advantage on the Eastern Shore
Networks, travel to Baltimore and Delaware, costs and the rules for switching later.
Read the guide → PrescriptionsPart D and your pharmacy
The yearly drug cost cap, preferred pharmacies and how to avoid the late penalty.
Read the guide →Questions we hear from Salisbury
Do I have to drive to Annapolis to work with you?
No. Most of our Lower Shore clients work with us by phone and video, and we can mail or email anything you need to review. You can stay home in Salisbury and skip the trip across the Bay Bridge.
Does it cost anything to use a Medicare broker?
No. Our help is free to you. Insurance companies pay brokers, and the plan premium is the same whether you enroll on your own or with us.
Can you tell me whether TidalHealth is in a plan's network?
Yes. Network participation varies by plan and can change each year, so we check the specific plans you are considering for your hospital and doctors before you decide.
When should I start if I turn 65 next year?
Start about three months before your 65th birthday month. That is when your Initial Enrollment Period opens, and it gives you time to compare options without rushing.