Maryland Health Insurance

Health Insurance Overview

Maryland residents have many options for health care coverage. There are numerous Maryland insurance providers to choose from, along with a variety of Maryland medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Maryland health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Maryland medical insurance from the best Maryland insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Maryland health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Maryland health insurance programs, and even details on some of the top Maryland insurance providers.

To compare specific Maryland medical insurance plans offered by the various Maryland insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Maryland health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Maryland health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Maryland? Find your state here.

Maryland Health Insurance Facts & Statistics

Total Maryland Residents – 5,681,500

Total Health Insurance Coverage In Maryland:
Employer – 59%
Individual – 5%
Medicaid – 11%
Medicare – 11%
Other Public – 1%
Uninsured – 13%

Average Individual Monthly Premiums – $219

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,080

Average adjusted hospital cost per inpatient day – $2,271

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Maryland Medical Insurance Laws, Regulations & Policies

There are several Maryland health insurance laws and regulations that are put in place to protect policyholders living in the state. Maryland insurance providers look at health history and pre-existing conditions before accepting applicants. If a resident is denied coverage, they can obtain health insurance from the state’s high risk pool, the Maryland Health Insurance Plan.

Individuals who recently left an employer’s group health plan are protected under the federal law HIPAA. Under HIPAA, Maryland insurance providers cannot require exclusion or waiting periods for coverage.

In the individual insurance market, all Maryland medical insurance plans are required by law to cover these services:

  • Care involved with clinical trials
  • Screening for breast, prostate, and cervical cancer
  • Care for pregnant women
  • Hearing aids for children
  • Contraceptives

Maryland insurance providers also must provide mental health conditions with equal coverage limits and maximums as physical conditions. Additionally, all health plans are guaranteed renewable, which means an insurance company cannot cancel a policyholder’s coverage if he or she gets sick or injured.

Maryland Health Insurance Resources

Maryland Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Maryland with existing medical conditions can get health insurance coverage through the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Maryland health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Maryland program pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium costs for Maryland residents range from $141 to $328. The out-of-pocket limit is set at $1,500 for a plan with a $1,500 deductible. Those eligible for the Maryland health insurance program will have health insurance benefits for prescription drugs, doctor and hospital visits, emergency services and more.

Individuals may apply for the Maryland plan if they are a United States’ citizen, have an existing medical condition, have been without health insurance for six months. For more information on the Maryland health insurance high risk pools visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Maryland Medical Insurance and Health Care Programs

The state of Maryland offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid (HealthChoice)
    Low-income and disabled residents of Maryland may have access to full health coverage through Medicaid. In Maryland, Medicaid benefits are typically provided through the mandatory managed care program, HealthChoice. Learn more about Maryland Medicaid and HealthChoice.
  • Maryland’s Children’s Health Program (MCHP)
    Low-income children who do not qualify for Medicaid can receive free health care coverage through MCHP. Children in higher-earning families may still qualify for MCHP coverage, but must pay a low monthly premium through the MCHP Premium Program. To learn more about this Maryland medical insurance program for children, visit the program website.
  • Maryland Primary Adult Care Program
    The Maryland Department of Health and Mental Hygiene provides this program in order to improve access to health care services for low-income residents. This program offers low-earning adults free primary care visits, such as routine doctor’s check-ups. Find out more about the program online.
  • Maryland Pharmacy Assistance Program
    The Pharmacy Assistance Program provides aid to qualified Maryland residents, regardless of age, who are ineligible for the Maryland Medical Assistance Program. This offers residents prescription drugs for as low as $1 per prescription. Learn more about the Pharmacy Assistance program here.
  • Maryland Breast and Cervical Cancer Program
    This program offers low-income women free mammograms and screening for cervical cancer. Women diagnosed with cancer through this program can receive full health insurance benefits through Medicaid. Learn more about this Maryland medical insurance program for women here.
  • Maryland Medicare
    Seniors can find Maryland health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Some residents of Maryland are eligible to receive the Federal Health Coverage Tax Credit, which helps pay for health insurance premiums. To find out if you’re eligible, visit the Internal Revenue Service (IRS) online. To get more information about Maryland health insurance programs, visit http://mmcp.dhmh.maryland.gov/SitePages/Home.aspx.

Maryland Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Coventry Health Care Health Insurance

Coventry One offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

United Health One Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

Important Contacts and Links

Maryland Insurance Administration and Department of Health and Mental Hygiene

Find the contact information for the Maryland health insurance administration and health departments at:

Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202-2272
Phone: (410) 468-2000
http://www.mdinsurance.state.md.us/sa/jsp/Mia.jsp