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 statisticsabout 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:
Maryland Health Insurance Resources
Maryland Health Insurance High Risk PoolThe 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:
Maryland Insurance Providers
Aetna Health InsuranceAetna 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 InsuranceAssurant 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 InsuranceCeltic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Coventry Health Care Health InsuranceCoventry One offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.
Golden Rule Health InsuranceGolden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
John Alden Health InsuranceJohn 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 InsuranceToday, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health InsuranceToday, 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 InsuranceGolden 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 HygieneFind 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
500 W. South St.
Freeport, IL 61032
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