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Maryland Health Insurance
Health insurance nowadays comes in two principal categories: individual
Individual insurance caters to the needs of those who are self-employed,
or are working in a company that does not offer a health plan, or
who keep a family and want to get individual insurance for family
members. If you purchase an individual plan, you must pay a yearly
premium, and also a deductible for each insured dependent, up to
a base amount. If you buy a group policy instead, you have to pay
an annual premium, co-payments payable at each medical service,
and a deductible payable before insurance begins to pay your valid
In Maryland, insurers are free to reject your application for individual
health insurance if you have a health problem. With the exception
for HMOs, insurers may apply elimination riders to exclude any pre-existing
condition you may have. Insurers can also review your medical records
in the prior seven years for pre-existing conditions if you make
a claim in the first 24 months of coverage. Maryland considers pregnancy,
not genetic information a pre-existing condition. No credit is available
for continuous coverage for pre-existing conditions in individual
policies. No insurance can be cancelled due to illness.
If you qualify, you cannot be denied group health insurance in
Maryland because of a health problem. The law of the state especially
protects guardianships and dependent grandchildren by requiring
their inclusion in fully insured group plans. A new employer may
need a short waiting period before offering group coverage. New
insurers may check your medical records in the prior six months
before policy acceptance for pre-existing conditions, if you make
a claim in your first 12 months of coverage. Curbs exist on the
length of exclusion periods for any pre-existing conditions that
depend on the type of group plan. HMOs and small group health plans
cannot set exclusion periods. If you have had continuous coverage
of health insurance, you are entitled to credit for exclusion periods
from other types of health plans.
In Maryland, small businesses can neither be denied nor charged
more for group insurance due to the health of a group member. A
standard plan is the only policy that can be offered to these small
businesses that employ only two to 50 workers.
Maryland allows the self-employed to purchase small group coverage
in December of each year, during open enrollment. If you want to
buy at a different time of the year, you have to follow the rules
for individual health policies. You can get in touch with Maryland
Insurance Administration for regulations that govern associations
with group health insurance coverage.
Maryland Health Insurance Plan helps those with costly medical
problems and who have been denied individual health insurance. Some
programs in Maryland that provide assistance are Medicaid, Women’s
Breast and Cervical Cancer Program, and Maryland Children’s
It is never an easy job to select the right health insurance quotes.
You should do some homework before you make the final decision.
It is better to appoint professional health insurance agents and
brokers who can help you in this regard.
Health insurance providers in Maryland include Aetna, Assurant
Health (formerly Fortis),
CareFirst BlueCross BlueShield, Coventry Health Care, Golden Rule,
Guardian and Kaiser Permanente of the Mid-Atlantic.