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Medical Insurance in Maryland: An Overview

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Medical Insurance in Maryland

Medical Insurance in Maryland

Introduction: The overall health insurance situation in Maryland is however not alarming; but not so satisfactory, too. According to a survey conducted by the Center for Disease Control, 13.2% of the total Maryland population was uninsured for Maryland health insurance.

Here, in this article, we have provided some useful information on Maryland health insurance that includes regulations for health insurance in the state of Maryland. The article also contains information about Maryland state health insurance alternative programs as well as a comprehensive list of Maryland health insurance organizations. Maryland residents can entirely depend on this article to know about the health insurance situation of their state.

Some Important Regulations for Maryland Medical Insurance

The state government of Maryland has introduced some rules and regulations to control the overall Maryland health insurance situation and to supervise the activities of different health insurance companies, active within the state of Maryland. The regulations are discussed, below:

  • All Maryland medical insurance plans should have a guaranteed provision for renewal. A guaranteed renewability provision lets the Maryland individuals renew their existing health insurance plan; provided, the individuals have paid all the premiums, in a timely manner and provided no fake information during the term of existing Maryland health insurance policy.
  • Some of the Maryland health insurance companies are allowed to impose a waiting period for pre-existing medical condition.
  • A pre-existing medical condition may be defined as an illness for which an individual was treated or otherwise diagnosed within 7 years, before commencement of a new Maryland health insurance plan.
  • As per state laws, Maryland individuals are not entitled to access coverage during the course of a pre-existing medical condition waiting period.
  • Maryland health insurance companies are not allowed to impose a pre-existing medical condition waiting period, for more than 2 years.
  • Some of the Maryland health insurance organizations are allowed to inflict elimination riders. Elimination riders restrict the right of an individual to access coverage for a pre-existing medical condition, even permanently.
  • However, according to state regulations, Maryland health maintenance organizations or HMOs are not entitled to impose a pre-existing medical condition waiting period or elimination riders.
  • Previous Maryland medical insurance plan can be credited towards new Maryland medical insurance plan for pre-existing health condition waiting period: if and only if, there is no record of breakage in coverage.
  • Maryland health insurance providers can refuse or reject an application from a Maryland individual, on basis of his or her health status and age.
  • According to Maryland state laws, there is no limit for individual Maryland medical insurance costs.
  • Maryland health insurance companies can not reject an application from an applicant who is seeking for coverage through an employer. They even can't be asked for pay more. They are entitled to enjoy unlimited coverage.
  • Individual Maryland health insurance policies that offer dependant coverage must cover newborns and adopted children under their parent's health insurance policies for minimum 31 days from birth or adoption, automatically. The policy should be adjusted accordingly, after the period is over.

Maryland Health Insurance Alternative Options

The state government of Maryland offers some health insurance alternative programs to let the residents of the state to avail the benefits of Maryland health insurance. However, the individuals should be otherwise considered as “uninsurable” or unable to afford the cost of individual Maryland health insurance. The alternative programs are as follows:

  • Maryland Medicaid: Maryland residents, who meet all the income as well as other health-related criteria, are entitled to access Maryland Medicaid.
  • MCHP or Maryland Children's Health Program: MCHP is especially created to help the children below and up to the age of 19. The children, whose families are not able to pay for Maryland health insurance or otherwise ineligible for Maryland Medicaid, are only allowed to avail this program. Pregnant women of all ages are also entitled for this program, as per state laws.
  • MHIP or Maryland Health Insurance Plan: This a high risk pool for Maryland health insurance. The program also offers open enrollment period. Maryland residents, who are otherwise considered as “uninsurable”, but meet other criteria, can take advantage of Maryland health insurance through MHIP or Maryland Health Insurance Plan.

Maryland Health Insurance Companies

The Maryland Health Care Commission has provided a complete list of top Maryland health insurance companies that are active within the state and offer small business Maryland health insurance policies. The list is provided, below:

  • Aetna Life Ins. Co.
  • CareFirst of MD, Inc.
  • CareFirst BlueChoice, Inc.
  • Graphic Arts Benefit Corporation
  • Coventry Health Care of Delaware, Inc.
  • Guardian Life Insurance Co. of America
  • Mid-West National Life Ins. Co. of Tennessee
  • MEGA Life & Health Ins. Co.
  • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
  • United HealthCare Ins. Co.

The Maryland Health Care Commission has also provided a comprehensive list of active Maryland health insurance companies that act as Health Maintenance Organizations or HMOs. The list is mentioned, below:

  • CIGNA HealthCare Mid-Atlantic, Inc.
  • Aetna Health Inc.
  • Coventry Health Care of Delaware, Inc.
  • CareFirst BlueChoice, Inc.
  • MD-Individual Practice Association Inc.
  • Optimum Choice, Inc.
  • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.

Maryland Insurance Administration and Maryland Health Care Commission

For further information on Maryland health insurance and Maryland health insurance policies, you can contact at any of the following addresses.

Maryland Insurance Administration

525 St. Paul Place
Baltimore, MD 21202-2272
Telephone No: 410-468-2000
1-800-492-6116 (Toll-free)

or,

Maryland Health Care Commission

4160 Patterson Avenue
Baltimore, MD 21215
General Information Number: 410-764-3460
1(877) 245-1762(Toll-free)
Fax: (410) 358-1236

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