Maryland


 

About Health Insurance in Maryland

In Maryland, the most reliable choices for health care are Aetna, Coventry, CareFirst Blue Cross Blue Shield, Kaiser Permanente, and UnitedHealth One. At East Coast Health Insurance, we connect you to these top companies, and find you the best plan possible for your budget.

Statistics

  • Total Population: 5,681,500
  • Total Uninsured Population:¬†749,700 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $2,338
  • Average State Premium for Individual Health Insurance: $219

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Maryland

East Coast Health Insurance simplifies the process of getting a quote. Start by entering your zip code above, or for extra assistance you can speak with one of our experts in Maryland to find your best options over the phone at 888-803-5917.

 

Maryland Health Insurance Market & Laws

Health insurance regulations in Maryland are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.

Pre-existing conditions are defined in Maryland as a condition you received treatment for or were diagnosed within 7 years prior to enrolling in health insurance. Exclusion periods, or time when the insurance company will not pay any expenses related to that condition, can last for up to two years.

It is also legal for insurers to attach an elimination rider to your plan for a pre-existing condition to permanently deny you coverage for that condition. Also, when you change insurance carriers, they are allowed to set their own exclusion period length, though it is limited by state law.

Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for the first 31 days after birth or adoption.

Insurance companies in Maryland are permitted by law to deny you health insurance or increase your premiums based on your age and health.

Coverage

For individuals who live in Maryland, health insurance is required to cover the following medical expenses by law:

  • Maternity care
  • Contraceptives
  • Treatment for clinical cancer trials
  • Hearing aids for children
  • Breast, cervical, and prostate cancer screenings
  • Mental health care for the same cost as other medical conditions

More information on laws regarding Maryland health insurance is available through the Maryland Insurance Administration site.

 

Sources:

1. Kaiser Family Foundation, “Maryland – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Maryland Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Maryland.html