Health Insurance Carriers in Maryland (MD)
Maryland health insurance carriers provide excellent plans and options. Below you will find a list of recommended carriers in Maryland, followed by basic information for the different types of coverage available. Review health regulations in Maryland and make an informed decision about the health care protection.
Health Insurance Providers in Maryland
Aetna
Assurant Health (Formerly Fortis)
CareFirst BlueCross BlueShield
Coventry Health Care
Golden Rule
Guardian
Kaiser Permanente of the Mid-Atlantic
Principal Life
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Group Health Insurance in Maryland
- Coverage cannot be denied due to a health problem if the applicant is are qualified.
- Life changes dealing with family and loss of a job can give provide opportunities for group coverage.
- Special protections are available for guardianships and dependent grandchildren.
- Employers may wait a brief period before offering coverage to new employers.
- Providers may review medical records for pre-existing conditions for the prior six months before policy acceptance, if a claim is made in the first year of coverage.
- There are varying limits on the length of exclusion periods for pre-existing conditions.
- HMOs and group providers may not set exclusion periods.
- If health insurance coverage is maintained continuously, creditable coverage is available.
Small Business Health Insurance in Maryland
- Small businesses may not be denied or charged more for group coverage due to the health of a member of the group.
- A standard plan is the only policy available to small businesses with fewer than 50 employees.
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Self-Employed Health Insurance in Maryland
- The self-employed can purchase group coverage every December during open enrollment.
- Only individual health policies may be applied for any other time of year.
- Premiums may not be based on health but premiums may be increased with age.
- Contact the Maryland Insurance Administration for laws applicable to associations with group health insurance coverage.
Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202
(410) 468-2000
www.mdinsurance.state.md.us
Individual Health Insurance in Maryland
- Coverage may be denied in the presence of a health problem.
- Except for HMOs, any pre-existing condition may be excluded from coverage by an elimination rider.
- Providers may review medical records in the seven years prior to coverage for pre-existing conditions based on any claim made in the first 24 months of coverage.
- Pregnancy is classified as a pre-existing condition; genetic information is not.
- There is no creditable coverage for pre-existing conditions.
- There are no limits on individual health premiums or the cost of policy renewals.
- Coverage may not be cancelled due to illness.
Maryland Health Care Programs
- Maryland Health Insurance Plan is the risk pool for those with expensive health problems and who can’t find coverage elsewhere.
- Medicaid, Women’s Breast and Cervical Cancer Program, Maryland Children’s Health Program provide assistance to low income individuals.
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