Maryland Health Insurance
As a resident of Maryland, you have plenty of Maryland health insurance options to choose from. There are multiple insurance companies in Maryland that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Maryland. See some of the state’s top health insurance companies and read about the important Maryland health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Maryland health insurance programs.
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If you would like to get free quotes and compare Maryland health insurance plans now, start with our simple form on the right.
Resources on this page
Maryland Health Insurance Companies
Maryland Health Insurance Laws and Regulations
Public Health Insurance Programs for Maryland Residents
Contact Info for the Maryland Insurance Administration and Department of Health and Mental Hygiene
The following list of companies offer health insurance plans in Maryland:
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company serves almost 50 million Americans, providing affordable and customized health insurance plans.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
CareFirst Health Insurance
CareFirst BCBS provides the trusted coverage expected from a Blue Cross Blue Shield insurer. They are also the largest health insurance provider in Maryland, the District of Columbia, and northern Virginia.
Golden Rule Platinum Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Maryland Health Insurance Laws and Regulations
Maryland health insurance companies 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 health insurance companies cannot require exclusion or waiting periods for coverage.
In the individual insurance market, all Maryland health insurance plans are required by law to cover these medical services:
- Care involved with clinical trials
- Screening for breast, prostate, and cervical cancer
- Care for pregnant women
- Hearing aids for children
- Contraceptives
Maryland health insurance companies also must provide mental health conditions with equal coverage limits and maximums as physical conditions.
Health plans are also guaranteed renewable, which means an insurance company can't cancel a policyholder's coverage if he or she gets sick or injured.
Maryland Public Health Insurance Programs
There are several public Maryland health insurance programs that help low-income residents get health insurance coverage. They include:
- Medicaid (HealthChoice)
Low-income and disabled residents of Maryland may have access to full health coverage through Medicaid. In Maryland, Medicaid benefits are typically provided through the mandatory managed care program, HealthChoice. Learn more about Maryland Medicaid and HealthChoice.
- Maryland's Children's Health Program (MCHP)
For low-income children who do not qualify for Medicaid, they can receive free health care coverage through MCHP. Children in higher-earning families may still qualify for MCHP coverage, but must pay a low monthly premium through the MCHP Premium Program. To learn more about this Maryland health insurance program for children, visit the program website.
- Maryland Primary Adult Care Program
This program offers low-earning adults free primary care visits, such as routine doctor's check-ups. Find out more about the program online.
- Maryland Pharmacy Assistance Program
Maryland also offers residents prescription drugs for as low as $1 per prescription. Learn more about the Pharmacy Assistance program here.
- Maryland Breast and Cervical Cancer Program
This program offers low-income women free mammograms and screening for cervical cancer. Women diagnosed with cancer through this program can receive full health insurance benefits through Medicaid. Learn more about this Maryland health insurance program for women here.
Some residents of Maryland are eligible to receive the Federal Health Coverage Tax Credit, which helps pay for health insurance premiums. To find out if you're eligible, visit the Internal Revenue Service (IRS) online.
To get more information about Maryland health insurance programs, visit http://dhmh.state.md.us/mma/.
Maryland Insurance Administration and Department of Health and Mental Hygiene
Find 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
http://www.mdinsurance.state.md.us/sa/jsp/Mia.jsp
Maryland Department of Health and Mental Hygiene
201 West Preston Street
Baltimore, MD 21201
Phone: (410) 767-6860
http://www.dhmh.state.md.us/
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