Opciones de seguro médico de Maryland
Are you uninsured? There are a number of circumstances that may qualify you for free health insurance or a low-cost plan.
Learn about Medicaid, private health insurance (discounts available), Medicare, and dental insurance.
211 can answer health insurance questions. Dial 211 or search the database for local health insurance resources, such as a navigator who can provide free guidance for your situation.
Maryland Medicaid
Low-income families, children, pregnant women, and aged, blind, or disabled adults may qualify for Medicaid. Income qualifications change every year.
Children up to age 19 may qualify for additional benefits from the Maryland Children's Health Program.
Individuals who receive other types of public assistance are automatically offered Medicaid. These include:
- Supplemental Security Income
- Asistencia Temporal en Efectivo
- Foster Care
If you are not a U.S. citizen, Medicaid may be available during pregnancy and for four months after birth. It may also be available if you meet other requirements, like the 5-year rule.
Puede tener un seguro de salud privado y ser elegible para Medicaid.
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
La MCO cubre gastos de salud como:
- visitas al médico
- atención del embarazo
- medicamentos recetados
- servicios hospitalarios y de urgencias
Private Health Insurance
If you don’t qualify for Medicaid or children’s health insurance, individuals and families can apply for private health insurance. Financial help may be available.
While many states use the federal marketplace, Maryland has its own one-stop insurance marketplace, Maryland Health Connection, that handles private insurance, Medicaid, and the Maryland Children's Health Program enrollments.
What do they cover?
These plans cover preventive care and other essential health care, such as:
- Doctor visits
- Emergency care
- Hospitalizaciones
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- Atención pediátrica
- recetas
- Preventive and wellness management
- Rehabilitation
- Substance use disorder treatment
The private plans may have a deductible, coinsurance, and copayment.
Do I qualify for financial help for a private plan?
While financial help is available, the discount may be less than years past. The federal savings program is no longer in place for the Maryland marketplace insurance. Instead, Maryland is providing financial help through Maryland Premium Assistance.
You will no longer be eligible for financial help if your income is below 100% of the federal poverty level and you are not eligible for Medicaid due to your immigration status.
In those situations, the plans are still available, but at full cost.
You can get an estimate for how much these plans may cost.
How do I get help with Insurance enrollment?
If you have questions about Medicare or private insurance enrollment, free help is available in counties throughout Maryland. Navigators can answer questions in-person. They'll help you find the most savings and apply for insurance.
You can also talk to an insurance broker if you are purchasing a private policy.
How do I apply?
You can find a plan through Maryland Health Connection. Make sure you understand the costs and the coverage. Check to make sure your doctors are included in the plan you choose.
And if you need help, use the free counseling support.
Applying for Health Insurance and Medicaid
Whether you apply for Medicaid or a private health insurance plan in Maryland, all applications go through Maryland Health Connection. It's a one-stop shop.
Open Enrollment
Uninsured Marylanders can apply for coverage during open enrollment, which starts in November. Coverage starts on January 1 of the following year.
A veces hay períodos especiales de inscripción that allow you to apply for coverage at any time of year. In addition, you can enroll during a qualifying life event.
Special enrollment periods include:
- Dejar de ser elegible para Medicaid o MCHP
- Casarse o divorciarse
- Tener un hijo, adoptar un hijo o colocar a un hijo en adopción o en cuidado de crianza
- Mudanza a Maryland y algunas mudanzas dentro del estado
- Finaliza el período de cobertura COBRA
- Cambio de ciudadanía o estatus migratorio
- Encarcelamiento o liberación
- Cambio de estatus como indio americano/nativo de Alaska
- Quedar embarazada (Nota: tiene 90 días para inscribirse desde el momento en que se confirma el embarazo).
- Ganar o perder un dependiente
- Certain losses of other health coverage, like insurance through your job
- Enrolled in your parents’ plan, and you turn 26 years old
COBRA
If you left a job and had medical coverage through your employer, you may be able to temporarily keep your coverage after leaving your job.
La Ley de Reconciliación Presupuestaria Ómnibus Consolidada (COBRA) brinda cobertura por un período limitado si presenta la solicitud dentro de los 60 días de su último día de trabajo. Sin embargo, las tarifas pueden aumentar con respecto a lo que pagó mientras estaba empleado.
Beneficios de Medicare
If you are 65 years old or older, have a certain disability and are under age 65, or have End-Stage Renal Disease (ESRD), you may be eligible for Medicare.
La inscripción abierta ocurre en días específicos en el otoño de cada año.
Durante la inscripción abierta de Medicare, tiene la oportunidad de revisar su plan, comprar una nueva cobertura y asegurarse de que sus beneficios sean los mejores para el próximo año.
Learn more about Medicare options and costs.
SHIP Can Help You Find the best plan
If you need help finding the best program for your needs, contact a State Health Insurance Assistance Program (SHIP) counselor.
They can help you understand costs and coverage, compare options, enroll or change plans, and correct billing issues.
Hay consejeros capacitados y voluntarios disponibles para brindar asistencia gratuita en los condados de Maryland y la ciudad de Baltimore.
Encuentre recursos ahora
Encontrar recursos comunitarios Para alimentación, salud, vivienda y más en nuestra base de datos. Busque por código postal.
Seguro dental
While dental coverage is provided at no cost to children and pregnant women through Medicaid and MCHP, other uninsured individuals may need a separate dental plan from Maryland Health Connection.
Obtenga más información sobre las opciones de planes dentales from Maryland Health Connection. You can apply for benefits during open enrollment.
Free and low-cost dental clinic
If you end up without dental insurance, there are free and low-cost dental clinics throughout Maryland.
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explorar programas de asistencia
Obtenga información sobre los programas de beneficios y cómo conectarse con el apoyo.
Alimento
Comida gratis cerca de mí, despensas, SNAP, WIC, ahorros en comestibles
Utilidades
Programas de asistencia para facturas de electricidad, gas y agua
Alojamiento
Pagos de alquiler, prevención de desalojos, refugios para personas sin hogar
Impuestos
Free tax preparation help, software, tax credits
