Opzioni di assicurazione sanitaria del 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
- Assistenza temporanea in denaro
- 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.
Puoi avere un'assicurazione sanitaria privata ed essere idoneo per Medicaid.
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
L'MCO copre le spese sanitarie quali:
- visite mediche
- assistenza alla gravidanza
- farmaci da prescrizione
- servizi ospedalieri e di emergenza
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
- Ricoveri
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- Assistenza pediatrica
- Prescrizioni
- 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 volte ci sono periodi di iscrizione speciali 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:
- Diventare non idoneo per Medicaid o MCHP
- Sposarsi o divorziare
- Avere un figlio, adottare un bambino o affidare un bambino in adozione o in affido
- Trasferirsi nel Maryland e alcuni spostamenti all'interno dello stato
- Il periodo di copertura COBRA termina
- Cambio di cittadinanza o stato di immigrazione
- Incarcerazione o rilascio
- Cambiamento di stato come indiano americano/nativo dell'Alaska
- Rimanere incinta (Nota: hai 90 giorni per iscriverti dal momento in cui la gravidanza è confermata.)
- Guadagnare o perdere un dipendente
- 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.
Il Consolidated Omnibus Budget Reconciliation Act (COBRA) fornisce copertura per un periodo limitato se si applica entro 60 giorni dall'ultimo giorno di lavoro. Tuttavia, le tariffe possono aumentare rispetto a quanto hai pagato mentre lavoravi.
Vantaggi dell'assistenza sanitaria
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.
L'iscrizione aperta avviene in giorni specifici in autunno di ogni anno.
Durante l'iscrizione aperta a Medicare, hai l'opportunità di rivedere il tuo piano, acquistare una nuova copertura e assicurarti che i tuoi benefici siano i migliori per il prossimo anno.
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.
Consulenti qualificati e volontari sono disponibili per fornire assistenza gratuita nelle contee del Maryland e della città di Baltimora.
Trova risorse ora
Trovare risorse della comunità per cibo, assistenza sanitaria, alloggio e altro ancora nel nostro database. Cerca per codice postale.
Assicurazione dentistica
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.
Scopri di più sulle opzioni del piano dentale 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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esplorare i programmi di assistenza
Scopri di più sui programmi di assistenza e su come contattare il supporto.
Cibo
Cibo gratis vicino a me, dispense, SNAP, WIC, risparmi sulla spesa
Utilità
Programmi di assistenza per le bollette di elettricità, gas e acqua
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Pagamenti di affitto, prevenzione degli sfratti, rifugi per senzatetto
Le tasse
Free tax preparation help, software, tax credits
