メリーランド州の健康保険のオプション
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
- 一時的な現金援助
- 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.
民間の健康保険に加入し、メディケイドの資格を得ることができます。
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
MCO は次のような医療費をカバーします:
- 医師の診察
- 妊娠ケア
- 処方薬
- 病院と救急サービス
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
- 入院
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- 小児科医療
- 処方箋
- 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.
時々あります 特別入学期間 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:
- Medicaid または MCHP の対象外になる
- 結婚するか離婚するか
- 子供を持つこと、子供を養子にすること、養子縁組または里親に子供を預けること
- メリーランド州に引っ越し、一部は州内で引っ越し
- COBRAの補償期間が終了
- 市民権または在留資格の変更
- 投獄または釈放
- アメリカインディアン/アラスカ先住民としてのステータスの変更
- 妊娠中（注：妊娠が確認されてから90日以内に登録してください。）
- 被扶養者の獲得または喪失
- Certain losses of other health coverage, like insurance through your job
- Enrolled in your parents’ plan, and you turn 26 years old
コブラ
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.
Consolidated Omnibus Budget Reconciliation Act (COBRA) は、最終勤務日から 60 日以内に申請した場合、限られた期間の補償を提供します。ただし、在職中の給与よりも高くなる場合があります。
メディケア給付
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.
オープン入学は、毎年秋の特定の日に行われます。
メディケアのオープン登録期間中は、プランを確認し、新しい保険を購入して、来年の給付が最適なものであることを確認する機会があります。
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.
訓練を受けたボランティアのカウンセラーが、メリーランド州とボルチモア市の各郡で無料の支援を提供しています。
歯科保険
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.
デンタル プランのオプションの詳細 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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支援プログラムを検討する
特典プログラムとサポートへの接続方法について学習します。
ユーティリティ
電気、ガス、水道料金補助プログラム
税金
Free tax preparation help, software, tax credits
