메릴랜드 건강 보험 옵션
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
- 임시 현금 지원
- 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.
개인 건강 보험에 가입하고 Medicaid 자격이 될 수 있습니다.
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
MCO는 다음과 같은 건강 비용을 보장합니다.
- 의사 방문
- 임신 관리
- 처방약
- 병원 및 응급 서비스
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
- 입원
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- 소아과 진료
- 처방전
- 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.
때때로 있다 특별 등록 기간 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 또는 MCHP에 대한 자격이 없게 됨
- 결혼 또는 이혼
- 아이를 갖거나, 아이를 입양하거나, 아이를 입양시키거나 위탁 양육하는 것
- 메릴랜드로 이동 및 주 내 일부 이동
- COBRA 보장 기간 종료
- 시민권 또는 이민 신분의 변경
- 투옥 또는 석방
- 아메리칸 인디언/알래스카 원주민 신분 변경
- 임신(참고: 임신이 확인된 시점부터 90일 동안 등록해야 합니다.)
- 부양 가족을 얻거나 잃음
- Certain losses of other health coverage, like insurance through your job
- Enrolled in your parents’ plan, and you turn 26 years old
코브라
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.
COBRA(Consolidated Omnibus Budget Reconciliation Act)는 근무 마지막 날로부터 60일 이내에 신청하는 경우 제한된 기간 동안 보장을 제공합니다. 그러나 요율은 고용된 동안 지불한 금액에서 인상될 수 있습니다.
메디케어 혜택
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.
공개 등록은 매년 가을 특정 날짜에 이루어집니다.
Medicare 공개 등록 기간 동안 플랜을 검토하고, 새로운 보장을 구입하고, 귀하의 혜택이 다가오는 해에 가장 적합한지 확인할 수 있는 기회가 있습니다.
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.
메릴랜드와 볼티모어 시 전역의 카운티에서 무료 지원을 제공하기 위해 교육을 받은 자원 봉사 카운셀러가 있습니다.
치과 보험
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.
치과 플랜 옵션에 대해 자세히 알아보기 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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처방전
처방전을 채우는 데 도움이 필요한 경우 약물 비용을 낮출 수 있는 주 정부, 제약 회사 환자 지원 프로그램 및 지역 비영리 단체가 있습니다.
지원 프로그램 탐색
혜택 프로그램과 지원을 받는 방법에 대해 알아보세요.
유용
전기, 가스, 수도 요금 지원 프로그램.
구실
Free tax preparation help, software, tax credits
지원 프로그램 탐색
혜택 프로그램과 지원을 받는 방법에 대해 알아보세요.
유용
전기, 가스, 수도 요금 지원 프로그램
구실
Free tax preparation help, software, tax credits
