Awọn aṣayan Iṣeduro Ilera 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
- Iranlọwọ Owo Igba diẹ
- 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.
O le ni iṣeduro ilera aladani ati pe o yẹ fun Medikedi.
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
MCO naa bo awọn inawo ilera bii:
- dokita ọdọọdun
- itoju oyun
- oogun oogun
- ile-iwosan ati awọn iṣẹ pajawiri
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
- Awọn ile iwosan
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- Itọju ọmọde
- Awọn ilana oogun
- 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.
Nigba miran o wa pataki iforukọsilẹ akoko 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:
- Di aiyẹ fun Medikedi tabi MCHP
- Ngba iyawo tabi ikọsilẹ
- Nini ọmọ, gbigba ọmọ tabi gbigbe ọmọ fun isọdọmọ tabi ni abojuto abojuto
- Lilọ si Maryland, ati diẹ ninu awọn gbigbe laarin ipinlẹ naa
- Akoko agbegbe COBRA pari
- Iyipada ti ilu tabi ipo iṣiwa
- Imuduro tabi itusilẹ
- Yi ipo pada bi Ara ilu Amẹrika Amẹrika/Ibilẹ Alaska
- Ngba aboyun (Akiyesi: o ni awọn ọjọ 90 lati fi orukọ silẹ lati akoko ti oyun ti jẹrisi.)
- Ngba tabi padanu ti o gbẹkẹle
- 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.
Ofin Iṣatunṣe Isuna Omnibus Iṣọkan (COBRA) n pese agbegbe fun akoko to lopin ti o ba waye laarin awọn ọjọ 60 ti ọjọ iṣẹ ikẹhin rẹ. Sibẹsibẹ, awọn oṣuwọn le pọ si lati ohun ti o san nigba ti o ṣiṣẹ.
Awọn Anfani Eto ilera
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.
Iforukọsilẹ ṣiṣi n ṣẹlẹ ni awọn ọjọ pato ni isubu ni ọdun kọọkan.
Lakoko iforukọsilẹ ṣiṣii Eto ilera, o ni aye lati ṣe atunyẹwo ero rẹ, raja fun agbegbe tuntun ati rii daju pe awọn anfani rẹ jẹ eyiti o dara julọ fun ọdun ti n bọ.
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.
Awọn oludamọran ikẹkọ ati oluyọọda wa lati pese iranlọwọ ọfẹ ni awọn agbegbe jakejado Maryland ati Ilu Baltimore.
Wa Awọn orisun Bayi
Wa awujo oro fun ounje, itoju ilera, ile ati siwaju sii ninu wa database. Wa nipasẹ koodu ZIP.
Ehín Insurance
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.
Kọ ẹkọ diẹ sii nipa awọn aṣayan eto ehín 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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Ṣe o nilo itọju ehín? Awọn ile iwosan ehín ọfẹ ati iye owo kekere le jẹ aṣayan ti o ba nilo itọju ehín ati pe ko ni iṣeduro. Awọn iwe-ẹri…
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ṣawari awọn eto iranlọwọ
Kọ ẹkọ nipa awọn eto anfani ati bii o ṣe le sopọ pẹlu atilẹyin.
Awọn ohun elo
Itanna, gaasi, ati awọn eto iranlọwọ owo omi.
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ṣawari awọn eto iranlọwọ
Kọ ẹkọ nipa awọn eto anfani ati bii o ṣe le sopọ pẹlu atilẹyin.
Awọn ohun elo
Itanna, gaasi, ati awọn eto iranlọwọ owo omi
Awọn owo-ori
Free tax preparation help, software, tax credits
