马里兰州健康保险选项
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
- 临时现金援助
- 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.
您可以拥有私人健康保险并有资格享受 Medicaid。
Managed Care Organizations (MCO)
Most individuals enrolled in Medicaid receive care through a Managed Care Organization (MCO).
行动管制令涵盖的医疗费用包括：
- 医生就诊
- 孕期护理
- 处方药
- 医院和急救服务
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
- 住院
- Lab tests
- Maternity and newborn care
- Mental and behavioral health care
- 儿科护理
- 处方
- 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.
有时有 特殊招生时期 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:
- 失去医疗补助或 MCHP 的资格
- 结婚或离婚
- 生孩子、收养孩子或将孩子送去收养或寄养
- 搬到马里兰州，一些在州内搬家
- COBRA 覆盖期结束
- 公民身份或移民身份的变更
- 监禁或释放
- 美洲印第安人/阿拉斯加原住民身份的改变
- 怀孕（注意：从确认怀孕之日起，您有 90 天的时间可以参加。）
- 获得或失去依赖
- Certain losses of other health coverage, like insurance through your job
- Enrolled in your parents’ plan, and you turn 26 years old
眼镜蛇
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.
如果您在工作的最后一天后 60 天内申请，则综合综合预算调节法 (COBRA) 提供有限期限的保险。但是，费率可能会比您受雇期间支付的费用有所增加。
医疗保险福利
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.
公开招生发生在每年秋季的指定日期。
在 Medicare 公开注册期间，您有机会审查您的计划、购买新的承保范围并确保您的福利是来年的最佳福利。
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.
经过培训的志愿辅导员可以在马里兰州和巴尔的摩市的各县提供免费帮助。
牙科保险
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.
了解有关牙科计划选项的更多信息 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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您需要牙科护理吗？如果您需要牙科护理但没有保险，免费或低价的牙科诊所或许是一个不错的选择。代金券……
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处方
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实用工具
电费、煤气费和水费援助计划。
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探索援助计划
了解福利计划以及如何获得支持。
实用工具
电费、煤气费和水费援助计划
税收
Free tax preparation help, software, tax credits
