Maryland Health Insurance
Maryland Health Insurance
www.insureme.com
Welcome to our Maryland health insurance quotes and information page. As health care costs continue to rise, finding an affordable health insurance policy with the right coverage becomes imperative. Enter InsureMe…we've been in business since 1993 helping consumers just like you find quality coverage at unbelievable prices. And, with just a little information, we can contact Maryland health insurance agents on your behalf, too.
Don't put it off…submit your information to InsureMe today, and rest easy—knowing you're in good hands!
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InsureMe Answers Your Questions about Maryland Health Insurance
"Why is health insurance so expensive?"
No one ever expects to need emergency or long-term medical care. But that is exactly what happens every day all over the U.S. Health care costs have risen sharply over the past few years, making it increasingly difficult for consumers like you to get the Maryland health insurance coverage needed.
There are several reasons for the increasing cost of health insurance. One is the rate at which the population in general is aging. More elderly people mean more health care costs.
Another is the increasing cost of medical technology. As this technology improves, so does cost. As a result, doctors and hospitals also raise their prices to cover the cost of using these technologies. In addition, as new, more expensive drugs are introduced, health insurance carriers must raise premiums to cover the additional costs incurred in prescribing these drugs.
"What are my options?"
Maryland residents are most commonly insured through a group plan sponsored by their employers. Unfortunately, those who are self-employed, between jobs or not covered by an employer find it difficult to find affordable Maryland health insurance quotes.
Maryland health insurance is generally offered through two types of plans: group and individual. Typically, an employer offers its employees health insurance through a group plan, whereas those purchasing health care plans on their own from an agent or company purchase an individual health plan.
"What questions should I ask when shopping for Maryland health insurance?"
It is important to choose the right Maryland health and medical insurance company to ensure your family's safety and well-being. Consider asking the following questions when analyzing health insurance companies and the policies they offer:
How long has the company been in business?
What is the company's complaint ratio?
How can I get in touch with the agent or company?
How do independent rating agencies rank the company?
Is the agent or company licensed?
"What determines my insurability?"
Maryland health insurance companies consider several factors when determining whether or not you are insurable. Some of these factors include your health, habits and lifestyle, and occupation.
The chances you will become ill increase with age, so the older you are when purchasing your Maryland health insurance plan, the higher your premium. Senior citizens may encounter particular difficulty finding a health insurance company willing to cover them.
Smoking, drinking and other habits can result in various health problems. This makes the chance of health insurance claims greater and can make it difficult to find affordable Maryland health insurance.
Quality Maryland health insurance may also be difficult to find if your occupation is considered dangerous or risky.
"Why would my application be rejected?"
Certain health conditions may cause your Maryland health insurance application to be rejected. Heart disease, cancer, diabetes, epilepsy, stroke, alcoholism and AIDS are among these maladies. The cost of insuring someone who has one of these conditions is typically much higher than for a healthy individual, so health insurance companies tend to shy away from insuring consumers with these conditions.
If you have one of these diseases and are searching for affordable Maryland health insurance coverage, talk to a licensed agent or company to determine if any state-funded programs exist which can provide you with health insurance.
"What if I leave my job and lose my health insurance?"
If you are leaving a Maryland group health insurance plan, you may have several options:
A medically-underwritten policy
This is the least expensive option, but requires you to have very good health to qualify.
Continuation coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA)
This would enable you to continue with your group coverage, but you would be responsible for the entire premium yourself.
An individual policy not requiring medical underwriting
The Maryland Health Insurance Plan (MHIP)
This plan is administered by the state and provides you coverage when you can't find other health insurance due to poor health or high claims risk.
Enrollment in your spouse's employer-provided health insurance plan
Still have questions?
Contact the Maryland Department of Insurance online at www.mdinsurance.state.md.us, or by phone at 800-735-2258, OR consult our health insurance FAQ section.
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