Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable Maryland health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding Maryland health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in Maryland with the health of residents who live in other states.

This article will provide you with all the information needed about Maryland health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

Maryland Individual and Family Health Insurance
Individual and family health insurance plans in Maryland are not a guaranteed issue, but rather are medically underwritten. This means that Maryland health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. Maryland health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. Maryland health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.

Maryland Group Health Insurance
Maryland health insurance is designed for groups, or companies, with more than 2, but no more than 50, employees. Under Maryland health insurance regulations, part-time employees and those who live outside of the insurance service area may not be eligible for coverage under the group plan. Those employees who do qualify for coverage will be guaranteed Maryland health insurance under the group insurance plan, no matter what your current health condition. The company that issues the Maryland health insurance does not decide on a waiting period before the coverage takes effect. Instead, any waiting period is decided on by the employer. Some group plans will exclude benefits for medical conditions you were treated for within the last six months prior to when their coverage begins. But, if that happens, there are certain types of insurance that that will continue to provide health care benefits for conditions that you were treated for while you were covered under one of their plans.

Maryland COBRA Insurance
Maryland health insurance follows the federal guidelines for COBRA coverage. The COBRA plan is for companies with 20 or more employees. After leaving a job, a person can keep their group insurance through COBRA for up to 18 months if they qualify for COBRA. In addition, some eligible dependents can stay covered for 36 months, and disable people can receive benefits for 29 months. Maryland health insurance rules state that if your employer discontinues the group plan, then your COBRA coverage will end as well. But, there is additional Maryland health insurance coverage that is available through the Maryland Comprehensive Health Insurance Association (ACHIA) that is designed for people who have ended their COBRA coverage.

Maryland Health Information and Statistics
If you are in the market for quality Maryland health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Maryland ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Maryland are strong per capita public health funding, a low percentage of children in poverty, high immunization coverage, and ready access to primary care. Maryland also faces many challenges, such as a high incidence of infectious disease and a high violent crime rate.

According to a 2008 study, Maryland had some significant changes over the past year, including immunization coverage increasing by 15%. Over the past five years, the percentage of children living in poverty has grown by 53%. Since 1990, the rate of uninsured population has increased by 55% while the infant mortality rate has decreased by 39%.

Following is a variety of statistical data related to living in Maryland, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Maryland health insurance.

  • Prevalence of Smoking-10th
  • Prevalence of Obesity-25th
  • Violent Crime-42nd
  • Children in Poverty-5th
  • Air Pollution-38th
  • Cancer Deaths-31st
  • Lack of Health Insurance-25th
  • Prevalence of Binge Drinking-12th
  • Infant Mortality-31st
  • Infectious Disease-49th
  • Premature Death-27th

Overall Rank: 26
Change: +2