Maryland Medicare Plans & Maryland Health Insurance Plans

Maryland Health Insurance Plans
There are a wide variety of Maryland Medicare Plans for people aged 65 years and older, or for people with disabilities younger than 65. There are also Maryland Health Insurance Plans for people under age 65. The total population of Maryland (PA) is 5.9 million people. For the years 2011/2012, health insurance coverage for Maryland residents included:

  • 57% have employer insurance vs. 48% of people in the U.S.
  • 5% have Individual insurance vs. 5% of people in the U.S
  • 13% are uninsured vs. 15% of people in the U.S
  • 12% are on Medicare vs. 14% of people in the U.S
  • 12% are on Medicaid vs. 16% of people in the U.S

Maryland Medicare Plans: Maryland Medicare Advantage Plans
Maryland Medicare Plans: Maryland Medicare Prescription Drug Plans
Maryland Medicare Plans: Maryland Medicare Supplement Plans
Maryland Individual Comprehensive Major Medical Plans (Obamacare Plans)
Maryland Short Term Insurance
Maryland Dental Insurance Plans
Maryland Supplemental Insurance
Maryland Long-Term Care
Health Care Reform
Additional Resources

 

Maryland Medicare Plans

Maryland Medicare Plans: Maryland Medicare Advantage Plans

The alternative to using the Original Medicare is to enroll in one of Maryland’s Medicare Advantage Plans. These plans are offered by private insurance companies. They cover all services as provided by the Original Medicare program. Plans typically include a Medicare Prescription Drug Plan and extra services such as gym membership, wellness programs as well as dental, hearing and vision services.

There are several types of Medicare Advantage plans available. These include HMO, PPO, PFFS, MSA and SNP. All plans are available within the state of Maryland. Below is the list of Maryland Medicare Advantage providers represented by Liberty Medicare:

Maryland Medicare Plans: Maryland Medicare Prescription Drug Plans

If you are covered by the Original Medicare in Maryland, you should enroll in one of the stand-alone Medicare Prescription Drug Plans (PDPs). The enrollment is optional. However, there is a penalty charged for delayed enrollment, making enrollment a practical necessity. PDP’s are run by private companies that cover both generic and brand name drugs. Most of these are well known companies that conduct business across most of the United States.

Below is the list of Medicare Prescription Drug providers in Maryland represented by Liberty Medicare:

State Pharmaceutical Assistance Programs (SPAPs)

Maryland has the following SPAP: Maryland Senior Prescription Drug Assistance Program (SPDAP). This program help to pay for prescription drugs based on financial need, age, or medical condition.

Maryland Medicare Plans: Maryland Medicare Supplement Plans

Original Medicare does not cover all of your medical expenses. Medicare Supplement Plans (Medigap Plans) provide protection against Original Medicare out-of-pocket costs. The costs include deductibles, co-payments, coinsurances and excess charges. Your Medicare health costs may be very significant without such plans. Plans are sold by private insurance companies licensed in Maryland.

Maryland Medicare Supplement Plans describe Maryland specific Medigap regulations, and provide a Liberty Medicare list of Maryland Medigap carriers.

Maryland Individual Comprehensive Major Medical Plans (Obamacare Plans)

Obamacare Plans refer to health plans that are compliant with Patient Protection and the Affordable Care Act (PPACA). These plans are known as Qualified Health Plans (QHPs). They must include Essential Health Benefits and provide all Obamacare Benefits and Protections. The plans may be sold through Health Insurance Marketplaces, also known as Exchanges, as well as directly through insurance vendors.

Maryland Health Insurance Marketplace describes the specifics of Maryland Exchange, and provide a Liberty Medicare list of insurance companies offering Maryland Obamacare plans.

Maryland Short Term Medical Insurance

Maryland Short Term Medical (STM) Insurance provides health insurance for individuals and families in times of transition. STM insurance covers the need for temporary medical coverage. It is an alternative to Obamacare plans whenever those plans are either unavailable (i.e. fall outside of Annual Enrollment Period) or unaffordable.

Below is the list of Maryland Short Term Medical Insurance providers represented by Liberty Medicare:

Maryland Dental Insurance Plans

Dental Insurance Plans in Maryland are available for people under 65 as well as for people over 65. There are three types of Dental Insurance available. These include:

  • Indemnity Dental Insurance. With this dental insurance you may choose your own dentist, as there are no network requirements.
  • PPO Dental Insurance. This dental plan operates through a network of preferred doctors whose services are based on discount fees. Fees are higher for patients who visit doctors outside of the network.
  • Dental Discount Plans. These plans are not a dental insurance. Rather, they are an agreement by the participating doctors to offer discount prices for the majority of dental work.

All of the above dental insurance plans are available in Maryland. See Liberty Medicare list of Dental & Vision Insurance Providers.

Maryland Supplemental Insurance

Maryland supplemental insurance plans, such as Hospital Indemnity plans, Recovery Care plans and Critical Illness plans, are Indemnity Health Plans. They allow you to visit any health provider without health network limitations. Such plans pay you the specified cash amount for each covered service, regardless of what the provider charges you.

A variety of Supplemental Plans are available in Maryland. See Liberty Medicare list of Individual Supplemental Insurance Providers.

Maryland Long-Term Care

Long-Term Care (LTC) includes assistance, support and services provided over an extended period in order to meet medical, personal, and social needs for people who are unable fully support themselves. It includes medical and non-medical care. LTC is provided in a variety of settings such as in an individual home, in the community sites, in an assisted living facility, or in a skilled nursing facility.

Many Long-Term Insurance Plans are available in Maryland. See Liberty Medicare list of Long-Term Care Providers.

Health Care Reform

How the Health Care Law is Making a Difference for the People of Maryland

Additional Resources

Maryland Department of Human Resources
Maryland Medical Assistance
Maryland Resources for Senior Citizens

Let Liberty Medicare Help you to Select one of the Maryland Medicare Plans / Maryland Health Insurance Plans

Liberty Medicare is here to help you through the entire process of selecting and enrolling in the best, most suitable Maryland Health Plan (Medicare Plan or Individual Health Insurance Plan) for you.

All of our many services are offered to you at no cost. We’ll help you to compare key attributes of the Maryland Health Plans in your area, such as:

  • Benefits
  • Cost
  • Doctor access and network limitations
  • Medical Underwriting (if applicable)
  • Plan quality

Liberty Medicare represents many well-known Medicare and Individual Health providers in Maryland. Learn more about all benefits of working with Liberty Medicare.

If you are looking for Maryland Health insurance, let us guide you. To view real quotes from insurance providers, please fill out the Medicare Quotes or Individual Health Quotes form. Alternatively, you may give us a call at 877-657-7477, and you will be connected to a licensed agent/broker.