We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Maryland and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new MD Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Maryland and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
Maryland State Health Insurance Laws
It is important to understand Maryland health insurance regulations before applying for a new policy. Maryland does not require insurance companies to accept your application if you have a pre-existing medical condition. Insurance companies have the ability to attach an elimination rider to your medical policy specific to the pre-existing condition. In addition, there is no limit on the monthly premiums that Maryland health carriers can charge. No Maryland Insurance Company can cancel you after become sick, assuming all insurance premiums are paid to date. Let us help you get a
Maryland Health Insurance Plan (MHIP) is Maryland’s high risk pool for individuals that have been declined coverage by private insurance companies. Residents of Maryland must qualify for an MHIP policy. MHIP provides 4 options for health insurance policies. Maryland Children’s Health Program originated in 1998 with the intent of providing medical care to low income children and pregnant women of all ages.
Like many other residents of Maryland, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Maryland Residents to continue getting their Maryland Group Health Insurance even if they are not employed by their employer anymore. Maryland COBRA Health Insurance is similar to most other states in the fact it only lasts for 18 months, in most instances.
Many Maryland residents are in college and find themselves paying a lot for Maryland Student Health Insurance; this does not have to be the case. It does not matter if you go to The University of Maryland, Johns Hopkins University, St. Johns University or any other college, we can help you find an affordable Maryland Health Insurance policy. There are certain requirements Maryland has for its student health insurance policies, but for the most case MD Student Health Insurance is very affordable. To get a quote just click here!
Maryland Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Maryland Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Maryland Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Maryland Health Insurance Companies
Blue Cross Blue Shield of Maryland – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Maryland insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Maryland is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Maryland. Not only does Humana offer Health insurance in Maryland, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Maryland!
