Due to increased medical costs, rising malpractice insurance rates, and increased longevity rates, health insurance premiums have doubled in the last few years. But you can still get a cheap rate on Maryland health insurance if you know how.
Government Health Insurance Programs
Marylandoffers a number of government sponsored health insurance programs. Depending on your level of eligibility, these programs are either very cheap or cost nothing at all. These programs include:
*Maryland’s Medical Assistance Program (Medicaid) for low-income families, children, pregnant women, women with breast or cervical cancer, the elderly, and people who are blind or disabled.
*Maryland’s Children’s Health Program (MCHP) for uninsured children under the age of 19 whose family’s income is less than 200% of the federal poverty level.
*Maryland’s Children’s Health Program Premium (MCHP) for uninsured children under the age of 19 whose family’s income is more than 200% but less than 300% of the federal poverty level.
*Maryland’s Primary Adult Care Program (PAC) for low-income individuals, 19 or older, who are not on Medicare and who don’t qualify for Medicaid.
*Maryland’s Family Planning Program for women who have lost their Medicaid coverage after being covered for a pregnancy under MCHP.
To find out if you’re eligible for any of these programs go to the Maryland Department of Health website – dhmh.state.md.us – click on “Health Care Programs,” then click on “Medicaid and Health Insurance Programs.”
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