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Population: 5,615,727
(Source: U.S. Census Bureau)
Uninsured: 755,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Maryland health insurance policies. To verify our registration with the Maryland Office of Insurance, call 1-800-492-6116. |
Maryland has the 3rd highest number of uninsured in the U.S.
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Health Insurance News in Maryland
Buying Individual Insurance Policies in Maryland
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Maryland:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Alzheimer's
- Autism
- Blood Products
- Bone Mass Measurements
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Chlamydia
- Cleft Palate
- Clinical Trials
- Colorectal Cancer Screening
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Drug Abuse Treatment
- Hair Prostheses
- Hearing Aid
- Home Health Care
- Hospice Care
- In Vitro Fertilization
- Long Term Care
- Mammogram
- Mastectomy Stay
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Newborn Hearing Screening
- Off-Label Drug Use
- Orthotics/Prosthetics
- PKU/Formula
- Prostate Cancer Screening
- Second Surgical Opinion
- TMJ Disorders
- Well-Child Care
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- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Bone Marrow Transplants
- Cancer Medications
- Chemotherapy
- Congenital Bleeding Disorders
- Early Intervention Services
- Emergency Services
- Habilitative Services
- HPV Vaccine
- Kidney Disease
- Lyme Disease
- Mastectomy
- Minimum Hysterectomy Stay
- Neurodevelopment Therapy
- Newborn Sickle-Cell Testing
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Grandchildren
- Handicapped Dependents
- Newborns
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- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Optometrists
- Physical Therapists
- Physician Assistants
- Podiatrists
- Psychologists
- Public or Other Facilities
- Social Workers
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- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Naturopaths
- Nurses
- Occupational Therapists
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Professional Counselors
- Psychiatric Nurse
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Maryland.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Maryland residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Maryland.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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