What to Expect from your Health Insurance Plan

​What ​to expect...

Did you know that your health insurance plan needs to meet network adequacy requirements?

So what does Network Adequacy mean? 

It means your health insurance network has enough doctors and soecialist with the necessary skills to provide the care you need.

Under the law, health plans must make sure you:

  • ​can find a medical or mental health provider who can treat you.
  • can get an appointment that’s reasonably close to your home or work. 
  • can get an appointment without a long wait time. 
  • can get in-person services if you do not or cannot use telehealth services. 
  • in addition to having an adequate network, your health plan's online  or paper directory needs to be correct and have up-to-date information  about doctors or other health care providers, including their locations  and how to contact them.   

Get free help with your health coverage! ​

The Maryland Insurance Administration has a Health Coverage Assistance Team (H-CAT) to assist consumers. If you have questions or concerns about health coverage for you or your loved ones, the H-CAT staff is here for you. 

The Health Coverage Assistance Team (H-CAT) ​can help you​​​​:
  • ​Get answers to your health insurance questions.
  • Address health insurance problems or concerns.
  • File a complaint about your health insurance issue or concern.
  • Connect you to resources.​​

Health Coverage Assistance Team 

Phone: 410-468-​2​442