​Not every health plan is the same. Maybe you can’t remember the details about your plan – what it covers, what it doesn’t, or what your out-of-pocket costs may be. 

• First Steps to Get to K​now Your Health Plan
  
• Using Your Ins​urance Card​
  
• How to Read Your Sum​mary of Benefits and Coverage
  
• Understanding Cost Sharing: Wha​t You Pay​
  
• Choosing Your Providers: In Network and Out of Network
  
• Getting Medicine and Prescriptions Covered
  
• Staying Healthy Using Covered Preventive Care
  
• What to do in an Emergency​
  
• What Are Referrals and Prior Authorizations
  
• ​Using Benefits When You Have More Than One Health Plan
  
• How Life Changes Affect Your Health Plan
  
• How to File a Health Insurance Claim
  
• Health Plan Resources List
  
• Health Plan T​erms ​Gloss​ary​​

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.