There are several types of Health Insurance available from companies in Maryland that are NOT Major Medical Health Insurance. All include limited benefits, and the plans are not obligated to cover the health benefits required for Major Medical plans under federal law. These plans are called “Excepted Benefit” plans.
Excepted Benefit plans are not equal options to Major Medical plans, but they can pay some portion of individuals’ healthcare costs in situations where a Marylander:
It is important that Marylanders interested in these plans clearly understand what they are purchasing, and understand that these plans have fewer benefits and fewer consumer protections under the law than the plans sold by the MHC marketplace.
There are other types of Health Insurance coverage that are not ACA (Affordable Care Act) compliant that are available regardless of your legal status. Click on the topic below to learn more about the pros and cons of each Limited Benefit Health Insurance product:
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.
- 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.
Phone: 410-468-2442
SCAM WARNING!
The National Association of Insurance Commissioners (NAIC) and the Maryland Insurance Administration (MIA) are greatly concerned about misleading marketing by non-licensed entities that sell the products described in this document.
If you are looking for MAJOR MEDICAL HEALTH INSURANCE, please contact the Maryland Health Connection or one of the health insurance carriers directly. You can find the most up-to-date contact information for these entities here.
If you receive an unsolicited call regarding health insurance plans, consider ending the phone call immediately. If you must engage with the caller: get a name, phone number to call them back and contact the Maryland Insurance Administration immediately at 800-492-6116 to confirm that that caller has a license to sell health insurance in Maryland.
Before you contact an agent or broker selling STDI or Excepted Benefit policies, contact the Maryland Insurance Administration at 800-492-6116 to confirm the agent or broker is licensed to sell health insurance in Maryland.
Under no circumstances should you skip this step in your search for an STDI or Excepted Benefit product in Maryland. This one step can save you from hundreds or thousands of dollars by avoiding potential fraud, and save you time spent dealing with the consequences of interacting with a scammer.
