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How to Find Affordable Health Insurance in the State of Maryland

Maryland Affordable Health InsuranceMaryland's health insurance assistance programs include Medicaid, Medicare Buy-In Program, Maryland Children's Health Insurance Program (CHIP), and Maryland Pharmacy Assistance Program. They are managed through the Maryland Department of Human Resources.

Medicaid is for low-income families with children under 19, people 65 and older, those who are blind or disabled, and pregnant women. Based on income guidelines, it pays for medical services for low-income families.

Medicare Buy-In Program offers two levels of benefits to low-income families to help pay for Medicare premiums and deductibles, the out-of-pocket medical expenses for which low-income families may need help. One level of benefits is for families whose income is at or below 100% of the Federal Poverty Level (FPL), and the other level for those whose incomes are from 100% to 200% of FPL.

Maryland's CHIP program is for children of low-income families offering full medical coverage for children 19 and below and pregnant women. Incomes have to be at or below 200% of FPL and families must have employers who currently offer no health insurance program.

The Maryland Pharmacy Assistance Program is for low-income residents who need help paying for prescription drugs and are not eligible for Medicaid. Co-pays are as little as $2.50 each for generic as well as some brand drugs. Children under 19 who are not eligible for CHIP may apply; incomes guidelines determine who is eligible.

Maryland Affordable Health Insurance Programs:
http://dhr.maryland.gov/fiaprograms/medical.php

Maryland Dept of Public Health:
http://dhmh.maryland.gov


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