Maryland Health Insurance Plan (MHIP)

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Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you are guaranteed the right to buy an individual health insurance policy from the Maryland Health Insurance Plan (MHIP). Note:

• MHIP prohibits pre-existing condition exclusion periods
• MHIP is your only guaranteed access to individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Maryland, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does MHIP coverage cost?

MHIP premiums vary based on the plan chosen, and age of applicant. Maryland law limits premiums up to 135% of what a healthy person would pay for a similar plan sold by a private insurer.

MHIP Coverage Highlights

• Lifetime maximum of $2 million per person on covered benefits
• Available plans: PPO, EPO (Exclusive Provider Option), and HDHP (High Deductible Health Plan)
• PPO plan has annual deductibles from $500 to $1000; separate $100 or $250 deductible for prescription drugs
• EPO plan has no deductibles: instead, $20 - $70 co-pays for each covered service and prescription; a hospital, doctor, or other network provider must provide all non-emergency care
• HDHP has annual deductible of $2500 for all services and prescription drugs combined
• Benefits for all plans include hospital and physician care, prescriptions, maternity, mental health, etc.
• For more information, view the MHIP Options Summary

How can I get insurance from MHIP?

For enrollment information, visit the Maryland Health Insurance Plan online at www.marylandhealthinsuranceplan.state.md.us or call (866) 780-7105.

Special insurance for children: MCHP

A family of four making up to $41,000 a year may be eligible for MCHP.

• Do you qualify? View the Application
• Questions? Call (800) 456-8900