MHIP - Maryland Health Insurance

MHIP - Maryland Health Insurance Plan

MHIP - Maryland Health Insurance Plan
If you've been declined health insurance from an insurance company, in Maryland you now have some protection so you don't have to go un-insured and you can get your current medications covered under this plan unlike others. (If you HAVE NOT BEEN DECLINED and are health click here for quotes).

You can download everything you need right here. And, if you earn a lower income (see chart in application) you may qualify for the MHIP+ program which is even more affordable. Any way you look at it as Maryland residents are afforded opportunities not available in other states.

MHIP application

Maryland Health Insurance Plan coverage overview & rates

This is your HIPAA option if you've used all available COBRA coverage and don't believe you'll qualify for other coverage. MHIP should be considered by those who take many prescription medications.

The earliest that this will start is the 1st of the following month, assuming you return all required applications and information to our offices prior to 14th of the current month. To qualify for MHIP you need to generally not be eligible for another health plan and be a resident of Maryland for 6 months. You can also submit the information for this plan and then apply for another less costly plan if you think you have a chance of qualifying. Please call our office for guidance and assistance.

If you are applying for MHIP+ turn in both applications at the same time. If you qualify they'll let you know.

You may be eligible for the Maryland Health Insurance Plan if you are a resident of Maryland and:

Are not eligible for group health coverage, COBRA, the Maryland Medical Assistance or Children's Health Programs, Medicare or any other government-sponsored health insurance program;

Have exhausted all available group coverage or moved into Maryland from another state's high-risk pool;

Have, or have been offered, health insurance that provides limited or restricted coverage, or that excludes coverage for a specific medical condition or conditions;

Are receiving a federal Trade Readjustment Allowance or unemployment benefits under the Trade Adjustment Assistance program, or receiving pension payments from the Pension Benefit Guaranty Corporation; or

Have been refused individual health insurance for medical reasons or have a specified medical condition.

Just call our office with any questions. The state pays us a one time fee if you let us process your application. It's not much, but we'll take it, however this in NO WAY affects what you pay. So, if you do buy the MHIP plan please process your application through us. We may be able to help you out in other areas as well. Once we get your application we check it for accuracy and do our best to make sure nothing is left out so your application isn't held up. After we send it to the state though, there's not much else we can do except answer questions as we can't follow up with the state to make inquiries, but we can let you know what you need to do.