Medicare Supplement (Medigap) Policies

Maryland requires insurers to offer at least one Medicare Supplement plan to adults under sixty-five afflicted with disability.

Mini-COBRA Policies (small group)

Maryland mandates small-employer coverage for eighteen months following separation.

Medicare Savings Program (premium support)

Maryland has three Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1214, the state pays all premiums for Part B and all Co-Pays and Deductibles for Medicare Parts A & B.
Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.
Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1639, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6600 or be part of a couple with assets below $9910.

High-Risk Pool
The Maryland Health Insurance Plan offer health insurance “of last resort” to Maryland residents on the basis of HIPAA, Medical and HCTC eligibility.
http://www.marylandhealthinsuranceplan.state.md.us/

State Health Insurance Assistance Program (SHIP)
The Maryland Department of Aging (MDoA) Senior Health Insurance Assistance Program (SHIP), part of the Maryland Department of Aging's Client and Community Services Division serve Maryland’s 24 jurisdictions (23 counties and Baltimore City). SHIP services originate at one of two points of entry: through MDoA's toll-free or local access telephone system, and may either be directly assisted by the SHIP Program Director or referred to the local SHIP.

Low-Income Subsidy (“extra-help”) for Prescription Drugs
This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Maryland in 2012, the low-income subsidy was $34.57 per month.

If you live in Maryland, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance. They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.