What’s A Girl To Do About Health Coverage In Maryland?

 

For many, the security blanket of insurance benefits that you’ve grown accustomed to through a traditional J-O-B is stripped away once you become self-employed, leaving you and your family uncovered.

This may not be an issue if you’re fortunate enough to have the option of being covered through your spouse's plan (assuming he’s not self-employed).

However, if that is not the case, you carry the responsibility of finding affordable health care for yourself and family.

If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage. This will keep you covered while you search for the best health insurance policy, but it can be quite expensive

Try contacting local professional organizations to see if membership benefits include “Group Rates” for the self-employed & small businesses.

A few starting points might be your local…

If you'll only need coverage for your children, you may want to look into the Maryland Children's Health Program (MCHP) via “Medicaid” which is a joint federal and state assistance program overseen in Maryland by the Medical Assistance Program of the Department of Health and Mental Hygiene.

Visit their website here http://www.dhmh.state.md.us for information on eligibility standards, benefits packages, etc.

It's vital that you have some form of health coverage for yourself and your family. Even a relatively minor accident or illness could  potentially spell financial disaster, and end up costing you thousands of dollars in out of pocket expenses. Yikes!

So be sure to do your homework, review your options and make an informed decision.

Peace of mind is priceless.

Here are some great resources to help you along the way:

  • Blue Cross Blue Shield (Maryland) - Offers plans for individuals & families.
  • Ehealthinsurance.com - eHealthInsurance offers the largest selection of Individual and Family health plans. Compare & Apply Online, Free instant quotes, Best prices, and Live help! 
  • Kaiser - Offers plans for individuals & families.

 

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