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Welcome to Maryland Health Insurance Plans by RxMom.com. We offer health insurance plan quotes and service to individuals, families and small businesses in Maryland. We are located in Ellicott City Maryland and are very familiar with the specific needs of our clients and challenges that most individuals and businesses are faced with when deciding on a suitable health plan.
Our website features cutting edge technology optimized for safety and ease of use, to make your search for the best plan as painless as possible.
Considerations When you are looking for an individual or family Maryland Health Plan
-Prescription Plans Some plans have prescription plans that only cover generic drugs while most do cover preferred brands. Most individual plans have a seperate deductible for the prescription plan. Please see the outline of benefits to compare.
-Doctor Networks Check and see if your doctor is included. Typically PPO (Preferred Provider Organization) plans provide the most freedom of choice and greater flexibility as compare to HMO (Health Maintenance Organization) . Traditional Plans or Indemnity plans do not have network restrictions.
-Preventative Care Packages If you can opt for a plan that includes a preventative plan without having to first meet a deductible. Preventative Care usually includes Annual Physical, OB/GYN Exams, Mammograms, PSA screening and well child care.
-Dental and Vision are pretty important but do not allow these to disproportionately affect your Major Medical plan decision. If need be get them separately and focus on a health plan that is solid and that meets your needs.
VALUE NOT PRICE Be diligent, compare plans and comb through the outlines of coverage. My little rule is that the better insurance companies have simple and easy to understand plans as opposed to those that present you volumes of literature and very little coverage.
REGIONS
MARYLAND PLANS
Care First Blue Cross Blue Shield offers very comprehensive and competitively priced plans. The majority of the Plans include the important preventative package. (HMO & PPO) Blue Cross Blue Shield boasts the biggest PPO network in the DC metro area. Do Consider the Blue Preferred Plan. The Blue Choice Saver plan offers great outpatient benefits at an affordable price . At the writting of this article, both the Blue Choice and BlueChoice Saver Plans in Maryland offer maternity benefits without addition premium.
Kaiser Permanente (HMO) offer very inclusive and competitive plans in this area too. This company’s plans almost always include maternity for no extra cost. This is indeed a popular company in this state.
Golden Rule (United Healthcare) also offers Health Plans in Maryland. These plans are very competitive and the Network is large. Great PPO and HSA plans offered.
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DC
Care First Blue Cross Blue Shield probably offers the most coverage for the best price in DC. The savings are pretty substantial. Kaiser Permanente also offers very competitive plans in DC. Aetna also offers great plans for individuals and families in Washington DC but only Kaiser and CareFirst offer maternity coverage. United Health One (Also known as Golden Rule Insurance) plans are available to DC residents too at competitive rates but be sure to compare against CareFirst BlueCross Blue Shield . CareFirst Blue Cross Blue shield is offering instant insurance plan appoval but , obviously, it is not guaranteed that all applicants will be instantly approved, but based on health history and other underwriting criteria the decision is made whether one’s case is an instant approval or subject to further underwriting. All in all the new underwriting process is alot faster and smoother.
While Assurant Health Insurance does also offer Health insurance in the District of Columbia, we only recommend it for short term or temporary insurance, and even then getting a CareFirst Blue Cross Plan even for a short time may be the better way to go.
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NORTHERN VIRGINIA PLANS
Care First Blue Cross Blue Shield and Anthem Blue Cross Blue Shield both serve Northern Virginia but their territories do not overlap. They both offer very comprehensive and competitively priced plans. Most Plans include a nice preventative package – Contact your broker to determine which side of the fence you are on. (HMO & PPO) Blue Cross Blue Shield boasts the biggest PPO network in the DC metro area.
Aetna offers great health and Dental Insurance Quotes for Virginia Residents at reasonable rates, almost comparable to Anthem Blue Cross Blue Shield .
Humana has made quite an emergence in the commonwealth of Virginia by offering very competitive Health Insurance plans for Families and Individuals. We recommend the plas without prescription deductible. Dental plans are optionally offered with the health plans for families and individuals in Virginia
Kaiser Permanente (HMO) offer very inclusive and competitive plans in this area too. This company’s plans almost always include maternity for no extra cost. This plans areonly available to Virginia residents residing in or adjecent to Northern Virginia due to network and service area issues. Kaiser Permanente is one of the few companies that actually offer maternity covarege in Virginia.
Golden Rule (United Healthcare) also offers Health Plans in some Northern VA zip codes. Great PPO and HSA plans offered.
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Tips
-Blue Cross Blue Shield Families may realize substantial savings by submitting separate applications for each individual as opposed to a family application. The savings seem to be greatest for a two parent (adult)-one child family especially when there is a notable age difference between the parents (adult)
-Blue Cross will accept domestic partner family applications.(GLBT)
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