Maryland Family Health Insurance

Maryland Health Insurance Information

- Family or Individual -

(HMO, PPO, POS or Major Medical Coverage)

Individual or family health insurance can provide the
important protection needed in the event of illness and
for regular preventive care. Using the strength and
experience of our health insurance markets, Upper
Chesapeake Insurance Agency can offer affordable
HMO, PPO, POS, and Major Medical Health Insurance
policy coverages in greater Baltimore and throughout
Maryland.

Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than
plans that limit choices. Individual and family health
insurance plans that help to manage the care you
receive, such as PPO and POS plans, usually cost you
less, but you must give up some freedom of choice.

Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
Maryland by clicking on a link below or click on the link
for information on Major Medical health insurance.

Click on one of the links below to obtain pricing or
apply for coverage. You can also speak to one of
our Maryland Health Insurance agent specialists at
410-385-0455 to discuss the policy features.

We are a Baltimore, MD full service insurance agency, offering affordable
Maryland health insurance policy premiums to individuals and families
located in the following neighborhoods, cities and counties: Federal Hill,
Locust Point, Canton, Fells Point, Bolton Hill, Butchers Hill, Dundalk,
Essex, Baltimore Highlands, Lansdowne, Middle River, Rosedale,
Arundel Village, Brooklyn Park, Kenwood, Eastpoint, North Point,
Chesaco Park, Rossville, Halethorpe, Elkridge, Linthicum, Glen Burnie,
Rippling Ridge, Garland, Ferndale, Woodlawn Heights, South Gate,
Severn, Catonsville, Shipley, Arbutus, West Edmondale, High Point,
Riviera Beach, Green Haven, Orchard Beach, Lipins Corner, Ellicott City,
Lochearn, Brighton, Woodmoor, Rockdale, Lynne Acres, Pikesville,
Randallstown, Owings Mills, Garrison, Towson, Mays Chapel, Overlea,
Parkville, Carney, Perry Hall, Elmwood, Edgemere, North Point Village,
Rodgers Forge, Ruxton, Linhigh, Fullerton, Putty Hill, Baynesville,
Lutherville-Timonium, Annapolis, Columbia, Hampton, Providence,
Montgomery County, Carroll County, Prince Georges County, Howard
County, Anne Arundel County, Harford County, and Baltimore County,
MD. We also offer Maryland health insurance coverage services
throughout the Old Line State.

HMO Health Insurance Policy Features - Maryland

* Preventive care emphasis

* Primary care physician (PCP) coordinates your total care

* Must get a referral from your PCP to visit a specialist

* Fixed monthly fee

HMO Health Insurance Policy Overview - Maryland

Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. You choose a primary care physician
(PCP) from a list of participating doctors from where you live in Maryland.
That doctor is used for typical circumstances such as annual exams and
usual health issues. If you need to see a specialist, be hospitalized, or
have lab or X-ray work, your doctor will refer you to a provider or facility
within the HMO system. Your doctor must give authorization for those
services to be covered by your HMO. In other words, you must see HMO
approved physicians and use HMO approved facilities or pay the entire
cost of the visit yourself.

Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers and
give their policyholders a financial incentive to stay within that network.

You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Maryland HMO health maintenance plan.

Click on one of the links below to obtain pricing or apply for coverage. You
can also speak to one of our Maryland Health Insurance agent specialists
at 410-385-0455 to discuss the features.

PPO Health Insurance Policy Features - Maryland

* Convenient access to quality health care

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

* Pay for services as they are provided

PPO Health Insurance Policy Overview - Maryland

You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.

Click on one of the links below to obtain pricing or apply for coverage. You
can also speak to one of our Maryland Health Insurance agent specialists
at 410-385-0455 to discuss the features.

POS Health Insurance Policy Features - Maryland

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Health Insurance Policy Overview - Maryland

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by
the insurance. Care you receive from out-of-plan health care professionals
is reimbursed, but you must pay an often times much higher co-payment
or deductible amount. While you may choose to see a physician outside
the network, if you don't receive permission from your (PCP) primary care
physician, you're likely to end up submitting the bills yourself and receiving
only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered
by the policy.

Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a
Maryland POS health insurance plan.

Click on one of the links below to obtain pricing or apply for coverage.
You can also speak to one of our Maryland Health Insurance agent
specialists at 410-385-0455 to discuss the features.

Fee-for-Service or Major Medical Health Insurance Policy

(Family or Individual in Maryland)

Major medical health insurance provides benefits up to a high limit for most
types of medical expenses incurred, subject to a deductible. Once you
meet the deductible, our Maryland Major Medical Insurance plans pay a
percentage of what is considered the "Usual and Customary" charge for
covered services. The insurance company generally pays 80% of the Usual
and Customary costs and you pay the other 20%, which is known as co-
insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the
difference.

With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible
such as $250 or more to pay each year before the insurer starts paying.
The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.

Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care plans, such as HMO, PPO, and POS.
Major Medical Insurance may not pay for some preventive care, such as
check-ups, and is usually a more expensive health insurance coverage than
utilizing a Maryland HMO, PPO, or POS plan.

Click on one of the links below to obtain pricing or apply for coverage.
You can also speak to one of our Maryland Health Insurance agent
specialists at 410-385-0455 to discuss the features.

Learn more about the other types of Maryland Individual or Family Health
Insurance polices we offer in Maryland by clicking on a link below!

Major Medical Insurance Policy

HMO Health Insurance Policy

PPO Health Insurance Policy

POS Health Insurance Policy

Learn more about the other types of Individual or Family Health Insurance
polices we offer in Maryland by clicking on a link below!

Managed Health Care Plans:

PPO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Maryland Individual or Family Health
Insurance polices we offer by clicking on a link below!

Managed Health Care Plans:

HMO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Individual or Family Health Insurance
polices we offer in Maryland by clicking on a link below!

Managed Health Care Plans:

HMO

Fee-for-Service Health Plan:

Major Medical

PPO

Managed Health Care Plans:

HMO

POS

PPO

**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any
decisions regarding these services should be discussed with a licensed insurance
agent or financial services representative.

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Upper Chesapeake

Insurance Agency, Inc.

900 South Charles Street

1st Floor

Baltimore, Maryland 21230

Baltimore County, MD

(410) 385-0455

Fax: (410) 385-3098

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