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Health Insurance in Maryland
Federal law does not require that you have health insurance, the individual mandate was repealed for coverage beginning in 2019. However, unless you are independently wealthy and can cover your own healthcare needs fully, it is a good idea to have healthcare insurance. It protects your assets from an accident or illness that could be devastatingly expensive. Maryland has no state requirements for health insurance, but they do have other legal requirements which the agents at SG Agency in Arnold, MD can explain to you.
Health insurance policies are not all created equal, there are many things that need to be considered when choosing the plan that fits best with your needs and your budget.
Most health insurance policies have deductibles. The higher the deductible, the lower the premium. However, you can end of paying for a policy where nothing will be covered for the entire year. That seems quite pointless. This is where the discussion with one of our agents is very important. You need to have a policy that you can afford to pay at the same time giving you the coverage you need.
Is Your Doctor in the Plan?
If you have a doctor or several doctors who you want to continue to see, it is important to make sure that they are included in any plan you are considering. You can check with your doctor's office or the list of network providers that the insurance companies provide.
Most visits to the doctor or basic services such as X-rays or blood tests have a co-pay. It is more expensive in most cases to see a specialist than it is to see your general practitioner. Visiting the emergency room or walk-in clinics usually, have a co-pay. if these are services you will use, knowing what they are in important.
It isn't easy to find the right healthcare insurance in Maryland. If you need a helping hand, why not call or stop by the SG Agency in Arnold, MD, we will be happy to help you make the right decision.