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Kent Health Insurance

Facts and Figures

  • Insurance
    Carriers
    7
  • Number of
    General Doctors
    51
  • Number of
    Hospitals
    1

State Government Insurance Programs Offered

Maryland Health Insurance Plan (MHIP)


Four plans offering comprehensive coverage of Doctor visits, Prescription drugs, Outpatient and in-hospital care, Maternity, Ambulance, Labs and x-rays, Skilled nursing care, Hospice, Home health visits, Transplants, Rehabilitation, Durable medical equipment, Mental health and substance abuse, Physical, Speech and occupational therapy, and Preventive care. MHIP Federal Plan: Covers broad range of benefits, including primary and specialty care, hospital care, and prescription drugs.

Medicaid


Medicaid: Doctor visits, Prescriptions, Hospital care (including emergency care), Tests, X-rays, Family planning, Mental health services, Substance abuse services, Home health care, Dental care, Eye care, Therapy (occupational, physical and speech), and more.

Medical Assistance for Families


www.dhmh.state.md.us/ ma4families/ - Low-cost or free prescriptions, Doctor visits, Emergency room visits,Hospital stays, X-ray and lab services, and many other services. Pre-Existing Health Conditions Covered

Maryland Children’s Health Program (MCHP)


www.dhmh.state.md.us/ mma/mchp - MCHP covers: Doctor Visits, Hospital Care, Lab Work and Tests, Dental, Vision, Immunizations, Prescription Drugs, Transportation, Mental Health and Substance Abuse treatment, maternity services

MCHP Premium


MCHP Premium: Access to health coverage through Healthchoice, the Maryland Managed Care Program.

Women-Infant-Children (WIC)


www.dhmh.state.md.us (Search: WIC) - WIC offers: Nutrition education, Breastfeeding Support, Free healthy food, Referral to other health and social agencies.

Breast Cancer Screening Program


fha.maryland.gov (Search: Breast Cancer Screening) - Services offered: Screening mammogram, Clinical breast exam, Pap test and pelvic exam cervical biopsy, Diagnostic mammogram, Colonoscopies, Surgical consultation, Breast ultrasound, Breast biopsy, Colposcopy surgery, Adjuvant therapy (chemotherapy, radiation therapy), Home health, Pharmacy, Durable Medical Equipment (including prosthesis and bras), Physical therapy, Occupational therapy, Wigs and breast reconstruction.

Breast and Cervical Cancer Diagnosis and Treatment Program


www.fha.maryland.gov (Search: Breast and Cervical Cancer Diagnosis)

Medicare


Medicare offers Part A, inpatient care in hospitals and rehabilitative centers; Part B, doctor and some preventive services and outpatient care; Part C allows Medicare benefits through private insurance (Medicare Advantage); Part C includes Parts A, B, and C not covered by Medicare. Part D covers prescription drugs.

Heath Care Reform

Small business tax credits.  76,800 small businesses in Maryland could be helped by a new small business tax credit that makes it easier for businesses to provide coverage to their workers and makes premiums more affordable.1  Small businesses pay, on average, 18 percent more than large businesses for the same coverage, and health insurance premiums have gone up three times faster than wages in the past 10 years.  This tax credit is just the first step towards bringing those costs down and making coverage affordable for small businesses.

Closing the Medicare Part D donut hole. Last year, roughly 63,200 Medicare beneficiaries in Maryland hit the donut hole, or gap in Medicare Part D drug coverage, and received no extra help to defray the cost of their prescription drugs.2 Medicare beneficiaries in Maryland who hit the gap this year will automatically be mailed a one-time $250 rebate check. These checks will begin to be mailed to beneficiaries in mid-June and will be mailed monthly throughout the year as new beneficiaries hit the donut hole. The new law continues to provide additional discounts for seniors on Medicare in the years ahead and completely closes the donut hole by 2020. 

Support for health coverage for early retirees. An estimated 71,400 people from Maryland retired before they were eligible for Medicare and have health coverage through their former employers. Unfortunately, the number of firms that provide health coverage to their retirees has decreased over time.3  Beginning June 1, 2010, a $5 billion temporary early retiree reinsurance program will help stabilize early retiree coverage and help ensure that firms continue to provide health coverage to their early retirees. Companies, unions, and state and local governments are eligible for these benefits.

New consumer protections in the insurance market beginning on or after September 23, 2010.

Insurance companies will no longer be able to place lifetime limits on the coverage they provide, ensuring that the 3.6 million Maryland residents with private insurance coverage never have to worry about their coverage running out and facing catastrophic out-of-pocket costs.

Insurance companies will be banned from dropping people from coverage when they get sick, protecting the 243,000 individuals who purchase insurance in the individual market from dishonest insurance practices.

Insurance companies will not be able to exclude children from coverage because of a pre-existing condition, giving parents across Maryland peace of mind.

Insurance plans’ use of annual limits will be tightly regulated to ensure access to needed care.  This will protect the 3.3 million residents of Maryland with health insurance from their employer, along with anyone who signs up with a new insurance plan in Maryland.

Health insurers offering new plans will have to develop an appeals process to make it easy for enrollees to dispute the denial of a medical claim.

Patients’ choice of doctors will be protected by allowing plan members in new plans to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care.

Extending coverage to young adults. Beginning on or after September 23, 2010, plans and issuers that offer coverage to children on their parents’ policy must allow children to remain on their parents’ policy until they turn 26, unless the adult child has another offer of job-based coverage in some cases. This provision will bring relief to roughly 18,000 individuals in Maryland who could now have quality affordable coverage through their parents.4  Some employers and the vast majority of insurers have agreed to cover adult children immediately.

Affordable insurance for uninsured with pre-existing conditions. $84.7 million federal dollars are available to Maryland starting July 1 to provide coverage for uninsured residents with pre-existing medical conditions through a new transitional high-risk pool program, funded entirely by the Federal government. The program is a bridge to 2014 when Americans will have access to affordable coverage options in the new health insurance exchanges and insurance companies will be prohibited from denying coverage to Americans with pre-existing conditions. If states choose not to run the program, the Federal government will administer the program for those residents.

Strengthening community health centers. Beginning October 1, 2010, increased funding for Community Health Centers will help nearly double the number of patients seen by the centers over the next five years. The funding could not only help the 126 Community Health Centers in Maryland but also support the construction of new centers.

More doctors where people need them. Beginning October 1, 2010, the Act will provide funding for the National Health Service Corps ($1.5 billion over five years) for scholarships and loan repayments for doctors, nurses and other health care providers who work in areas with a shortage of health professionals. This will help the 5% of Maryland’s population who live in an underserved area.

New Medicaid options for states. For the first time, Maryland has the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status. 

"Vista Health Solutions" www.forhealthinsurance.com Tel (888)215-4045 Email [email protected]