Best Health Insurance Consultant in Maryland

Best Health Insurance Plan in Maryland

Health insurance in Maryland is a critical aspect of ensuring individuals and families have access to essential medical services without facing financial burdens. With time, medical expenses are increasing; however, having access to the best health insurance in Maryland can greatly help bear those rising medical expenses. We can help you find the best and most affordable health insurance plan in Maryland.

Why Do You Need a Health Insurance in Maryland?

Several factors contribute to the need for health insurance in the state:

Healthcare Costs: Medical expenses in Maryland, like in many parts of the United States, can be substantial.
Protection against Unexpected Illness or Injury: Nobody plans to get sick, but it can happen unexpectedly.
Access to Preventive Care: Health insurance facilitates access to preventive care services, such as annual check-ups, vaccinations, and screenings for various health conditions.
Financial Protection for Families: Medical emergencies and serious illnesses can have devastating financial consequences for families without health insurance.

Benefits of Buying Health Insurance in Maryland with the Help of Health Insurance Consulting

Along with years of experience in helping individuals and families find the best health insurance in Maryland, we offer the following advantages to our clients:

Apply for health coverage in 3 simple steps.
Tailored Package.
24-hour coverage, on or off the job.
Quality coverage is available for periods of critical illness.
Any Doctor, Any Hospital!

3 Tips to Get the Best Health Insurance in Maryland?

Before you buy the best health insurance in Maryland, prepare a budget for how much you can invest in health insurance.
Check the Network Hospitals.
Read about exclusions to avoid chances of claim rejection before you opt for an affordable health insurance plan in Maryland.

Why Choose Us to Buy Health Insurance Plan in Maryland?

When finding the best health insurance in Maryland, you can trust Health Insurance Consulting to provide expert guidance and support every step of the way. Here’s why our clients choose us:

Expertise and Experience: Our team of experienced professionals has years of experience in the healthcare and insurance industries. We stay informed about the latest developments in health insurance and use our expertise to help clients make informed decisions about their coverage.
Personalized Service: We believe in providing customized service tailored to each client’s unique needs and circumstances. We take the time to listen to your concerns, answer your questions, and address any issues or challenges you may face.
Commitment to Excellence: At Health Insurance Consulting, we provide our clients with the highest level of service and support. We go above and beyond to ensure you receive the care and attention you deserve when selecting and enrolling in health insurance.
Trusted Partnerships: We partner with various insurance providers in Maryland to offer our clients the best options. With our extensive network of partners and our commitment to customer satisfaction, you can trust that you’re getting quality coverage you can count on.

PremierAdvantage

PremierChoice

SecureAdvantage

HealthAccess Plus

MedGuard

Accident Protector

IncomeProtector

LifeProtector

SecureDental

PremierVision

Thomas Andrews

We’ll help you find the best health insurance plan for your family

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IncomeProtector - Short Term Accident Disability Coverage

Short Term Accident Disability Insurance can help you pay your bills if you become disabled due to a covered accident. If you become totally disabled due to a covered accident, IncomeProtector can pay you monthly benefits for up to 12 months.

How Long Could You Survive Financially Without a Paycheck?

Whether you have a family or are a team of one, the bills don’t stop just because You are sidelined with an accidental injury. When accidents happen, IncomeProtector can help by providing monthly benefits to assist You with bill payments and general expenses. Don’t let the unexpected stop You in your tracks. We hope an accident never happens, but if it does, it’s better to be prepared. IncomeProtector can be an important part of Your overall game plan of protection.

49% of workers would have difficulty supporting themselves within one month of becoming disabled. ¹
In the U.S., a disabling injury occurs every second. ²

IncomeProtector is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The IncomeProtector Plan provides disability income benefits for disability resulting from covered accidental bodily injuries and is neither a traditional major medical plan nor a Workers Compensation plan under state law. The IncomeProtector Plan is considered an “excepted benefit plan” under the ACA and is not a “minimum essential coverage” plan under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

¹ The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009

² National Safety Council®, Injury Facts® 2010 Ed.

SecureDental - Dental Coverage PPO Plans

The SecureDental PPO plans can help your family maintain a healthy smile. The plans utilize your selected network and pay the expenses charged for covered services after the PPO discount up to the stated maximum, subject to the required deductible. Plus, preventive dental care from a participating dentist is not subject to a deductible.

Everyone Deserves A Healthy Smile!

SecureDental Offers 3 Plans:

Premium Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹, ², the SecureDental Premium Plan covers Preventive Care³, Basic Care⁴, and Major Care⁵. Orthodontic Care⁵ is only available on the SecureDental Premium Plan and is subject to an Additional Orthodontic Deductible of $150¹, ⁶. The SecureDental Premium Plan has a Calendar Year Maximum of $1,500 per Insured; an Orthodontic Calendar Year Maximum of $400 per Insured; and a Lifetime Maximum Orthodontic Benefit of $1,000 per Insured.

Saver Plus Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹, ², the SecureDental Saver Plus Plan covers Preventive Care³, Basic Care⁴, and Major Care⁵ with Orthodontic Care Services discounted at Participating Dentists⁷. The SecureDental Saver Plus Plan has a Calendar Year Maximum of $1,000 per Insured.

Saver Plan – Subject to deductibles of $50 for an Individual and $150 for a Family¹, ², the SecureDental Saver Plan covers Preventive Care³ and Basic Care⁴ with Major Care and Orthodontic Care Services discounted at Participating Dentists⁷. The SecureDental Saver Plan has a Calendar Year Maximum of $500 per Insured.

¹ Family limit of 3 per Person Deductibles

² Separate $50 Deductible for Non-Participating Dentist per Insured

³ Not subject to Calendar Year Deductible when received from a Participating Dentist

⁴ Subject to 6 month benefit waiting period

⁵ Subject to a 12 month benefit waiting period

⁶ Separate $150 Deductible for Non-Participating Orthodontic Dental Care per Insured

⁷ These services are not covered under the Policy/Certificate but are subject to a discount of up to 20% if you see a Participating Dentist

SecureDental is not available in all states. Benefit amounts and availability may vary by state. Please contact a licensed agent for more information. Limitations, Waiting Periods and Exclusions may apply.

The SecureDental Plans provide benefits for covered dental services only. The SecureDental Plans are considered “excepted benefit plans” under the ACA and are not “minimum essential coverage” plans under the ACA. The ACA generally required individuals to maintain “minimum essential coverage” or be subject to the payment of the annual shared responsibility payment with the payment of their taxes to the federal government from 2014-2018. Congress eliminated the shared responsibility payment in 2019 and beyond for individuals who do not maintain ACA “minimum essential coverage” during 2019 or any year thereafter.

Best Health Insurance Consultant in Maryland

Best Health Insurance Plan in Maryland

Why Do You Need a Health Insurance in Maryland?

Benefits of Buying Health Insurance in Maryland with the Help of Health Insurance Consulting

3 Tips to Get the Best Health Insurance in Maryland?

Why Choose Us to Buy Health Insurance Plan in Maryland?

PremierAdvantage

PremierChoice

SecureAdvantage

HealthAccess Plus

MedGuard

Accident Protector

IncomeProtector

LifeProtector

SecureDental

PremierVision

Thomas Andrews

Quick Links

Get in Touch

PremierAdvantage - Fixed Indemnity PPO

The PremierAdvantage Difference

PremierChoice - Disease, Sickness and Accident PPO Plans

The PremierChoice Difference

SecureAdvantage - Flexible Deductible Disease, Sickness and Accident PPO Plans

The SecureAdvantage Difference

HealthAccess Plus- Portable PPO Coverage Plans

The HealthAccess Plus Difference

MedGuard - Critical Illness Coverage Plans

Quality coverage for periods of critical illness.

CRITICAL ILLNESS CONDITION/SURGERY

BENEFIT

Should You Buy MedGuard?

You can use the cash for any purpose You deem necessary such as helping to:

Accident Protector - Excess Medical Expense Coverage

Extra Coverage for Life’s Unpredictable Mishaps

When it Comes to Accidents…You Can’t Be Too Careful.

EXCESS MEDICAL EXPENSE COVERAGE:

Accidental Death and Dismemberment1

Covered Losses

AD&D Maximums2

Utilize Accident Protector to provide You with a financial advantage:

Provides lump sum payouts if Your Injury is due to an accident and results in a loss.

Helps cover the cost of deductibles, co-pays, and other expenses not covered by insurance.

Emergency Air Ambulance

Up to $4,000 per Accident per Insured

We give You the option to select coverage that fits Your budget and needs. Choose Your coverage amount from the list below:

COVERAGE SELECTIONS & DEDUCTIBLE

Extra Coverage for Life’s Unpredictable Mishaps

IncomeProtector - Short Term Accident Disability Coverage

How Long Could You Survive Financially Without a Paycheck?

LifeProtector - Life Coverage Plan

Provide Peace of Mind for Your Loved Ones

SecureDental - Dental Coverage PPO Plans

Everyone Deserves A Healthy Smile!

PremierVision

Why Choose PremierVision?

Benefits

In-Network Benefits

Out-of-Network Benefits

How Much You Can Save!

EXAMPLE 1 - ADULT'S GLASSES

PREMIERVISION

NO COVERAGE

EXAMPLE 2 - CHILD'S GLASSES

PREMIERVISION

NO COVERAGE

PremierAdvantage -
Fixed Indemnity PPO