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Introduction to a Consumer Guide to Maryland Health Insurance

A Consumer Guide to Health Insurance

Who We Are

The Maryland Insurance Administration (MIA) is the state agency that regulates the business of insurance in the State of Maryland. If you have a question about insurance or experience a problem, the MIA may be able to help.

How We Help Consumers

The MIA provides assistance to consumers, businesses, health care providers (including doctors and hospitals), and producers (agents or brokers) in all areas of insurance, including life, health, disability, automobile, homeowners, and property.

The MIA can:

provide you with educational materials about the different types of insurance coverages that are available, and give you guides that may help you to compare rates among insurers writing automobile, homeowners, health coverage for small employers, and for Medicare supplement policies;
suggest actions or procedures that you may take which may help resolve your insurance problem;
forward a copy of your complaint to the insurance company, if appropriate;
obtain information or explanations on your behalf from the insurance company or its representatives. This may involve written and verbal contact with such companies and persons;
investigate a company -- s action(s) to determine compliance with state laws, regulations and policy contracts; and
take corrective action against a company if it violated a state law, regulation or policy which the MIA enforces. A violation may have occurred if an insurance carrier, insurance producer (agent), or another entity engaged in the business of insurance:
- did not pay or authorize the payment for medically necessary services;
- improperly denied or delayed payment of all or some portion of your claim;
- improperly terminated your insurance policy;
- improperly raised your insurance premiums;
- made false statements to you in connection with the sale of insurance or the processing of insurance claims; or
- overcharged you for services, including premium finance charges.

Resources for Consumers

The MIA produces consumer guides, rate comparisons and frequently asked questions related to various types of insurance. The following is a partial list of available publications:

Consumer Guide to Homeowners Insurance
Consumer Guide to Automobile Insurance
Health Carriers for Small Employers (With Sample Premiums)
Annual Premiums for Medicare Supplement Policies
An Insurance Preparedness Guide to Natural Disasters

You can get a copy of any of these publications and others by:

downloading it from our web site, www.mdinsurance.state.md.us, on the Consumer Publications page;
submitting a request by phone or in writing to the MIA;
visiting our booth at any number of community events around the State; or
finding these printed materials at various state and local agencies.

Coverage by Region:

Resources:

Articles:

Maryland Health Guide Pages:

Links: