Accessing quality healthcare is a fundamental need, and Maryland offers a range of medical care programs designed to support its residents. Navigating these programs can be complex, so this guide provides a clear overview of the key state medical assistance initiatives available in Maryland.
Maryland is committed to ensuring that children and low-income individuals have access to essential medical services. Applications for these programs can be conveniently filed at various locations, including local health departments, social services departments, doctor’s offices, and hospital social work departments. This accessibility underscores the state’s dedication to reaching those in need.
Maryland Children’s Health Insurance Program (MCHP)
The Maryland Children’s Health Insurance Program (MCHP) is a vital initiative funded by both Federal and State resources. Its primary goal is to provide comprehensive health insurance coverage to all children in Maryland. MCHP offers full health benefits for:
- Children under the age of 19 who are not eligible for Medicaid.
- Pregnant women of any age.
Eligibility for MCHP is primarily based on income. The program is available to:
- Families with a countable income at or below 200% of the federal poverty level.
- Families with incomes up to 300% of the federal poverty level may also qualify, potentially with a premium.
- Children of employed parents, even if the employer doesn’t offer family health insurance. It’s recommended to apply even if you have existing health insurance to allow a case manager to determine eligibility.
Applying for MCHP is straightforward:
You can complete an application online through the Maryland Health Connection portal or by phone.
- Online Application: https://www.marylandhealthconnection.gov/
- Telephone Application: Call the Maryland Health Benefits Exchange Consolidated Service Center at (855) 642-8572 or TTY (855) 642-8573 (toll-free).
- Applications can also be submitted at your local health department or department of social services.
Required Information for MCHP Application:
- General information about all family members, including names, birth dates, and Social Security numbers.
- Proof of income documentation.
- If pregnant, a doctor or nurse’s signed confirmation of the expected delivery date.
Medicaid (Medical Assistance – MA)
Medicaid, also known as Medical Assistance (MA) in Maryland, serves as a crucial safety net, paying for medical expenses for individuals with limited income and resources. Funded through a combination of Federal and State funds and administered by the State, Medicaid ensures access to healthcare for needy and low-income populations.
To apply for Medicaid (MA):
- Online Application: Submit your application online through the myDHR portal: https://mydhrbenefits.dhr.state.md.us
- In-Person Application: Visit one of the 24 local departments of social services across Maryland.
Medicare Buy-In Programs: QMB and SLMB
Maryland offers Medicare Buy-In Programs, specifically the Qualified Medicare Beneficiary (QMB) and Specified Low-Income Medicare Beneficiary (SLMB) programs. These programs are designed to alleviate the financial burden of Medicare coverage for low-income beneficiaries, assisting with out-of-pocket expenses like deductibles and co-payments.
Qualified Medicare Beneficiary (QMB) Program:
The QMB program supports individuals with limited assets (up to $9,090 for individuals and $13,630 for couples) and incomes at or below 100% of the federal poverty level. Maryland Medicaid will cover their Medicare Part B premiums and cost-sharing obligations.
Specified Low-Income Medicare Beneficiary (SLMB) Program:
The SLMB program focuses on paying Medicare Part B premiums for individuals with slightly higher incomes, between 100% and 120% of the federal poverty level, and the same asset limits as the QMB program ($9,090 for individuals and $13,630 for couples).
Long Term Care Medical Assistance (LTC)
For individuals requiring nursing home care, Maryland’s Long Term Care Medical Assistance (LTC) program provides financial support. This program is specifically for low-income individuals who meet stringent eligibility criteria, including a review of their financial resources extending back five years prior to application.
Applying for Long Term Care Medical Assistance (LTC):
- Online Application: Apply online through the myDHR portal: https://mydhrbenefits.dhr.state.md.us/
- Mail Application: Applications can be mailed to your local health department or local department of social services, or directly to the Office of Long Term Care for certain counties:
Office of Long Term Care
746 Frederick Road
Catonsville, Maryland 21228
(This office covers Baltimore City, Baltimore County, Anne Arundel County, and Prince George’s County applications).
Accessing Application Forms
For your convenience, here are direct links to download application forms for some of these programs:
- Specified Low-Income Medicare Beneficiary (SLMB) Application form
- Long Term Care/Waiver Medical Assistance (LTC) Application form
- Long Term Care (LTC) Redetermination Application form
- FIA/2023-MONTHLY INCOME AND ASSET GUIDELINES
Understanding the State Of Md Medical Care Programs is the first step towards accessing the healthcare support you or your family may need. Maryland’s commitment to accessible healthcare is evident through these comprehensive programs and readily available application resources.
