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 seem complex, but understanding the basics can help you access the assistance you need. This guide provides an overview of key medical care programs in Maryland, helping you determine which might be the right fit for you and your family.
Maryland Children’s Health Insurance Program (MCHP)
The Maryland Children’s Health Insurance Program (MCHP) is dedicated to ensuring that all children in Maryland have access to health insurance. Funded through both Federal and State resources, MCHP offers comprehensive health benefits to children under 19 and pregnant women.
Who is Eligible for MCHP?
- Children under the age of 19 who are not eligible for Medicaid.
- Pregnant women of any age.
- Individuals with a countable income at or below 200% of the federal poverty level (and up to 300% with a premium).
- Children with employed parents, even if the employer doesn’t offer family health insurance. It is advisable to apply even if you currently have health insurance to determine potential eligibility.
How to Apply for MCHP:
You can apply for MCHP through several convenient methods:
- Online: Visit the Maryland Health Connection website at https://www.marylandhealthconnection.gov/.
- Telephone: Call the Maryland Health Benefits Exchange Consolidated Service Center toll-free at (855) 642-8572 or TTY (855) 642-8573.
- In Person: Apply at your local health department or local department of social services.
Information Needed for Application:
- General information about family members, including names, birth dates, and Social Security numbers.
- Proof of income.
- If pregnant, a doctor or nurse’s signed statement with the expected delivery date.
Medicaid and Medical Assistance (MA)
Medicaid, also known as Medical Assistance (MA) in Maryland, is a program that helps cover medical expenses for individuals with low incomes and limited resources. Funded by both Federal and State governments, Medicaid ensures that essential healthcare services are accessible to those who need them most.
Applying for Medicaid/Medical Assistance:
- Online: Apply through the myDHR portal at https://mydhrbenefits.dhr.state.md.us.
- In Person: Visit one of Maryland’s 24 local departments of social services to apply in person.
Medicare Buy-In Programs: QMB and SLMB
Maryland also offers Medicare Buy-In Programs, including the Qualified Medicare Beneficiary (QMB) and Specified Low-Income Medicare Beneficiary (SLMB) programs. These programs are designed to alleviate the financial burden of Medicare costs for low-income beneficiaries.
Qualified Medicare Beneficiary (QMB) Program:
- Assists individuals with limited assets (up to $9,090 for individuals or $13,630 for couples) and incomes at or below 100% of the federal poverty level.
- Covers Medicare Part B premiums and cost-sharing amounts.
Specified Low-Income Medicare Beneficiary (SLMB) Program:
- Helps those with incomes between 100% and 120% of the poverty level and similar asset limits as QMB.
- Specifically pays for Medicare Part B premiums.
Long Term Care Medical Assistance (LTC)
For individuals requiring nursing home care, Long Term Care Medical Assistance (LTC) is available. This program helps cover the costs of nursing home care for low-income individuals who meet specific eligibility criteria, including a review of resources from the five years prior to application.
Applying for Long Term Care Medical Assistance:
- Online: Apply via the myDHR portal: https://mydhrbenefits.dhr.state.md.us/.
- Mail or In Person: Applications can be mailed to or filed in person at your local health department or department of social services. For residents of Baltimore City, Baltimore County, Anne Arundel County, and Prince George’s County, applications are handled by the Office of Long Term Care at 746 Frederick Road, Catonsville, Maryland 21228.
Maryland’s medical care programs provide vital support to ensure residents have access to necessary healthcare. By understanding these programs and how to apply, you can take steps to secure medical assistance for yourself or your loved ones. For detailed information and to begin your application, visit the provided websites or contact your local health or social services department.
