Maryland Health Insurance Information
- Family or Individual -
(HMO, PPO, POS or Major Medical Coverage)
(also northern Virginia & District of Columbia)
Individual or family health insurance can provide the
important protection needed in the event of illness
and for regular preventive care. Using the strength
and experience of our health insurance markets,
Brown Insurance Group can offer affordable HMO,
PPO, POS, and Major Medical Health Insurance
policy coverages in greater Washington D.C. and
throughout Maryland.
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than
plans that limit choices. Individual and family health
insurance plans that help to manage the care you
receive, such as PPO and POS plans, usually cost you
less, but you must give up some freedom of choice.
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
Maryland by clicking on a link below or click on the link
for information on Major Medical health insurance.
Click on the link below to fill out a quote request form for a
Maryland health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you
can speak with one of our Maryland Health Insurance agent
specialists at 301-933-5500 to discuss the policy features in
more detail.
(also northern Virginia & District of Columbia)
We are a Silver Spring, MD full-service insurance agency, offering affordable Maryland
health insurance policy premiums to individuals and families located in the following
cities and counties: Wheaton, Silver Spring, Bethesda, Aspen Hill, White Oak,
Takoma Park, Randolph Hills, Veirs Mill, Kensington, Kemp Mill Estates, Rock Creek
Forest, Chevy Chase, Woodmont, Garrett Park, Oakmont, Calverton, Fairland,
Springbrook, Glenmont, Foxhall, Layhill, Colesville, Meadowood, Rockville, Laurel,
Gaithersburg, Good Hope, College Park, Greenbelt, Montpelier, Adelphi, Langley Park,
Berwyn Heights, Knollwood, Beltsville, Maryland City, Riverdale, Hyattsville, Chillum,
Lewisdale, University Park, New Carrollton, Landover Hills, Bladensburg, Cheverly,
Kent Village, Somerset, Chevy Chase View, Glen Mar Park, Westgate, Brookmont,
Luxmanor, Montrose, Potomac, Glen Hills, Derwood, Washington Grove, North
Potomac, Redland, Olney, Sandy Spring, Norwood Corner, Ashton, Ednor,
Spencerville, Burtonsville, Good Hope, Fulton, Savage, Bowie, Crofton, Kettering,
Forestville, District Heights, Capitol Heights, Columbia, Annapolis, Germantown,
Brinklow, Brookeville, Highland, Simpsonville, Brighton, Clarksville, Laytonsville,
Damascus, Dayton, Unity, Glenelg, West Friendship, Seneca, Dawsonville,
Poolesville, Towson, Baltimore, Montgomery County, District of Columbia, Prince
Georges County, Howard County, Anne Arundel County, and Baltimore County, MD.
We also offer family health insurance services throughout the state of Maryland and
northern Virginia, including Arlington, Alexandria, McLean, Falls Church, Annandale,
Reston, Fairfax, Vienna, Herndon, Sterling, Leesburg, and Manassas, VA.
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - Maryland

Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. You choose a primary care physician
(PCP) from a list of participating doctors from where you live in Maryland.
That doctor is used for typical circumstances such as annual exams and
usual health issues. If you need to see a specialist, be hospitalized, or
have lab or X-ray work, your doctor will refer you to a provider or facility
within the HMO system. Your doctor must give authorization for those
services to be covered by your HMO. In other words, you must see HMO
approved physicians and use HMO approved facilities or pay the entire
cost of the visit yourself.
Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers and
give their policyholders a financial incentive to stay within that network.
You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Maryland HMO health maintenance plan.
Click on the link below to fill out a quote request form for a Maryland HMO
health insurance policy that provides excellent health insurance coverage
and services at an affordable cost. Or you can speak with one of our
Maryland Health Insurance agent specialists at 301-933-5500 to discuss
the insurance policy features in more detail.
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - Maryland
You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.

You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Maryland PPO health insurance plan.
Click on the link below to fill out a quote request form for a Maryland family or
individual PPO health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with one of our Maryland Health Insurance agent specialists at 301-933-5500
to discuss the insurance policy features in more detail.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - Maryland
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by
the insurance. Care you receive from out-of-plan health care professionals
is reimbursed, but you must pay an often times much higher co-payment
or deductible amount. While you may choose to see a physician outside
the network, if you don't receive permission from your (PCP) primary care
physician, you're likely to end up submitting the bills yourself and receiving
only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered
by the policy.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Maryland POS health
insurance plan.
Click on the link below to fill out a quote request form for a Maryland family or
individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with one of our Maryland Health Insurance agent specialists at 301-933-5500
to discuss the policy features.
Major medical health insurance provides benefits up to a high limit for most
types of medical expenses incurred, subject to a deductible. Once you
meet the deductible, our Maryland Major Medical Insurance plans pay a
percentage of what is considered the "Usual and Customary" charge for
covered services. The insurance company generally pays 80% of the Usual
and Customary costs and you pay the other 20%, which is known as co
insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the
difference.
With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible
such as $250 or more to pay each year before the insurer starts paying.
The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care plans, such as HMO, PPO, and POS.
Major Medical Insurance may not pay for some preventive care, such as
check-ups, and is usually a more expensive health insurance coverage than
utilizing a Maryland HMO, PPO, or POS plan.
Click on the link below to fill out a quote request form for a Maryland family
or individual Fee-for-Service / Major Medical health insurance policy that
provides excellent health insurance coverage and services at an affordable
cost. Or speak with one of our Maryland Health Insurance agent specialists
at 301-933-5500 to discuss the insurance policy features in more detail.
Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below!
Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Maryland Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any
decisions regarding these services should be discussed with a licensed insurance
agent or financial services representative.
Health Insurance
Personal Insurance
Brown Insurance Group
12118 Heritage Park Circle
Silver Spring, Maryland 20906
Montgomery County, MD
(301) 933-5500
Fax: (301) 933-6955

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Brown Insurance Group, Inc.
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(also northern Virginia & District of Columbia)
(also northern Virginia & District of Columbia)
(also northern Virginia & District of Columbia)
(also northern Virginia & District of Columbia)
New National Healthcare Overview
Enrollment began October 1, 2013 and coverage
began January 1, 2014
Essential Health Benefits
The Affordable Care Act passed in 2010 required
individual health insurance plans beginning on
January 1, 2014 to offer essential health benefits
services. Below is the list of minimum services
required under all health insurance plans.
1. hospitalization
2. maternity and newborn care
3. ambulatory patient services
4. emergency services
5. mental health and substance use disorder
services, including behavioral health treatment
6. prescription drugs
7. rehabilitative and habilitative services and devices
8. laboratory services
9. preventive and wellness services and chronic
disease management
10.pediatric services, including oral and vision care
Health Marketplace Insuranace Plans
You can choose the plan that is right for your budget and needs. All plans
offer the 10 essential health services mentioned above. The cost of each
plan will be different whether your state has set up its own Health
Marketplace or uses the National Health Marketplace. Speak with your
health insurance agent for specific costs and enrollment information.
Bronze Plan
Silver Plan
Gold Plan
Platinum Plan
The Bronze Plan has the lowest premium, but you'll pay a higher share
of costs when you get care. On the other end of the cost spectrum, the
Platinum Plan will have the highest monthly premiums and the lowest
out-of-pocket costs when care is needed.
Marketplace Health Plans Pricing
All insurance plans available through the Marketplace will be offered by
private insurance companies. Marketplace pricing will show any cost
savings you may be eligible for based on your income.
Pre-existing Conditions
An insurance company can't turn you down or charge you more
because of your health condition. It can't refuse to cover treatment for
pre-existing conditions.
The only exception is for grandfathered individual health insurance plans-
the kind you buy yourself, not through an employer. If you have one of
these plans you can switch to a Marketplace plan during open enrollment
and get coverage for your pre-existing condition.
The Marketplace will also tell you if you qualify for free or low-cost coverage
available through Medicaid or the Children's Health Insurance Program
(CHIP).
Brown Insurance Group of Silver Spring, Maryland
BROWN INSURANCE GROUP
DELIVERING EXCELLENCE WITH A DIFFERENCE