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Maryland Health Insurance Information
- Family or Individual -
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(HMO, PPO, POS or Major Medical Coverage)
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(also northern Virginia & District of Columbia)
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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. |
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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. |
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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. |
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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. |
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(also northern Virginia & District of Columbia)
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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. |
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* Preventive care emphasis
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* Primary care physician (PCP) coordinates your total care
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* Must get a referral from your PCP to visit a specialist
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* Fixed monthly fee
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HMO Health Insurance Policy Overview - Maryland
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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. |
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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. |
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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. |
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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 policy features in more detail. |
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* Convenient access to quality health care
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* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
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* Pay for services as they are provided
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PPO Health Insurance Policy Overview - Maryland
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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. |
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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. |
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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 policy features in more detail. |
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Health Insurance Policy Overview - Maryland
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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. |
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Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a Maryland POS health insurance plan. |
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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. |
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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. |
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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. |
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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. |
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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 policy features in more detail. |
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Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below! |
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Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Individual or Family Maryland Health
Insurance polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Maryland Individual or Family Health
Insurance polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Managed Health Care Plans:
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**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. |
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Health Insurance
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Personal Insurance
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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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Answer a few questions and
we will provide you with an insurance quote by phone or email. Choose the Maryland personal or business insurance coverage you're interested in from the menu above. |
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Brown Insurance Group, Inc.
Copyright 2005-2009 All rights reserved
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Site Built & Maintained by InsuranceWebsiteServices.com
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(also northern Virginia & District of Columbia)
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(also northern Virginia & District of Columbia)
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(also northern Virginia & District of Columbia)
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(also northern Virginia & District of Columbia)
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BROWN INSURANCE GROUP
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DELIVERING EXCELLENCE WITH A DIFFERENCE
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