The Plan contracts with a third-party administrator to provide health insurance to Maryland residents who do not have access to such insurance or are deemed medically uninsurable. To Maryland Health Insurance Plan members with limited incomes, discounted premiums and some cost-sharing are available.
Also overseen by the Plan is the administration of State pharmaceutical assistance through the Senior Prescription Drug Assistance Program. To low- and middle-income Maryland senior citizens, the Program allots subsidies that reduce copayments under the federal Medicare Part D prescription drug plan (Code Insurance Article, secs. 14-510 through 14-515).
In addition, the Plan was made responsible in 2010 for the federal temporary high-risk pool program in Maryland (Chapter 173, Acts of 2010). Under the federal Patient Protection and Affordable Care Act, the program makes available affordable health insurance to uninsured individuals with preexisting conditions (P.L. 111-148). This federally funded program continues until 2014. Then, insurance will be made available through insurance exchanges.
Subscriber premiums, and an assessment on hospital net patient revenues fund the Plan.
BOARD OF DIRECTORS
The Maryland Health Insurance Plan is subject to the supervision and control of the ten-member Board of Directors (Code Insurance Article, sec. 14-503). After adapting a plan of operation for the Plan, the Board submits it, as well as any subsequent amendments, to the Maryland Insurance Commissioner for approval.
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