The Best Affordable Maryland Health Insurance Choices and Ethical Advice from the National Association of Socially Responsible Organizations (NASRO) for Non Profits, Businesses and Individuals

Call - 800-638-8113 or Click On the Pictures Below

Do You Need More Affordable Health Insurance? NASRO is a Non-Profit. We work as health care consultants to help our clients and do not represent the financial interest of the insurance companies.

Non Profits Know What It Means To Be Socially Responsible. We Set the Standards for Small Business to Follow.

NASRO of Maryland is a private non-profit solution to achieving affordable health and dental care through group health insurance, individual health insurance and Medicare supplement insurance. We are a private non-profit provider of Maryland group health insurance that is a cost-effective third party administrator and a fiscal intermediary of health, dental, vision, life and disability insurance to employer groups from one to one thousand employees. In the counties between Montgomery and Price Georges over to Baltimore City we have a long track record of helping people and employer groups in Maryland. We understand the people and have many years of experience with the carriers.

If you are preparing for your annual health and dental plan renewal, starting a new business. expanding operations in Maryland, or just need to lower your monthly health insurance costs then you need to learn more about NASRO. You are not alone, we can help you. We have worked hard for decades to help establish the more humane health care system that Maryland is known for in our region. NASRO is helping to make sure all the health plan options available in the state are communicated professionally. If you have a question or a problem please call us. We can offer advice on a wide range of health care subjects beyond health insurance rates.

NASRO's Top Rated Maryland Carrier for Individuals and Families

NASRO's Care First Blue Cross & Blue Shield Rate, Benefit and On Line Enrollment Information

NASRO will help you with every step of the process until your enrollment is accepted. If you have questions about how to determine the best benefit plan, how to answer the questions concerning your medical history or how to coordinate your new coverage with the ending of your old coverage please call us at 800-638-8113 or email us at rgaw@nasro-co-op.org. Information on other individual and group carriers are listed below.

NASRO Professionals, Non Profit, Co-op and Small Business Members Include

• Community Builders Worker Cooperative
• International Physicians for the Prevention of Nuclear War
• International HIV/AIDS Alliance
• Jobs with Justice
• Act Blue
• Women In Film and Video
• Alliance to Defend Health Care
• Health Care For All
• National Pancreas Foundation
• Working Assets

Veteran Health Care Consultant & Consumer Advocate, Robert Gaw, NASRO President & Founder

 Health and Dental Rate Information

NASRO is a non-profit Maryland health and dental insurance provider with warm and friendly, professional, person to person service and not with a cold automated system. We provide both the information and the interpretation of what the various benefit plan levels and prices are actually buying, at no additional cost. NASRO is staffed by Maryland health and dental insurance experts who are available to assist any state resident or organization with direct answers to questions about benefit choices, cost, which Maryland health or dental insurance provider network is best for you or your employees and which are the plans that accept people with pre-existing medical conditions.

Pre-Existing Conditions and Individual Health and Dental Plans

NASRO believes strongly that individuals who need an affordable Maryland health insurance plan that should be provided the right to buy the same plans for the same price as anyone else with their own money. We believe it is a sin for Maryland health insurance companies to resist the change that is coming, that will finally due away with this immoral practice.

NASRO does not yet in Maryland have a group health plan that will accept individuals who have been turned down for coverage but we do have a dental plan that will accept everyone.

Capabilities

•  Maryland Health Insurance for Individuals
•  Maryland Medicare Supplement Plans
•  Maryland Health Insurance for the Self Employed
•  Health Insurance for People Moving to Maryland
•  Maryland Health Insurance for Graduating Students
•  Health Insurance for People Coming off  COBRA
•  Health Insurance for People Who Are Foreign Born
•  Health Insurance for Early Retirees under 65
•  Maryland Health Insurance for Small Business
•  Maryland Health Insurance for Non-Profits
•   Maryland Health Insurance for Employees

Types of Maryland Health Insurance Coverage

• Traditional Health Insurance Plans
•  Preferred Provider Organization Plans (PPOs)
•  Health Maintenance Organizations (HMOs)
•  Catastrophic Health Insurance
•  Health Savings Account Plans ( HSAs )
•  Dental Insurance Plans for Individuals
•  Vision Insurance Plans
•  Long Term Disability Plans
•  Short Term Disability Plans
•  Life Insurance Plans
•  Medicare Supplement Plans
•  Long Term Care Insurance Plans
•  Flexible Spending Accounts
•  Retirement Plans

Benefits You Want In a Maryland Health Insurance Plan

• Hospitalization
• Out Patient Surgery
• Office Visits
• Well Care
• Emergency Room
• Prescription Drugs
• Lab and X-ray
• Mental Health

Maryland Health Insurance Plan Features Ranked By Importance

• Annual Deductible
• Percent of Expense Paid by Insurance
• Out of Pocket Maximum
• Office Visit Copays
• Annual Out of Pocket
• Total Annual Cost
• Emergency Room Visit
• Prescription Drug Copay
• Lifetime Maximum Coverage

Buy Affordable Maryland Health Insurance Through NASRO

Avoid having fill out long forms to answer those open ended probing questions on the applications without an advocate.

Affordable Maryland Health Insurance with Lower Monthly Premiums

Provider Directory of Participating Providers and Hospitals

Maryland Individual Health Insurance

Maryland Small Group Health Insurance

Maryland Plan Guide

Aetna Small Group Plans

MD HMO 1.3

MD HMO 2.3

MD_Open_Access_HMO 1.3

MD_Open_Access_HMO_Cons_Dir_1_3

Medicare Supplement Plans

Maryland Individual Health Insurance Plans

Blue Preferred Saver Plans

Blue Preferred HSA Plans

Blue Choice Plans

Blue Personal Comp HSA Plans

Blue Preferred Plans

Blue Choice HSA Plans

Blue Choice Saver Plans

Blue Personal Comp Plans

Why Choose NASRO As Your Provider of Maryland Health Insurance

Platinum Plans

Maryland Group Dental and Vision Insurance

Any individual in the state of Maryland is eligible to participate in our dental plan regardless of medical pre-existing conditions. Call 800-638-8113 to find out the rates, benefits and enrollment information from the top dental carrier in the state.

Metropolitan Life

Aetna

Monthly Rates

Individual - $7.50

Family - $12.50

Click on logo

CareFirst BlueCross BlueShield

Cigna

Delta Dental

Dental Benefit Providers

Dentaquest

Humana

July 26, 2010

NAIC: Some Insurers No Longer Writing Plans for Kids' Coverage

Major health insurance companies that serve Florida, Kansas, Oklahoma and other states no longer are offering plans specifically for children in response a requirement under the new health reform law that insurers cover children regardless of pre-existing conditions, according to National Association of Insurance Commissioners officials, The Hill's "Healthwatch" reports (Pecquet, "Healthwatch," The Hill, 7/25).

The final regulations for children's coverage are expected before Sept. 23 and insurers are required to provide coverage to all children that apply to new plans after that date (Alonso-Zaldivar, AP/Washington Post, 7/23).

Dropping Child-Only Plans

On Friday, at least three NAIC members -- Florida Insurance Commissioner Kevin McCarty, Kansas Insurance Commissioner Sandy Praeger and Oklahoma Insurance Commissioner Kim Holland -- said insurers in their states already have dropped child-only plans or have discussed the idea (Nussbaum, Bloomberg, 7/23).

The officials noted that insurers are not rescinding children's coverage that has already been issued, but they are ceasing to write new policies (AP/Washington Post, 7/23).

According to Holland, insurers have been using "medical underwriting," which has allowed them to craft low-cost plans for children that limit their expenses for costly medical care and make their expenses more predictable.

Changes Under Reform Law

However, under the new reform law, insurers are required to honor all applications for child-only coverage, and parents can sign up for the plans at any time, particularly when their children get sick. Parents then can stop payments when they no longer need coverage, which insurance industry officials say drives up medical costs and makes insurers' financial risk unmanageable (Reichard, CQ HealthBeat, 7/23).

Industry officials estimate that child-only policies account for 8% of single coverage plans that are sold directly to consumers, the AP/Post reports (AP/Washington Post, 7/23).

May 03, 2010

States Indicate Interest in Administering High-Risk Pools

By the end of Friday, officials from 28 states and the District of Columbia had informed HHS that they will administer their own high-risk pools to comply with a provision in the new health reform law, instead of allowing the federal government to implement the program for them, Politico reports.

Meanwhile, 15 states indicated that they will transfer the responsibility of administering the pools to the federal government (Haberkorn, Politico, 5/3).

Under the program outlined in the new health reform law, states are permitted to create their own pools or expand existing ones, or they could allow the federal government to implement such a pool for them. The law allocates $5 billion for the program (California Healthline, 4/27).

U.S. residents will be eligible for coverage under the pools if they have a pre-existing condition and have been without health insurance for at least six months (Levey, Los Angeles Times, 5/1).

Many of the states that opted out of the program already have pools that only need to be expanded or modified to meet the new federal requirements, Politico reports. According to Politico, most of the states that decided to use their own high-risk pools have Democratic governors, while most of the states that are defaulting to the federal government's programs have Republican governors (Politico, 5/3).

Among the states that have opted to operate their own high-risk pools are:

• California;
• Illinois;
• Maryland;
• Michigan;
• Missouri;
• New Jersey;
• Ohio; and
• Washington.

States that have chosen to let HHS run their programs include:

• Hawaii;
• Idaho;
• Louisiana;
• Nevada; and
• Tennessee.

On Friday, HHS announced the allocation of the $5 billion for the pools, according to The Hill. California will get the largest share of $761 million, while three states -- North Dakota, Vermont and Wyoming -- each will receive $8 million.

States Concerned With Potential Costs

The high-risk pools are scheduled to begin operating on July 1 and expire in 2014, when the overhaul requires private insurers to accept all applicants regardless of pre-existing conditions (Pecquet, The Hill, 5/1).

Although the deadline for states to declare their positions to HHS was Friday, several states still have not responded.

However, HHS spokesperson Jenny Backus said the agency is happy with the response. Backus added, "Whether states create these pools or the federal government creates them for states, the pools will be paid for by 100% federal dollars" (Politico, 5/3).

Concerns over the program's cost and fears that states would be responsible for some portions of it until 2014 played a key role in several states' decisions to reject the government plan, the Los Angeles Times reports.

Last month, officials from Georgia and Nebraska wrote to HHS Secretary Kathleen Sebelius expressing their concerns (Los Angeles Times, 5/1).

According to The Hill, CMS Chief Actuary Rick Foster noted in an analysis of the new reform law released last month that "by 2011 and 2012 the initial $5 billion in federal funding for this program would be exhausted, resulting in substantial premium increases to sustain the program; we anticipate that such increases would limit further participation" (The Hill, 5/1).

Please Contact Us

NASRO Is Working For Maryland Small Businesses, Individuals and Self Employed People.

Please mail in, fax all Maryland enrollment forms and material to 800-562-8588. New coverage is effective on the first of the month, so allow enough time before that to process the enrollment forms.

Individuals plans are still subject to individual medical underwriting review and can take the carriers between 30 to 60 days to determine if the individual is accepted.

                           NASRO

                      Maryland Office

                           P.O. Box 10516

                           Rockville, Maryland 20849-0516

                      Phone - 202-486-5831

                      Fax - 800-562-8588

                           Email - rgaw@nasro-co-op.org

                     NASRO

                          Washington D.C. Office

                          3204 18th Street N.W.

                          Washington D.C. 20010

                     NASRO Eastern Office

                          Two Canal Park, Fifth Floor

                          Cambridge, Massachusetts 02141

                          617-308-1525

                    NASRO Western Office

                    609 Deep Valley Drive

                         Suite 200

                         Palos Verdes Peninsular

                         California 90274

                         424-237-9647

Tell a Friend or Associate About NASRO, Spread the Word