Affordable Maryland Health Insurance Exchange, with Choices and Ethical Advice on Controlling Health Care Costs from the National Association of Socially Responsible Organizations (NASRO) for Professionals, Non Profits, Businesses and Individuals,
Call Us in Rockville at 800-638-8113
Health Care For All In Business
Individuals Enroll In the Link Below
NASRO's
Care First Blue Cross & Blue Shield Rate, Benefit and On Line Enrollment
Information
Additional Individual
and Familiy Health Insurance Quotes
 
NASRO Administrators 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
Affordable Quality Dental Insurance with Great Benefits and a Good Choice of Dentists Is Now Available for Employees, Individuals and Families, and Retirees, as well as Employer Groups
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 NASRO 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 Profits, Co-ops 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
- Brighter Days Dog Walking Collective
- Maryland Podiatry Center
- 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 Administrators President & Founder
Health and Dental Rate Information
NASRO Administrators 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 Administrators 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 Administrators 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 Administrators 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
NASRO of Maryland News
News Release
Friday, August 19, 2011
Employers Expect Rise in Health Costs; Many To Pass Costs to Workers
Large U.S. employers expect their health care costs to increase by an average of 7.2% next year, according to a according to a survey by the National Business Group on Health, Modern Healthcare reports (Daly, Modern Healthcare, 8/18).
The increase is slightly less than the 7.4% mean increase for health care costs that the companies reported for this year. However, the new figure "is on a higher base, and it still outpaces the economy's anemic growth and business conditions," according to NBGH President and CEO Helen Darling (Reichard, CQ HealthBeat, 8/18).
According to the survey, more than half of businesses plan to pass at least some of the extra costs to workers. Darling said employers are shifting away from copayments, where workers pay a fixed dollar amount for health services, and instead are charging workers a percentage of the total costs. This makes employees more aware of the total cost of health care they use, The Hill's "Healthwatch" reports.
Darling said shifting from copayments to the coinsurance model is "a more subtle way to increase what the consumer pays." She said that eventually only governments and unions likely will offer fixed copayments (Baker, "Healthwatch," The Hill, 8/18).
Darling said the federal health reform law has contributed to rising costs. She attributed one full percentage point of the increase to a provision allowing young adults to stay on their parents' insurance until age 26. She said, "I think that most employers didn't think that (the requirement) was a good idea," noting that individuals with jobs and substantial benefits can stay on their parents' insurance to avoid more cost-sharing (CQ HealthBeat, 8/18).
According to Darling, the financial strain of the ongoing increases in health care costs has created "an unsustainable model for our country" (Modern Healthcare, 8/18).
Read more: http://www.californiahealthline.org/articles/2011/8/19/employers-expect-rise-in-health-costs-many-to-pass-costs-to-workers.aspx#ixzz1VWS3Tt6H
Don't Delay Emergency Care When Asthma Flare-Ups Strike
Study found waiting led to worse outcomes, including hospitalization
MONDAY, May 16 (HealthDay News) -- Asthma patients who delay seeking emergency medical care when the condition flares can suffer worse outcomes, including hospitalization.
That's the finding of a study that included 296 asthma patients in two New York City emergency departments. They were asked about the duration of their asthma symptoms and their attempts at self-management before they decided to go to the emergency department.
Two-thirds of the patients waited five days or less before they sought medical treatment and one-third waited longer than five days.
Patients who waited longer were more likely to be sicker when they arrived at the emergency department, more likely to arrive by ambulance, and more likely to be admitted to the hospital.
The study also found that patients who waited longer and those who sought treatment earlier were about equally likely to have health insurance (80 percent), to consult a physician before coming to the emergency department (23 percent and 18 percent, respectively), and to have used drugs called beta-agonists (albuterol, for example), which are typically prescribed to treat asthma flare-ups.
The study is slated to be presented Monday at the American Thoracic Society (ATS) international conference in Denver.
"An important aspect of managing asthma is for patients to realize when they can handle exacerbations with help from their regular doctors, and when they need the more intense treatment the emergency room provides," study author Dr. Carol Mancuso, an associate professor of medicine at the Hospital for Special Surgery, Weill Cornell Medical College, in New York City, said in an ATS news release.
"It is preferable to get help early from regular doctors and avoid the emergency room. However, when intense treatment is necessary, then the sooner the patients present to the emergency room the better, because then they are not as sick and are less likely to be hospitalized," she added
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 Alan Weiner at 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
Please Contact Us
NASRO Administrators Is Working For Maryland Small Businesses, Individuals and Self Employed People, Not the Insurance Companies
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 Administrators
Rockville, Maryland
Phone - 800-638-8113
Fax - 800-562-8588
Email - rgaw@nasro-co-op.org
NASRO Administrators
101 California Street, Suite 2450
San Francisco, CA 94111
415-732-9440
NASRO Main Office
Two Canal Park, Fifth Floor
Cambridge, Massachusetts 02141
617-308-1525 / 978-261-5622
NASRO Administrators
New York, New York
917-474-1218
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