Affordable Maryland & Virginia Health Insurance Instant Quotes On Line for Individuals, Freelancers and Self Employed People from NASRO Group Health Co-operative

Don't Just Accept Your Rate Increases

There Is a Way to Lower Your Costs

Know Your Rights

Find Out About NASRO's Individual Health Insurance Rate and Benefits Options On Line

Find Out About NASRO Group Health Insurance Rate and Benefit Options

To Help Change the Lack of Affordable Health Care Being Available to Americans, NASRO Has Signed a Breakthrough Contract with the Wockhardt Hospital System For 75% Lower Costs for Surgical & Inpatient Care. The Program Is Available to Employer Groups of All Sizes, Associations, Unions, Churches, Co-ops and Uninsured Individuals Needing Surgery. Care Is Provided Outside the United States in India by Hospitals Affliated with Harvard Medical School International.

For costs of procedures and travel arrangements call 800-638-8113

If ever there was a time when more social responsibility was needed it is now.

Federal Health Care Reform Update

NASRO Group Health Co-operative is a cost-effective non-profit 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 Maryland & Virginia, NASRO also functions as a Rockville based community non-profit association, that is working hard for you to build a large group benefits program to service small employer groups in Maryland.

Click on the links above in blue for your on line quote.

If you are preparing for your annual health 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.

Maryland and Virginia self employed, independent contractors, workers and sole proprietors needing innovative solutions to the ever rising cost of health insurance plans should call or contact NASRO .

Rate Information

NASRO is a non-profit 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 health insurance experts who are available to assist any state resident or organization with direct answers to questions about benefit choices, cost, which health 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 Plans

NASRO Health Plans believes strongly that individuals who need a health insurance plan in Maryland 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 health insurance companies to resist the change that is coming, that will finally due away with this immoral practice.

NASRO Health Plans does not yet in Maryland have a group plan that will accept individuals who have been turned down for coverage. We will assist anyone in Maryland and Virginia that needs to know what individual medical underwriting is and how to find alternatives if health insurance coverage can not be found.

Capabilities

Health Insurance for Individuals
Health Insurance for Students
Health Insurance for the Self Employed
Health Insurance for People Moving to 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
Health Insurance for Small Business
Health Insurance for Non-Profits
Health Insurance for Employees

Types of 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
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 Health Insurance Plan

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

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 Through NASRO

Avoid having to answer those open ended probing questions on the application for coverage, alone. The applications end up in the hands of the insurance company underwriting department that turn down over 50% of the applications. How you answer the questions can many times determine if your application is approved.