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Maryland's health insurance program is among the insurance plans most favored by medical practitioners. The coverage of the Maryland health insurance plan comprehensively covers disability, medical and rehabilitation expenses. According to the State Health Department, Maryland has some of the best health insurance programs in America. This reason alone explains why thousands of residents rely on the Maryland State Health Insurance Program. But the program is far from perfect. It still has some flaws that need to be worked on.The first major flaw is the cost of premium. The State of Maryland continuously finds itself billions of dollars in huge medical bills it pays out each year. Since the State of Maryland takes full responsibility for its health plan, it charges more than other states with similar insurance coverage. But its excessive premium payment may explain why some residents do not like to use the health plan. If they are not too fond of expensive coverage, they may prefer another health insurance plan.Another flaw is the freedom to select one doctor a year. Unlike the other states, the Maryland State Health Insurance Program does not allow residents to choose their own doctors. Residents are instead required to use one of the doctors approved by the state. Residents can only use other doctors listed in the list of approved providers. Despite this flaw, Maryland does have one of the best healthcare systems in the United States. And considering the fact that hospitals in Maryland are amongst the best in the world, people should consider this before opting for a health plan.Another flaw of Maryland health insurance program is its restrictive nature. Residents are limited to using only three doctors. There is no coverage for maternity benefits or any other services provided by health care centers. Residents can only see specialists approved by the state. This means that if they want to see a specialist such as a cardiologist, orthopedist, pediatrician, or psychiatrist, they will need to get a referral from their primary care doctor first. Not all health insurance plans have similar requirements.Although there are several flaws of this particular health care program, it still remains a very attractive option for those who want health care coverage in Maryland. The plan is offered at competitive rates and does not require any deductible. Plans are available from several private companies and Maryland government agencies. The Department of Health and Mental Hygiene has approved about forty health care plans for residents of Maryland.Maryland residents who cannot afford health insurance coverage can apply for Medigap Maryland, which is offered by several health care insurance companies. People who cannot receive Medicare or Medicaid coverage because of a pre-existing medical condition can also apply for this program. To get this program, an individual will have to fill out an application. The applicant must then qualify for Medicaid, obtain Medicare or Medicaid Identification Numbers, or have a dependent who is eligible for Medicaid.There are Californiacheapcarinsurance.net that help Maryland citizens with low-income earners or people who are disabled. One such organization is the Maryland Low Income Assistance Corporation. This is a not for profit organization that provides low-cost health insurance coverage to low-income families. People in the group must be residents of Maryland.People living in the Maryland state health care insurance program may be able to choose from a variety of plans. They include Medicare supplement plans, high risk health care insurance plans, short-term catastrophic health insurance, and cancer treatment insurance. There are several online sources that provide information on the different health care insurance plans. People in the program can compare quotes and find affordable health care coverage. The state insurance department has published a website as well. Anyone interested in learning more about the program can visit the MD Insurance Guide.