Medical Insurance

Medical coverage is available to all individuals and their dependents who are eligible for health benefits. These benefits are offered through the State of Maryland Employee Benefits Division.

Types of Plans

There are three types of medical plans offered: Preferred Provider Organization (PPO),  Exclusive Provider Organization (EPO) and Integrated Health Management (IHM). While all three types of plans offer comprehensive coverage, the type of medical plan you choose determines your premium, out-of-pocket expense, and choice of physician. Please remember that any medical treatment must be considered a “medical necessity” by your plan in order for payment to be authorized. The Summary of Benefits and Coverage provides a general overview of the differences in types of plans from Kaiser, Carefirst and United Healthcare. Please consult the official Benefits Guide Book 2020 for complete plan details.

Last updated: January 17, 2020