Maryland Insurance Administration Offers Fall Guidance on Cybersecurity, Health Coverage, and Disaster Preparedness

The Maryland Insurance Administration (MIA) is providing residents with timely information and resources as autumn arrives, touching on critical areas such as cybersecurity risks, health insurance coverage, and home safety. The agency emphasizes its role in educating consumers about available insurance types and assisting with complaints against insurers and other industry professionals.

In response to the federal government shutdown, Governor Wes Moore has announced a series of supportive actions for Marylanders affected by the disruption. The MIA is urging insurance carriers operating in the state to offer flexibility and reasonable accommodations to policyholders experiencing financial difficulties due to the shutdown, thereby preventing lapses in coverage. Residents facing challenges in making premium payments are encouraged to contact their insurance providers directly.

The MIA also highlights recent consumer advisories. One such advisory cautions consumers about potential risks associated with the healthcare payment platform CrowdHealth. Additionally, the administration reminds Marylanders that private insurers and Medicaid continue to cover many vaccinations and immunizations as mandated by state law. For policyholders of AARP Medicare Supplement Plans insured by UnitedHealthcare, the MIA clarifies that these plans do not have traditional networks, allowing beneficiaries to seek services from any provider or hospital that accepts Medicare. The administration expressed disappointment regarding the outcome of negotiations between UnitedHealthcare and Johns Hopkins, reaffirming its commitment to consumer protection in accordance with Maryland law.

October is being recognized as both Cybersecurity Awareness Month and Breast Cancer Awareness Month, with the MIA offering resources for both. The administration provides information on cybersecurity insurance, which offers protection against security breaches and privacy violations, and encourages individuals to learn more about managing their risks. Regarding breast health, the MIA reminds residents that regular clinical breast exams and mammograms are generally covered by most health insurance policies, advising policyholders to consult their insurers for specific details.

Further resources are available for dental health, with the MIA directing individuals to their website for dental plan information. The agency also addresses teen driver safety, providing materials to educate young drivers and passengers on the importance of safe driving practices. In observance of Disability Employment Awareness Month, the MIA promotes the benefits of hiring individuals with disabilities and offers resources on disability insurance.

As the season progresses, the MIA provides practical advice for home maintenance, urging residents to clear gutters and downspouts and address potential hazards like missing shingles and overhanging tree limbs to prepare for fall weather. With the end of Daylight Saving Time approaching, Marylanders are reminded to check their smoke detector batteries and review their homeowners or renters insurance policies to ensure adequate coverage in case of fire.

Medicare beneficiaries are reminded that Medicare Open Enrollment for Medicare Advantage and Medicare Part D plans runs from October 15 to December 7. Individuals are encouraged to review their current coverage and explore plan options for the upcoming year. The State Health Insurance Assistance Program (SHIP) offers free and confidential assistance to Medicare beneficiaries, their families, and caregivers in navigating Medicare plans and understanding benefits. The MIA also raises awareness about Medicare fraud, waste, and abuse, providing resources for detection and reporting.

Additional resources are available for older adults, addressing their potentially changing insurance needs. The MIA also directs individuals to its Mental Health Resources Page, emphasizing the importance of prioritizing mental well-being. For those facing denial of insurance coverage for medically necessary care or emergency appeals, the MIA offers a 24/7 hotline and further information on its website. The Health Coverage Assistance Team (H-CAT) is also available to provide free assistance with health insurance questions, problems, and complaints.

The Maryland Insurance Administration actively engages with the community through various events, both in-person and virtual, to help residents understand insurance and utilize their coverage effectively. During Hispanic Heritage Month, the MIA highlights its translated publications and Spanish-language social media presence, recognizing the contributions of Hispanic-Latino individuals in Maryland.

Article by Mel Anara, based upon information from the Maryland Insurance Administration.

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