The Maryland Insurance Administration's Jurisdiction
The Maryland Insurance Administration has the authority to regulate (i.e. license, review rates and policies, review financial statements, investigate complaints, conduct examinations and issue orders/penalties) all insurance companies, producers, premium finance companies, motor clubs and HMOs licensed to conduct business in Maryland.
Maryland law generally does not apply to insurance contracts (or policies) issued in other states. For example, if your policy was issued in Virginia, then Virginia law and not Maryland law applies to your coverage. In these instances, you will need to contact the Regulator in that state for assistance. Click here for a map of states and jurisdictions.
In addition, employer self-funded plans also fall outside of this agency's jurisdiction. Self-funded plans are those where your employer pays for your medical expenses, rather than contracting with a health plan to do so. The U.S. Department of Labor Employee Benefits Security Administration regulates self-funded plans, and therefore, has the authority to investigate and resolve complaints against such plans.
Also, the Insurance Administration does not have jurisdiction over federal programs such as the Federal Employee Health Benefit Program (FEHBP), Medicare, Medicaid, Workers Compensation and Social Security. Please contact the appropriate regulatory authority for more information on these programs.