--- title: "Telehealth Insurance in Maryland" description: "Maryland requires telehealth practitioners to obtain oral or written consent and follow the same clinical standards as in-person care." canonical: "https://spot.insure/coverage/virtual-care-telehealth/maryland" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/virtual-care-telehealth/maryland) # Telehealth Insurance in Maryland Maryland telehealth practitioners must verify patient identity, obtain oral or written consent, and follow the same standards of practice as in-person care. Before prescribing, they must complete a patient-appropriate clinical evaluation; Schedule II opiates for pain generally require an existing relationship and a prior in-person assessment.[^1][^2] **Coverage:** [Virtual care and telehealth](/coverage/virtual-care-telehealth) · [Maryland](/coverage/states/maryland) ## What Is Virtual Care And Telehealth? Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. [Read the national Virtual care and telehealth guide](/coverage/virtual-care-telehealth). ## What to Watch for in Maryland ### Consent and Identity Checks Need Documentation Health Occupations § 1-1002 requires identity verification, disclosure of the practitioner’s name, contact information, and license type, and oral or written patient consent. Ask the broker to include your actual telehealth modalities and clinician roles, and confirm your recordkeeping matches the consent workflow.[^1][^3] ### A Questionnaire Alone Does Not Support Treatment Before treatment or a prescription, § 1-1003 requires a patient-appropriate clinical evaluation; synchronous or asynchronous methods may be used. Board guidance says online questionnaires alone are not enough and describes emergency protocols and patient-location checks. Make sure the policy covers the clinical services and follow-up your protocol actually uses.[^2][^3] ### Pain Prescribing Has an In-Person History Requirement A Schedule II opiate for pain generally cannot be prescribed through telehealth unless the patient is in a health care facility, an emergency applies, or a bona fide ongoing relationship includes a previous in-person assessment by the practitioner or group practice. Identify controlled-substance services separately when you ask for coverage.[^2] ## Who Regulates Insurance in Maryland **Maryland Insurance Administration.** The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^4][^5][^6] - [Regulator website](https://insurance.maryland.gov/) - [License lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) - [File a complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx) - Phone: 800-492-6116 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.[^7][^8] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Maryland 1. Does the policy cover every Maryland telehealth service and clinician type, including prescribing? 2. How should we record consent, patient location, identity, and the clinician’s license disclosure? 3. Does our Schedule II pain prescribing workflow meet the prior in-person assessment exception? ## Virtual Care And Telehealth in Maryland: FAQ ### Does Maryland require consent for telehealth? Yes. The practitioner must obtain oral or written consent from the patient, or from a parent or guardian when state law requires that consent.[^1] ### Can a Maryland practitioner prescribe a Schedule II opioid for pain by telehealth? Generally not unless the patient is in a health care facility, an emergency applies, or an established relationship includes a previous in-person assessment by the practitioner or someone in the same group practice.[^2] ## Virtual Care And Telehealth in Other States - [Alabama](/coverage/virtual-care-telehealth/alabama) - [Alaska](/coverage/virtual-care-telehealth/alaska) - [Arizona](/coverage/virtual-care-telehealth/arizona) - [Arkansas](/coverage/virtual-care-telehealth/arkansas) - [California](/coverage/virtual-care-telehealth/california) - [Colorado](/coverage/virtual-care-telehealth/colorado) - [Connecticut](/coverage/virtual-care-telehealth/connecticut) - [Delaware](/coverage/virtual-care-telehealth/delaware) - [District of Columbia](/coverage/virtual-care-telehealth/district-of-columbia) - [Florida](/coverage/virtual-care-telehealth/florida) - [Georgia](/coverage/virtual-care-telehealth/georgia) - [Hawaii](/coverage/virtual-care-telehealth/hawaii) - [Idaho](/coverage/virtual-care-telehealth/idaho) - [Illinois](/coverage/virtual-care-telehealth/illinois) - [Indiana](/coverage/virtual-care-telehealth/indiana) - [Iowa](/coverage/virtual-care-telehealth/iowa) - [Kansas](/coverage/virtual-care-telehealth/kansas) - [Kentucky](/coverage/virtual-care-telehealth/kentucky) - [Louisiana](/coverage/virtual-care-telehealth/louisiana) - [Maine](/coverage/virtual-care-telehealth/maine) - [Massachusetts](/coverage/virtual-care-telehealth/massachusetts) - [Michigan](/coverage/virtual-care-telehealth/michigan) - [Minnesota](/coverage/virtual-care-telehealth/minnesota) - [Mississippi](/coverage/virtual-care-telehealth/mississippi) - [Missouri](/coverage/virtual-care-telehealth/missouri) - [Montana](/coverage/virtual-care-telehealth/montana) - [Nebraska](/coverage/virtual-care-telehealth/nebraska) - [Nevada](/coverage/virtual-care-telehealth/nevada) - [New Hampshire](/coverage/virtual-care-telehealth/new-hampshire) - [New Jersey](/coverage/virtual-care-telehealth/new-jersey) - [New Mexico](/coverage/virtual-care-telehealth/new-mexico) - [New York](/coverage/virtual-care-telehealth/new-york) - [North Carolina](/coverage/virtual-care-telehealth/north-carolina) - [North Dakota](/coverage/virtual-care-telehealth/north-dakota) - [Ohio](/coverage/virtual-care-telehealth/ohio) - [Oklahoma](/coverage/virtual-care-telehealth/oklahoma) - [Oregon](/coverage/virtual-care-telehealth/oregon) - [Pennsylvania](/coverage/virtual-care-telehealth/pennsylvania) - [Rhode Island](/coverage/virtual-care-telehealth/rhode-island) - [South Carolina](/coverage/virtual-care-telehealth/south-carolina) - [South Dakota](/coverage/virtual-care-telehealth/south-dakota) - [Tennessee](/coverage/virtual-care-telehealth/tennessee) - [Texas](/coverage/virtual-care-telehealth/texas) - [Utah](/coverage/virtual-care-telehealth/utah) - [Vermont](/coverage/virtual-care-telehealth/vermont) - [Virginia](/coverage/virtual-care-telehealth/virginia) - [Washington](/coverage/virtual-care-telehealth/washington) - [West Virginia](/coverage/virtual-care-telehealth/west-virginia) - [Wisconsin](/coverage/virtual-care-telehealth/wisconsin) - [Wyoming](/coverage/virtual-care-telehealth/wyoming) [Other Coverage in Maryland](/coverage/states/maryland) ## Sources [^1]: [Maryland Health Occupations § 1-1002](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gho§ion=1-1002) — Maryland General Assembly; Telehealth practitioner duties; identity, disclosures, and oral or written consent. Accessed 2026-09-29. [^2]: [Maryland Health Occupations § 1-1003](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gho&enactments=false§ion=1-1003) — Maryland General Assembly; Standards, clinical evaluation, and Schedule II opioid prescribing. Accessed 2026-09-29. [^3]: [Telehealth FAQs](https://www.mbp.state.md.us/resource_information/faqs/resource_faqs_telehealth.aspx) — Maryland Board of Physicians; Consent, identity, privacy, emergency planning, and patient location. Accessed 2026-09-29. [^4]: [Maryland Insurance Administration](https://insurance.maryland.gov/) — Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28. [^5]: [Insurance License Lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) — Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28. [^6]: [File an Insurance Complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx) — Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28. [^7]: [Md. Code, Insurance §3-324](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/3-324.pdf) — Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28. [^8]: [Maryland Insurance Article (2026)](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/gin.pdf) — Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/virtual-care-telehealth/maryland.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)