Maine Health Insurance

When you're shopping for insurance coverage in Maine, you'll want to keep your own needs in mind and determine which company is best able to meet those needs. Some things to remember:

Request a quote for family health insurance in Maine!

Make a list of several quality insurance companies doing business in Maine
Research those companies – paying attention to longevity and quality of coverage
Call each company for detailed quotes
Disclose to the company any preexisting condition(s) you may have
Compare quotes, making sure they are for equal coverage

Family Health Coverage in Maine (ME)

Families can get health coverage one of two ways; they can get a group health insurance policy through an employer, or they can purchase an individual health care policy. Group health insurance will cost you less, but is not always available to everyone. Group health insurance includes four different forms of plans; HMOs, PPOs, HSAs, and POSs. If you are unable to get coverage under a group health care plan, you can purchase an individual health insurance plan by contacting a private health insurance carrier.

Fortunately for residents of Maine one cannot be denied or limited in their coverage due to their health status. This makes your lives much easier, as you will be able to find coverage no matter what the health of you or your family is (unlike residents of the majority of the country). In Maine, insurers selling individual health insurance must offer family coverage if you are interested in purchasing it. Some HMOs may also offer husband-wife policies and parent-child(ren) policies.

Maine Individuals' Health Policy Options (ME)

As an individual in Maine, your options are to either seek out a group health insurance policy through your employer, or purchase an individual health care policy. Either way, you are guaranteed to find a plan, it is just a matter of cost. Group health insurance is far less expensive, but if you cannot access it, than you will need to figure out how much you can afford to pay for an individual health care plan.

Health Insurance Providers in Maine (ME)

Insurance Challenges in Maine (ME)

The Maine Bureau of Insurance partners with state and federal government and the insurance industry to provide information to consumers with preexisting conditions who seek health insurance. The Bureau of Insurance also works to protect consumers from fraud. When shopping for insurance, be wary of promises of coverage of preexisting conditions for much less than you would expect to pay. Also be sure to check out the coverage with the Maine Bureau of Insurance before purchasing any policy.

Ask for a health insurance quote in Maine today!

Excluding Preexisting Conditions in Maine (ME)

All health insurance plans in Maine are subject to regulation and limits in regards to insuring those with preexisting conditions. There are rules regarding what constitutes a preexisting condition as well as limits to the exclusion period. The exclusion period is the length of time you must wait before your new insurance plan will begin covering expenses for a preexisting condition. In most cases, the state of Maine limits this period to a maximum of six months.

If you have a preexisting condition that has been diagnosed by a physician, you must reveal that information during the application process. If you fail to make a full disclosure, future claims involving that condition may be refused payment and your policy itself put in jeopardy. It is in your best interest to be as thorough as possible when applying for your policy.

To help provide coverage to those having difficulty, Maine residents can apply for the state-sponsored assistance program, MaineCare. You must qualify for coverage under the MaineCare program and certain restrictions and guidelines apply. Contact the Maine Bureau of Insurance for information.

Maine State Health Care Programs (ME)

Maine has a number of great programs which may be able to help you and your family get health care even if you cannot afford it. These programs are for a variety of income levels and situations, so if you are having trouble finding a plan you can afford, check with these programs to see if you qualify; MaineCare (Medicaid and Cub Care), Maine Breast & Cervical Health Program (MBCHP), Dirigo Health Program, and Federal Health Coverage Tax Credit (HCTC).