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Maine Health Insurance

Did you know that in Maine, health insurance is something that you have the right to purchase? It is illegal for a health insurance company in Maine to discriminate against a person based on his or her health status or gender.

This means that in ME, you can't be charged a higher premium for your health insurance policy based on either of these factors. This does not mean that you should wait until you develop an illness to purchase coverage though because insurance companies in Maine are allowed to impose a 12 month pre-existing condition exclusion period for those who do not have prior continuous coverage.

Read on to learn more about how to find the best Maine health insurance plan and then when you are finished be sure and use our free Maine health insurance quote finder at the top of the page to compare rates from competing insurance companies.

Maine Health Insurance: Types Of Medical Coverage Available

In Maine, you have a couple of different options for your health insurance coverage. If you work for an employer who offers a group health insurance plan, you can become a member of that plan. You also have the option of buying an individual health insurance policy.

Maine Health Insurance: Private Health Insurance

If you decide to apply for an individual health insurance policy in Maine, you have three options to choose from:

  1. PPO

  2. HMO

  3. High Deductible

PPO (Preferred Provider Organization)

Under the provisions of a PPO, you have a nationwide network of health care providers you can choose from. If you choose to seek treatment from a doctor who is not a member of the network, then you will be charged an additional fee.

If you want to consult with a specialist, you don't need to get a referral from your primary care physician first. For a person who wants more choices in their health care plan, a PPO makes good sense.

HMO (Health Management Organization)

An HMO also has a network of heath care providers that participate in a network, but unlike the PPO, the network is a local one. Once you sign up for an HMO plan, you are required to see a doctor or get treatment at a hospital that participates in the network.

You must designate one doctor as being your primary care physician under an HMO plan. If you want to see a specialist, you will need to be referred by your primary care physician.

High Deductible

High deductible health insurance is sometimes also referred to as catastrophic insurance. These types of plans can really be set up as either a PPO, HMO, or even a hybrid form of network such as a POS. These types of plans have low monthly premiums but the deductibles are set higher than other insurance plans. This is a good choice if you are able to pay a substantial amount toward your medical care before the insurance company will start to cover your costs. Keep in mind that most of these plans do not provide coverage for medical costs associated with pregnancy.

Maine Health Insurance: Income Based Plan

For those people who are unable to afford to buy health insurance on their own, the state government offers subsidized health insurance. MaineCare provides health insurance for low-income pregnant women, children, and families.

The following services are covered through the MaineCare plan:

  1. Visits to a Doctor

  2. Immunizations

  3. Prescriptions

  4. Surgery

  5. Laboratory Tests

  6. X-rays

  7. Hearing Tests

  8. Dental Care

  9. Prenatal Care

  10. Transportation to Medical Appointments

  11. Family Planning Services

Cost

For most families covered under MaineCare, insurance coverage is provided at no cost. Under some circumstances, a monthly premium ranging from $8-$64 per month is charged to cover children, and some parents are required to pay a co-payment for their health care services.

Maine Individual Health Insurance

Maine individual health insurance is quite easy to find. One can find a cheap ME individual health insurance plan by comparing quotes and reviewing their policy on at least an annual basis. If you have pre-existing health medical conditions and have trouble finding a Maine individual health insurance plan that will cover your pre-existing conditions immediately without the 12 month waiting period then a Maine HIPAA individual health insurance plan may be the best solution.

Maine Group Health Insurance

While group health insurance in Maine can be pricey there are a number of top health insurance companies that offer small business and large group health insurance coverage in Maine. Some of the leading medical insurance companies offering small group in MA include United Healthcare, Anthem Blue Cross Blue Shield, and Aetna.

If you work for a company that has 20 or more employees then be sure and speak with a qualified Maine health insurance broker or your HR department about your rights under the Maine COBRA health insurance laws.

COBRA laws dictate that a Maine COBRA health insurance plan be offered as a continuation of the group plan when one undergoes a qualifying event that causes them to cease being eligible for the group plan (such as getting fired, quitting, divorce, etc.).

Maine Health Insurance: How The Maine Bureau Of Insurance Can Help

If you have questions about health insurance in Maine, you can contact the Maine Bureau of Insurance. This is the agency responsible for regulating all types of insurance policies sold in the state, and this include health insurance policies.

Visit the Maine Bureau of Insurance web site to get general information about health insurance coverage in the state. The Maine Bureau of Insurance can't recommend a specific insurance company, but it can provide you with a list of insurance companies and agents who have been licensed to operate in the state. From that list, you can choose who you would like to contact.

The Bureau can help you if you have a dispute with your insurance company that you have been unable to resolve on your own. To file a complaint with the Maine Bureau of Insurance, you can visit their web site to fill in an online form or contact them by phone.

Maine Medical Insurance Companies

Some of the health insurance companies in Maine include:

Aetna

AFLAC

Anthem Blue Cross Blue Shield

Medical Mutual Insurance Company of Maine

Mega Life and Health Insurance Company

United Healthcare

Compare Maine Health Insurance Quotes Now!

Would you like to get a quote for Maine health insurance? Why don't you use the handy tool at the top of this page to get the information you need?

Just click on it to get started compare Maine health insurance rates from top insurance companies.

Get started finding Maine health insurance today!