Maine



 

About Health Insurance in Maine

In Maine, there are many options for health care. East Coast Health Insurance is here to direct you to the best plan or program to suit your needs.  The top insurance company that we recommend in Maine is Harvard Pilgrim Health Care, a New England-based medical insurer with a small number of plans but great amount of value.

Statistics

  • Total Population: 1,288,300
  • Total Uninsured Population: 125,600 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $2,077
  • Average State Premium for Individual Health Insurance: $282

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Maine

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above. For extra assistance or questions on health insurance in Maine you can speak with one of our knowledgeable staff at 888-803-5917.

Other Health Care Options in Maine

  • DirigoChoice, the Dirigo Health Program is a PPO product by Harvard Pilgrim Health Care for small businesses (under 50 employees), the self-employed, and individuals in Maine.
  • The Maine Breast and Cervical Cancer Health Program
  • Federal Health Coverage Tax Credit
  • Maine State Health Insurance Assistance Program (SHIP) for Medicare Maine State Health Insurance Assistance Program
    Phone: 877.353.3771 or 800.262.2232
    http://www.maine.gov/dhhs/beas/hiap/purpose.htm
  • MaineCare Medicaid
    Phone: 207.624.7539 or 800.321.5557
    http://www.maine.gov/bms/member.htm

 

Maine Health Insurance Market & Laws

In the state of Maine, health insurance laws help advocate both the insurer and the insured. One of the most important provisions relates to having a pre-existing condition. This is defined in Maine as a condition you were diagnosed with, or for which you have received medical care, in the 12 months prior to enrolling in health insurance. Health insurance companies in Maine have limited exclusion periods (length of time insurance is unwilling to cover expenses for your condition) for pre-existing conditions.

When changing insurance carriers, and you have a pre-existing condition, your old plan can be used as a credit towards your exclusion period with the new plan. If you have had continuous coverage without any breaks, you are eligible to use your previous plan to cover expenses related to your pre-existing condition.

Also, all health insurance plans in Maine must contain the guaranteed renewability provision. This protects the policy-holder by giving them the ability to renew their plan when a term has ended, as long as they have paid their premiums and not violated the policy.

Insurance companies in Maine are required by law to provide you with more options than most states, such as standardized plans, and they cannot refuse to sell you a policy due to health, risk of illness, or age. It is also illegal for insurers to increase your premiums based on your health status or gender, though the size of your family, age, and income are potential cost variables.

Standardized plans are required to be provided by health insurance companies in Maine. These two plans must be offered with the additional health insurance policy options a company provides. With these laws in place, the consumer has more options to get affordable care and not be overcharged.

 

Sources:

1.Kaiser Family Foundation, “Maine – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Maine Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Maine.html