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Maine Health Insurance
In Maine, like many areas of the country, citizens have individual healthcare policies today, either because they are self-employed, because the company for which they work does not offer healthcare benefits, or because they have exhausted any COBRA benefits that are available to them. With the high costs associated with individual healthcare policies, it is important to know what your rights are and if you are eligible for state assistance.
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Affordable ME Health Insurance Considerations
Individual policy regulations in Maine include the following details:
- Any resident of the state of Maine can receive an individual healthcare insurance policy unless they are eligible for Medical. Insurance companies are not allowed to deny a policy for health reasons.
- Companies that offer individual policies must also over policies that will cover a whole family.
- Newborns and adopted children are covered for 31 days under their parents' policy.
- All insurance companies and HMOs must offer a standardized plan. Pre-existing conditions, or conditions that occurred within six months prior to having the policy, can only be excluded for twelve months.
- Insurance policies cannot charge rates by gender.
- Insurance companies can only cancel policies if you have not paid your premiums.
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DirigoChoice is a plan that is offered to individuals where discounts may apply according to family household income and assets. Deductables and copays might be less for qualified families DirigoChoice offers two plans. Plan 1 offers deductibles from $500 to $2,500 to families with a 20% coinsurance payment when visiting network participants after the deductible has been met. Coverage includes hospital services, emergency room services, and physician care services. Plan 2 is similar to Plan 1 except there are higher out of pocket expenses required on a yearly basis.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
