Maine Health Insurance
As a resident of Maine, you have plenty of Maine health insurance options to choose from. There are multiple insurance companies in Maine that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Maine. See some of the state's top health insurance companies and read about the important Maine health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Maine health insurance programs.
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If you would like to get free quotes and compare Maine health insurance plans now, start with our simple form on the left.
Resources on this page
Maine Health Insurance Laws and Regulations
Public Health Insurance Programs for Maine Residents
Maine Health Insurance High Risk Pools
Maine Health Insurance Companies
Contact Info for the Maine Bureau of Insurance and Department of Health and Human Services
Maine Health Insurance Laws and Regulations
Maine health insurance plans are guaranteed issue, which means insurance companies in the state are not allowed to turn down any application for any reason. Maine health insurance plans are also guaranteed renewable companies cannot cancel coverage if a policyholder gets sick or injured.
But Maine health insurance companies are allowed to set monthly premiums according to health history and pre-existing health conditions.
For residents who are HIPAA-eligible, insurance companies are not allowed to impose waiting periods or exclusion periods for pre-existing conditions.
Maine health insurance law also requires all health plans to cover certain medical care services:
- Patient care costs for clinical trials
- Screening for breast, cervical, and prostate cancer
- Care for pregnant women
- Hearing aids for children
- Contraceptives
Mental health conditions must be covered as equally as physical conditions under Maine health insurance law coverage maximums and limits must be the same for mental and physical conditions.
Maine Public Health Insurance Programs
For individuals and families who cannot afford private health insurance, there are a few public Maine health insurance programs that help low-income residents get coverage.
- Medicaid
The Medicaid program in Maine is known as MaineCare. It provides some low-income residents, children, and disabled citizens health care coverage for no cost. To learn more about MaineCare, visit the program online.
- Dirigo Health Program (DirigoChoice)
This program is designed to provide health coverage to uninsured individuals, small businesses workers and employers, and self-employed residents. To get more information about this Maine health insurance programs, visit them online.
- Maine Breast and Cervical Cancer Health Program
Low-income women in Maine can receive free screening for breast and cervical cancer, and get full health care benefits through Medicaid with this program. Find more information about this Maine health insurance program here. - Maine Medicare
Seniors can find Maine health insurance through Medicare Advantage, Supplement and Original Medicare.
Another health care assistance program is the Federal Health Coverage Tax Credit, which pays for 65 percent of insurance premiums for Maine trade workers and early retirees.
Maine Health Insurance High Risk Pool
Residents in Maine with pre-existing conditions will be able to get health insurance coverage through the temporary high risk pools created under the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Maine will work similar to regular Maine health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the Maine program will pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premium costs for Maine residents will range from $438 to $658. The out-of-pocket limit will be $3,500 for a $1,750 deductible plan and will be $5,600 for a $2,500 deductible plan.
Those eligible for the Maine health insurance program will have health insurance benefits for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals may apply for the Maine plan if they have a medical condition, have been without health insurance for six months and are a United States citizen.
For more information on the Maine health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Maine:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Maine Bureau of Insurance and Department of Health and Human Services
Find the contact information for the Maine health insurance and health and human services departments at:
Maine Bureau of Insurance
124 Northern Avenue
Gardiner, Maine 04345
Phone: (207) 624-8475
http://www.maine.gov/pfr/insurance/
Maine Department of Health and Human Services
221 State Street
Augusta, ME 04333
Phone: (207) 287-3707
http://www.maine.gov/dhhs/
