Maine Health InsuranceIndividuals and Families
Maine Health Insurance
How to find an affordable plan.
Enrolling in individual or family health insurance has never been easier in the state of Maine. Although the idea of choosing a health plan may seem daunting and difficult, there are many consumer-friendly tools available to help individuals make the best decision possible. Knowing what to look for and how to find quotes is a good first step in making intelligent choices that will protect your family’s most important asset-their health. The Internet is a good place to start your search for affordable health insurance in Maine. Individuals are able to get multiple quotes from several different companies all at once, saving consumer’s time and money. The ability to research health insurance plans online has given consumers the ability to shed some light on the complexities of each insurance company and the plans that they offer. Consumers should examine the monthly costs associated with each plan and what the plan does and does not cover. The plan with the lowest monthly premium does not necessarily make it the best. There should be a balance of affordability and coverage to make sure those insured under the plan are fully protected. Selecting health insurance is one of the most important decisions that individuals ever have to make so it is important to do as much research as possible.
Leading Maine Health Insurance Companies
Choosing the Health Plan that is Right for You
Not only are health insurance costs more predictable than paying out of pocket for care, but they are also more affordable. As an example, consider an insurance policy with a premium of $50 per month. After 6 months of coverage, a policy holder will have paid $300 for premiums. If the policyholder hasn't visited a physician during this time, there has been no other out of pocket expense. Should something happen after the sixth premium, a minor accident or illness, the policyholder is able to visit a physician, emergency room or walk-in clinic for treatment. After presenting their insurance card they will be asked to make a small copayment (generally $25-$50) and that completes the policyholder's monetary responsibility. After a few months the policyholder will receive a statement in the mail from the clinic. This statement will outline the treatment given, the total cost for the treatment and will subtract their $50 payment from the total. If the cost of treatment was $2,500, the policyholder has paid a total of $300 in insurance premiums and a $50 co-pay. This makes the policyholder's expenses for a $2,500 bill total only $350. Hopefully this explains why individual health insurance coverage is important for residents of Maine.
Private health insurance has been the route most citizens of Maine use when selecting a health plan. Several options exist such as individual or family plans and employer group plans. For those that are in between jobs many use short term coverage plans such as COBRA to tie them over until enrolling in a new individual or employer sponsored health plan.
For citizens of Maine there is another plan called DirigoChoice. DirigoChoice was created as part of the Dirigo Health Reform Act, which is intended to lower health care costs, increase access to health care, and ensure high quality health care. DirigoChoice is a PPO plan available to small employers and individuals, currently provided through HPHC Insurance Company, a subsidiary of Harvard Pilgrim Health Care. Everyone is eligible, and those with low incomes qualify for reduced premiums and deductibles. Coverage for individuals, self-employed and small businesses may be available through the Dirigio Health Agency. Mainers who are uninsured or underinsured and have incomes below 300 percent of the federal poverty level ($32,490 for an individual; $66,150 for a family of four) may qualify for subsidies.
Resources and Information
Maine Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Maine Doctor Directory
Doctors practicing medicine in the State of Maine are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.