Current residents have access to adequate Maine health insurance coverage through several means. One of the more common ways to obtain health insurance in the state is to acquire them through the workplace. The employer pays for part of the premium which makes the monthly cost more affordable for the employees. Even employees with pre-existing medical conditions can still receive coverage.
Others may avail of health insurance plans that are offered in the private marketplace. These plans are offered by private carriers such as Cigna. There is no need for you to painstakingly visit the websites of various insurance firms to find the plans available for your location. You can find these plans simply by entering your zip code into our search bar.
That’s not the only way that HealthQuoteInfo can help you find the most suitable health plan for you and your family. You can get in touch with us should you require our expertise and we can also help you determine if you’re eligible for health insurance assistance from federal and state programs.
COBRA Health Insurance Coverage in Maine
You need to take care that you don’t have a lapse in health insurance coverage beyond 63 days. That’s because if you do and you’re entering a new work-sponsored health insurance plan, the insurance carrier can deny coverage for your pre-existing medical condition for the first 12 months of the policy.
To prevent this, you can work with the COBRA program to maintain the health plan from your previous employer. While you may have to pay for the whole premium yourself, you can at least maintain the coverage for another 18 months to give you time to secure a new health insurance plan from your next job.
Medicare, Medicaid & Low Income Health Insurance Maine
You may be in a position where your workplace doesn’t have health benefits, and you cannot afford the expense of private insurance. In such circumstances, you may be able to receive assistance from such government programs like Medicare and Medicaid.
Medicare is a federal program that offers health insurance for older people over the age of 65. It can also accept younger people with disabilities and patients with conditions like an end-stage renal disease. It offers Part A Hospital Insurance and Part B Medical Insurance. In many cases, Part A doesn’t require premiums, but premiums are always required for Part B coverage.
Medicaid is also a federal program, but each state government administers it. In Maine, it is known more simply as MaineCare. It offers different kinds of health insurance packages, and your package will depend on your income level, age, family situation, and particular healthcare needs.
The Medicaid program has income ceilings that your household cannot exceed to qualify. Each program has its own set of income guidelines. For the elderly and the disabled, the ceiling is 100% of the federal poverty level (FPL).
Medicare Savings Programs for Senior Health Insurance in Maine
These programs can help pay for the premiums, deductibles, and co-insurance expenses for both Medicare Parts A and B. For the Medicare Qualified Beneficiary (QMB) from ages 1 to 20, the income ceiling is 150% FPL. The Specified Low-Income Medicare Beneficiary (SLMB) has a 170% income guideline. The Qualified Individual program (QI) limits the household income to 185% FPL.
This is a program that helps pay for prescription medication for the people over the age of 62 or with a disability. The income ceiling is 175% FPL. Liquid assets must also be less than $50,000 for an individual and $75,000 for a couple. However, non-liquid assets do not factor in. These include your home, properties that produce income, your furniture, and the tools you need for your job.
The DEL basic coverage covers part the cost of both generic and brand name prescription drugs for 13 specified conditions. These include heart disease, osteoporosis, high blood pressure, and arthritis. The supplemental coverage can apply to some of the drugs needed for conditions that aren’t part of the list.
As a recipient, you first have to pay $2, and then pay for 20% of the remainder. The DEL program covers 80% of the remaining cost.
This is the MaineCare program that offers health insurance for families with children and pregnant women for free or at low cost. The qualified members include children and teens under 18, pregnant women with a family income below a certain amount, and parents with children living with them with income and assets within certain guidelines.
It offers coverage for checkups and ER hospital care, and also for specialist care if it’s necessary. Children can also get immunizations, full coverage for dental care, and chiropractic services from school-based health centers. Pregnant women can receive prenatal care. As a recipient, you can also get treatments for mental health and substance abuse, vision and hearing services, physical and speech therapy, and coverage for prescription drugs and medical equipment.
MaineCare Health Home Program
It can be challenging for you to oversee your health needs and to figure out the intricacies of your health insurance. This program assembles a team to help you out. Your team includes your primary care provider, other health care providers, and other types of support from your community. They can manage your health care services, make sure you get the services you need and make sure that your health information is always current.
Maine Open Enrollment 2019 & Maine Obamacare Insurance
The Maine Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Maine, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.