Maine Health Insurance for Individuals and Families:-
Maine is one of the few states where medical underwriting is not allowed. This means that insurance carriers are not permitted to review the medical history of prospective members. As a result, they are required to charge the same rate (or premium) to members regardless of their health status. This leads to very high premium costs. Due to the extreme cost, we (Health Plan One) currently do not offer individual health insurance in the state of Maine. Please contact the Maine Department of Insurance should you be interested in individual health insurance.
Maine Group & Small Business (1-50 employees) Health Insurance:-
Medical underwriting is not allowed in Maine. Rates are based on an adjusted community rate based on age, geography, occupation, and smoking status. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 6 months and impose a 12 month exclusionary period for those that did not have prior medical coverage.
Maine COBRA Health Coverage:-
Maine offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.
Medicaid and Medicare in Maine:-
MainCare, also known as Medicaid, offers free health care coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes. MainCare also offers free or subsidized health coverage for uninsured children (also known as Cub Care). These prospective individuals must meet certain income and other requirements to be eligible.
Children (ages 1-5)-150% of the Federal Poverty Level.
Children (Ages 6-19)-150% of the Federal Poverty Level.
Pregnant Women and Infants:-
Pregnant Women-200% of the Federal Poverty Level.
Infants (ages 0-1)-200% of the Federal Poverty Level.
Non-Working Parents-150% of the Federal Poverty Level.
Working Parents-157% of the Federal Poverty Level.
Medically Needy Individual- 44% of the Federal Poverty Level.
Medically Needy Couple- 35% of the Federal Poverty Level.
Supplemental Security Income Recipients- 74% of the Federal.
Aged, blind, and disabled- 100% of the federal Poverty Level.