Best Health Insurance Plans Maine
If you’re a resident of Maine state in the US and looking to buy an affordable health insurance plan, this brief reckoner is for you. Though, the state uses federally run exchange HealthCare.gov for offering health care services, authorities are mulling to switch to its own exchange very soon.
The state starts open enrollment for 2020 coverage from November 1 to December 15, 2019. If you fail to enroll during the period, there is no other way out for the enrollment. However, enrollments outside the window are considered for the people who are going through the qualifying events.
In the state, Short-term health plans are available with initial plan terms up to 12 months. Mine joined Medicaid expansion program in 2019 and since them a considerable drop has been witnessed in uninsured rates. The rate was dropped from 11.2 percent in 2013 to 8 percent in 2018.
Maine’s health insurance marketplace:
In Maine, health insurance plans are available via federally run health insurance exchange. This is why residents in Maine have to enroll via HealthCare.gov. However, Maine is now exploring opportunity to become a state-run exchange very soon.
The state opens the enrollment for health plans from November 1 to December 15, 2019 via HealthCare.gov and the state’s insurance companies. People missed the enrollment window may still have the chance if they present a qualifying event to validate their eligibility for the enrollment. As of now, three insurers are offerings health insurance plans in the state:
- Community Health Options
- Harvard Pilgrim HMOs
Medicaid expansion in Maine:
Maine rejected the federal funding for Medicaid expansion in very beginning. But later on authorities changed the stance. In 2018, Maine’s Attorney General had promised resume Medicaid expansion and signed an executive order to expand coverage on her first day in office. By September 2019, 38000 Maine citizens had participated in Maine’s Medicaid program.
Status of Medicare in Maine:
In Maine, the number of people opted for Medicare reached 338,387 by July 2019. The amount is more than 25 percent of the total population of the state. Number wise, Maine enjoys the highest average age in the country for Medicare enrollment. Therefore, it’s evident that a larger percentage of the state’s population is Medicare covered.
Medicare users in Maine can buy a Medicare Advantage plan instead of Original Medicare for some additional benefits beyond traditional healthcare advantages.
Maine Individual and Family Insurance Plans
In Maine, several health insurance carriers are providing their plans for individuals and families. Here you can compare Maine individual and family health plans from several health insurance carriers ay one place and buy the best suited for your health care needs.
You can buy these individual and family plans if you are self-employed or not availing a group plan from your current employer. In case you’re enrolled for a plan but plan does not offer coverage to spouses or dependents, you may go for the plan.
Short term Health Insurance Plans
In Maine, short-term health insurance plans are underwritten by Golden Rule Insurance Company. These plans are designed to offer insurance seekers flexible health insurance coverage when you need it the most.
Short term health insurance plans are ideal for a health care coverage for a limited period of time. If you’re dwindling between jobs or waiting for group coverage to begin, you can check these affordable healthcare solutions.
Short term health insurance is a great choice if you missed the Affordable Care Act enrollment and don’t qualify for Special Enrollment. You may also apply for the plans if you’re waiting for ACA coverage to start or waiting your group benefits to start.
Dental Insurance Plans:
Mine Dental insurance plans are designed to offer insurance seekers coverage against common dental care issues and help them with budget for dental services at all levels. The coverage allows monetary support for preventive, basic and major dental care services. In Maine, dental insurance plans are offered by Golden Rule Insurance Company. These plans are best suited for all your dental insurance needs.
The coverage is available for preventive care like routine cleanings and fluoride treatments. Plans are available with NO deductible or waiting period at all. Other coverage that dental plans Maine offer includes basic services like fillings or emergency treatment for dental pain. Major services like retainers and root canals are also covered but subject to the plan’s deductible and waiting periods
Insurance careers in the state take care of the claims and pay in-network dentists directly. This reduces chances of manual claim submission of any kind.
Vision Insurance Plans:
Like dental insurance in Maine, vision insurance brings coverage and budget for ongoing vision care expense. This includes routine eye exams, prescription glasses and contact lenses. In the state, vision insurance plans are underwritten by Golden Rule Insurance Company. These plans offer coverage for people without any age limitation or waiting periods. Carriers offer coverage benefits through a national network of vision service and eyewear providers.
Hospital and doctor indemnity insurance:
Hospital and doctor fixed indemnity insurance is designed to offer a fixed amount of money for specific services covered by the plan. The plan provides payments toward other health plan’s deductible. In some cases, the plan also offers cash benefits to patients meet prescription drug copays. The plan is underwritten by Golden Rule Insurance Company and is a fixed-benefit insurance plan with a preset benefit amount.