Maine Health Insurance
Maine HEALTH INSURANCE PROGRAMS
Dirigo Health Program (DirigoChoice) - This program is designed to provide health coverage to uninsured individuals, small businesses workers and employers, and self-employed residents.
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.
Common Health Conditions in Maine
- High Cholesterol
- Glomerulonephritis
- Fibromyalgia
- Blood pressure
- Diabetes.
Maine Health Insurance Regulations
Some of the most important Maine health insurance laws are the ones that influence the health insurance policy specifically. These health insurance laws are pretty restrictive and mostly benefit you. First, a guaranteed renewability provision is included in every policy issued in Maine. This provision states that as long as premiums have been met, your health insurance company cannot deny you continued coverage. Second, Maine health insurance policies can include a exclusion period for pre-existing conditions, but there are limitations. The definition of a pre-existing condition varies from state to state. In Maine, it refers to a condition you have received medical treatment for or were diagnosed with in the 12 months before your plan starts. If you switch Maine health insurance companies, you can avoid having a second exclusion period imposed by making sure your health insurance coverage is continuous. If you have no break in between policies, your old coverage credits your new plan's exclusion period. Understanding the laws limiting Maine health insurance companies is especially important in making sure your health insurance company continues to honor your original contract. Maine health insurance companies are more strictly regulated than most states. For instance, Maine health insurance companies cannot deny your application for health insurance because of your health, your age or your risk to them. Additionally, your policy cannot cost more because of your gender or health. However, family size, age, and demographics can all affect your cost. Also, as stated earlier, Maine health insurance companies must honor your request to renew your existing health insurance policy each year as long as you have done nothing to jeopardize the contract. Finally, and most importantly, Maine health insurance companies must offer you the option of buying one of two state standardized health insurance policies in addition to any other available Maine health insurance policies they may be offering. With these regulations in effect you, as a consumer, have less to worry about during your search for a good health insurance policy. Still, its good to know when Maine health insurance laws start to exercise control.
Maine
221 State Street, Augusta, ME 04333
Website: http://www.maine.gov/dhhs/
Phone: 207-287-3707
Fax: 207-287-3005
