One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Maine health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Maine health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Maine health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.
his article will provide you with information detailing the regulations of Maine health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.
You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Mainens to those of people who live in other parts of the country.
All you need to know about Maine health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.
Maine Individual and Family Health Insurance
Maine health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Maine health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Maine health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.
Maine Group Health Insurance
Maine health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer Maine health insurance to all of their employees, however. Part-time employees and those who live outside of the insurance company’s service area may not qualify for the group plan. Under Maine health insurance regulations, all employees who are eligible for coverage under a group plan will be covered, no matter what their current state of health. Group insurance plans may impose restrictions on pre-existing conditions that were treated within the six months prior to coverage beginning. In that case, there are certain kinds of insurance plans that will provide medical coverage for pre-existing conditions that are not included in the group plan. Employers, and not the insurance companies, can require a waiting period before coverage begins for Maine health insurance plans. These waiting periods vary in length.
Maine COBRA Insurance
Maine health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Maine health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Maine health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Maine health insurance can be obtained through the Maine Comprehensive Health Insurance Association (ACHIA).
Maine Health Information and Statistics
If you are in the market for quality Maine health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Maine ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in Maine are a low violent crime rate, a low geographic disparity within the state, a low rate of uninsured population, and a low incidence of infectious disease. Maine also faces many challenges, including a high rate of cancer deaths and low immunization coverage.
According to a 2008 study, Maine had some significant changes over the past year. The prevalence of obesity increased by 9% and the percentage of children in poverty also increased by 9%. In the past five years, the rate of uninsured population decreased by 15%. Since 1990, the rate of deaths from cardiovascular disease fell by 35%.
Following is a variety of statistical data related to living in Maine, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Maine health insurance.
- Prevalence of Smoking-30th
- Prevalence of Obesity-17th
- Violent Crime-1st
- Children in Poverty-21st
- Air Pollution-16th
- Cancer Deaths-44th
- Lack of Health Insurance-5th
- Prevalence of Binge Drinking-28th
- Infant Mortality-23rd
- Infectious Disease-10th
- Premature Death-20th
Overall Rank: 9
- Cape Eliz
- East Millinocket
- North Yarmouth
- Presque Isle
- Saint Agatha
- South Paris
- South Portland
- Winter Harbor