Maine Individual Health Insurance Plans
Residing anywhere in busy America requires a person to have a health insurance. Just like other states, Maine has a number of individual health insurance plans. Maine individual health insurance plans are quite different from employer-sponsored group health plans. This is because group plans have wider coverage compared to Maine individual health insurance plans, which have their own sets of policies and terms.
Unlike in other states, your Maine individual health insurance plans application does not rely on your health condition, whether past or present. Moreover, Maine individual health insurance companies are not free to reject an applicant because he has serious health conditions. Maine health insurance companies also offer family coverage to interested persons. There are also husband-wife health contract as well as parent-child or parent-children Maine health insurance policy.
Newborns and adopted children in Maine are part of the parents individual health policy for a limited period of thirty-one days. To extend the child's coverage beyond the limit, Maine individual health insurance companies require that the parents enroll their child during the limited period and pay for the premiums.
Being a HIPAA eligible individual gives a person the benefit of having the right to apply for Maine individual health plans, just like any individual. Furthermore, a HIPAA eligible person is exempted from pre-existing condition exclusion periods.
Maine individual health insurance companies don't have the right to impose an elimination rider, which is an amendment of a health contract that declares permanent exclusion of a health condition, body system or body part from being covered by Maine health insurance. But they can exempt pregnancy from being covered by Maine health plans for ten months, while genetic information is not considered a pre-existing condition.
Maine law states that Maine individual health insurance companies must provide a standardized policy to all consumers, regardless of their health status. There are two kinds of policies to choose from: basic and standard. However, selling non-standardized Maine health insurance plans is not illegal.
Services included in standardized Maine health plans are hospitalization, maternity care, physician office visits, lab test, prescription drugs, limited rehabilitation services, etc. You can choose the amount of annual deductibles, ranging from a minimum of $250 to a maximum of $1,500.
Another difference of Maine health insurance policies from other states individual health policies is that the premiums are not based on the persons health status, gender, duration of the policy or claims experience. However, Maine health insurance premiums change depending on the size of the consumers family, which part of the state you reside and what type of plan you choose.
Like in every other health insurance, whether in Maine or other state, a person under a health coverage has guaranteed renewability, which means that the company cannot terminate the persons coverage because he gets sick. However, the consumer cannot be protected from the increase in premiums during renewal of the coverage. But a person can only enjoy such protection if he pays premiums, does not defraud the company and continues to live in a managed care plans service area (only if the person is under managed care plans).