Maine Health Insurance
Health Insurance in Maine
Seekers of health insurance in Maine are a lucky group. Maine health insurance regulations protect consumers for more than most other states. No matter what type of health insurance in Maine you purchase, it is most likely very good.
Employees cannot be denied coverage under an employer’s group health insurance in Maine. Exclusions from group health insurance in Maine can be applied, but they must not exceed 12 months and have to be for pre-existing conditions diagnosed in the six months prior to the beginning of coverage by the group health insurance. Pregnancy cannot be considered a pre-existing condition for group health insurance in Maine.
In most states, individual plans have the least protection. Individual health insurance in Maine offers a degree of consumer protection that is unheard of anywhere else. Providers of individual health insurance in Maine are not able to deny coverage to any individual or family. Exclusions can be applied for individual health insurance in Maine, but they must be within the same parameters as exclusions from group health insurance. Maine laws also do not permit providers of individual health insurance in Maine to add elimination riders to policies.
All providers of individual health insurance in Maine must also offer standardized health insurance. Maine regulations allow for non-standardized plans as well, but only if standardized Maine health insurance is already offered. Deductibles for standardized individual health insurance in Maine range from $250 to $1500. Premiums for individual health insurance in Maine cannot vary because of gender, health, claims experience, or policy duration. Maine health insurance law does allow premiums to vary up to 20% for age, occupation, and smoking status.
Small group health insurance in Maine involves similar protections. Providers of small group health insurance in Maine cannot refuse to sell policies. The premiums for small group health insurance in Maine are based on the same criteria as individual health insurance. Maine law does not permit self-employed persons to hold small group coverage.
Even though health insurance in Maine is standardized. The standardization is variable and dependent on the interests of Maine health insurance consumers. This state offers some of the best standards for health insurance, Maine also maintains a wide variety of plans to choose from. BusinessHealthInsurance has information on the most affordable and beneficial health insurance in Maine.