Affordable Health Insurance in Maine: Know Your Options

By: Paula D. Skidmore
Updated: November 1, 2022
cheapest health insurance in maine

You want to find affordable health insurance in Maine, but you don’t know what’s out there. Here, you’ll find answers to help you decide what kind of coverage you need.

Maine has the oldest people in the country, and Medicare, a federal insurance program for people over 65, takes care of them. You know how important it is to have good health insurance in Maine that covers everything, but you may also want to buy cheap health insurance in Maine that fits your budget. Most people can find health insurance plans that do both, but you must compare plans carefully to find the one that fits your needs. Follow these steps to get quotes on health insurance from the most reliable companies in Maine.

Health Insurance in Maine 2022

  • Maine has a Health Insurance Marketplace where you can find low-cost health coverage and high deductible low monthly premium like catastrophic health plans. There are three plans to choose from on the Health Insurance Marketplace. Moroever, no matter which insurer you choose in Maine, you won’t always get the same level of coverage as you would through Health Insurance Exchange.
  • Open enrollment in Maine Health Insurance Exchange runs from November 1 to January 15. Also, if you have a qualifying life event like getting married, having a kid, losing a job, or moving locations, you can enroll in a Maine ACA health exchange outside of these dates.
  • Health care expenses in Maine have been affected by the American Rescue Plan’s subsidies. Health care subsidies used to be phased out when a family’s income exceeded 400 percent of the federal poverty level (FPL). However, that cliff has been erased, and now subsidies decrease gradually when your family’s income rises by 400 percent.
  • It’s one of only three states in the country that still has a health insurance co-op. It is also a private, nonprofit, state-licensed health insurance provider in Maine. The company’s plans can be purchased through the Maine Health Insurance Marketplace or directly from the company.
  • Healthcare in Maine operates on a state-based marketplace (SMB). Healthcare.gov serves as the marketplace’s enrollment platform, while the state retains control over the plans offered through the exchange. In 2022, Maine intends to switch to a totally state-run exchange, which will begin operations.
  • A majority of Maine citizens (46%) are covered by their employer’s healthcare plan, while a sizable proportion (22%) are covered by Medicaid (20%). The second-largest category comprises Maine residents on Medicare or private insurance (5.7%). The military covers more than one-fifth of Americans. Over 8% of Mainers do not have health insurance at this time.

Find the Best Health Insurance in Maine: Apply Through Maine Health Insurance Exchange

The Maine Health Insurance Marketplace will be open to the public on November 1. For residents of Maine, a new website, coverme.gov, will take the place of the current Affordable Care Act website. We’ll also focus our outreach and enrollment efforts on the general population, not only current uninsured HHC patients. Attendees will have access to Maine Enrollment Assists, who can assist with:

  • Educate people about Marketplace insurance in Maine and provide them with the tools and resources to make the best health insurance decisions for themselves and their families.
  • A key objective of this role is to assist clients throughout the open enrollment period, which runs from 1st nov to 15th Dec. Also, on January 1, the new year’s insurance coverage begins.
  • At any time, you may be eligible for a special enrollment.
  • So, our certified representatives at NewHealthInsurance are ready to assist you and your family in making an informed decision about health insurance by providing you with a no-cost, no-obligation consultation.
  • Contact us if you’d like additional information on Marketplace insurance in Maine. If a person is looking for affordable young adults’ health insurance, Marketplace plans are the best alternative because the acceptance rate is high and the costs are reasonable.

Maine HealthCare Options

Policies related to Healthcare in Maine vary widely. In addition to maternity and mental health care, as well as medications and other essentials provided by each plan, there are many additional benefits.

Furthermore, the quantity of protection, the provider network, and the deductible vary greatly amongst plans, yet none of these features are constant. Whether or not there are any exclusion is critical. The following are some Maine healthcare options:

  1. Individual Health Insurance in Maine

There are a wide variety of health insurance plans available to individuals in Maine. The network of providers and the amount of medical care that you generally obtain each year should guide your decision.

  1. Family Health Insurance in Maine

One approach to save money on health insurance is to buy a single insurance for many people. In addition, you have a wider range of plan types to choose from. Your legal spouse and children under the age of 21 are also eligible for a plan purchased together.

  1. Short Term Health Insurance in Maine

Temporary health insurance policies are available if you require coverage for a brief period of time, such as when you are looking for a new job. However, it will cost more than a year’s policy paid in monthly installments if you do not need long-term coverage.

  1. Child Health Insurance in Maine

Children’s insurance plans are available for purchase. So, if you have a child in the state and are looking for a low-cost insurance plan, this could be a nice option.

HMO and PPO Plans in Maine

Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are the two types of Maine Medicare Advantage plans. We have a premier network of physicians and hospitals with whom we collaborate continuously to reduce healthcare expenditures. It’s a good idea to read PPO and HMO reviews before applying. 

Medical Insurance Companies in Maine

A wide range of advantages is available to you from the best medical insurance companies in Maine. This includes ensuring you get the best possible coverage at the best price. You’ll also have various coverage options, deductibles, and restrictions to choose from, thanks to the best Maine health insurance providers available. Additionally, Supplemental health insurance plans might lower your out-of-pocket medical expenses if Maine Medical Assistance does not cover your costs for accidents or other serious conditions. Think about the company’s financial stability and reputation for customer service while you’re making a list of Maine health insurance providers. Finding the best Maine health insurance company is critical.

Furthermore, Vision insurance in Maine is contingent on the health plan you choose. In addition to dental insurance for kids, your vision insurance in Maine is always available for you when you need it. Click here to learn more about the private health insurance buying process if you decide to go this route.

Maine Medical Insurance Plans 

There are a lot of Maine medical insurance plans that help low-income people get affordable health care and insurance coverage. Among these programs are:

  • Medicaid

Medicaid is MaineCare. Some low-income families, disabled children, and seniors get free health care. You can also visit the MaineCare website for more information.

  • Dirigo Health Programs (DirigoChoice)

Uninsured individuals, small company owners, and self-employed citizens can all take advantage of this scheme. This Maine medical insurance program is available online too.

  • Maine’s Cervical and Breast Cancer Health Program

In Maine, low-income women can get free breast and cervix cancer screenings and full Medicaid coverage under this program. Visit this site for further details on the medical insurance plan offered by the state of Maine.

  • Maine Medicare

Medicare Advantage, Medicare Supplement, and Original Medicare are all options for seniors in Maine looking for health insurance.

Also, health insurance premiums for Maine trade employees and early retirees are covered to the tune of 65 percent by the Federal Health Coverage Tax Credit.

What is MaineCare?

Want to know what is MaineCare? It offers free or low-cost health insurance for Mainers who satisfy specific conditions depending on their home composition and income.

A variety of alternatives are available to persons who require long-term care, including those with impairments or health concerns.

Are you wondering, is Mainecare Medicare? Maine’s Medicaid program has been renamed “MaineCare.” The scenario is particularly perplexing due to the near-identical titles of the two applications. You may be able to tell the difference between the two programs by looking at their differences.

What is included?

Coverage for MaineCare includes:

  • Doctor visits,
  • Emergencies,
  • Treatment for drug use disorders,
  • Drugs on prescription, and more.

Who can apply?

Income guidelines for mainecare eligibility

MaineCare may be available to you if your monthly pre-tax income is up to:

YOUR HOUSEHOLD SIZE CHILDREN YOUNG ADULTS (19-20) ADULTS (21-64) PREGNANT WOMEN*
1 $2,413 $1,824 $1,563 N/A
2 $3,251 $2,457 $2,106 $3,266
3 $4,088 $3,090 $2,649 $4,108
4 $4,926 $3,724 $3,192 $4,949
Each additional family member Additional $838 Add $634 Additional $543 $842

*Add one to the number of members in a household for each expected newborn.

Contact us if you have questions about Maine health application process.

Medicaid Qualifications in Maine

For Medicaid qualifications in Maine, you must be a Maine resident and complete the following requirements:

  • Must be under the age of 18 or be the primary caregiver of a child or children under the age of 18, and
  • Legally admitted non-citizens of the United States, including citizens, nationals, and permanent residents.
  • Uninsured (and ineligible for Medicaid).

You may still be eligible if you make more than the income cap. MaineCare eligibility rules (PDF) provide specific information regarding income limits for several MaineCare coverage categories.

In the individual market, even if you don’t qualify for MaineCare, you may be able to get financial assistance with your health insurance premiums. For more information, visit the healthcare gov Maine.

How To Get MaineCare?

My Maine Connection allows you to apply online. Visit the Maine Health Gov website to obtain the MaineCare Application. After that, you can submit an application by mail, fax, or in person at one of our district offices.

You will be informed if additional documents or information are required after you submit your application. Your enrollment status in MaineCare will be communicated to you by written notification at that point.

Health Insurance in Maine

Cheap Health Insurance in Maine

How much does health insurance cost in Maine? This is a common query, and for a good reason. Some policies are more expensive than they should be. In other words, cheap health insurance in Maine is out there, but you have to shop around to find the best deal. Don’t just go with the first company you see because they’re the cheapest. Instead, compare insurance quotes in Maine for the same type and amount of insurance from other companies. You’ll get the greatest deal with these Maine health insurance quotes.

Free Health Care in Maine

Some people can access free healthcare in Maine through the state’s Medicaid program. Maine MaineCare, the state’s Medicaid program, is only available to those who fulfill the state’s low-income standards, are disabled, or meet other eligibility criteria.

Long-Term Care Insurance in Maine

In the course of their lifetimes, most people will require some form of long-term care, whether it comes from family members or is offered in Maine health at home or in the facility. How will you pay for health care in the future if you need it? Medicaid (MaineCare) may cover your medical expenses if you have a low income and have depleted your savings. Assets can be protected through long-term care insurance or by paying for one’s own care if and when the need arises from one’s savings or assets.

Do I need long-term care insurance in Maine? Can I afford it?

When deciding whether or not to get (LTC) long-term care insurance in Maine, you must consider various aspects such as your age and health as well as your financial situation. The expense of long-term care insurance may be prohibitive if your only source of income is Social Security. A policy should only be purchased by someone who is convinced that they will be able to afford to pay the premium and any rate hikes that may be made to the policy.

How to Choose the Best Health Insurance in Maine 2022

You’ve come to the right site if you’re looking for the best health insurance in Maine at the most reasonable price! To make it easier and cheaper to select the best health insurance policies, NewHealthInsurance has established an online insurance brokerage. We’ll pair you up with the ideal insurance provider in just three easy actions. Also, we offer free insurance quotes so you can compare prices and buy health insurance in Maine! Individual, family, and short-term health insurance are all available from us.

Always look for a health insurance policy that covers your doctors, medical providers, and medical needs while looking for health insurance. NewHealthInsurance’s tools evaluate insurance objectively, giving you the information you need to narrow your search for the right policy.

Reach out Today at Newhealthinsurance and get affordable health insurance quotes in Maine now!

FAQS about Health Insurance in Maine

Does Maine have affordable health care?

It’s possible to get free or low-cost health insurance in Maine through the MaineCare program if you satisfy specific criteria, such as income or age.

Do I have to have health insurance in Maine?

Affordable Care Act requires all Mainers to obtain health insurance. As a result of its Medicaid expansion and CO-OP Program, Maine ensures that all of its inhabitants have access to health insurance.

What is the income limit for MaineCare?

MaineCare may be available to you if your pre-tax monthly income (before taxes) is:

YOUR HOUSEHOLD SIZE CHILDREN YOUNG ADULTS (19-20) ADULTS (21-64) PREGNANT WOMEN*
1 $2,413 $1,824 $1,563 N/A
2 $3,251 $2,457 $2,106 $3,266
3 $4,088 $3,090 $2,649 $4,108
4 $4,926 $3,724 $3,192 $4,949
Each additional family member Additional $838 Add $634 Additional $543 $842

*Add one to the number of members in a household for each expected newborn.

How much does Obamacare cost in Maine?

Maine citizens can expect to pay $512 per person for major medical health insurance. If you’re in good health, you may be able to get a better deal on your premiums.

Does Maine have free healthcare?

Maine residents who earn less than the federal poverty level are entitled to free health care under state law. Those who fall inside MaineHealth’s 200 percent of poverty limit are eligible for free health care.

Who is eligible for MaineCare?

To qualify for MaineCare, you must live in Maine, have a low or extremely low income, and need health care or insurance. You must be:

  • Be pregnant;
  • Be responsible for a kid under 18 or over 18;
  • Have a disability or blind
  • Be at least 65 years old.

What is the income limit for MaineCare 2022?

The medically needy income limit (MNIL), also known as a protected income level in M.E., will be $315 per month for an individual and $341 per month for a couple in 2022.

What is the CHIP program in Maine?

CHIP may provide health insurance for your children. Also, it offers affordable health insurance for low income children without Medicaid. Each state’s CHIP program interacts with Medicaid. Moreover, children under 19 may qualify for CHIP health insurance (CHIP).

Which is the best health insurance plan?

When searching for the best health insurance in Maine, evaluating cost and coverage is essential. These plans typically have larger deductibles, lower monthly rates, and out-of-pocket maximums. Some health insurers provide inexpensive coverage but subpar customer service or a restricted provider network.

We analysed premium costs, provider networks, customer service, and the financial strength of the top health insurance providers in this article to help you shop for the best deal. There are also HMO, PPO (in details what is PPO), and EPO plans. EPO plans mean exclusive provider organization, and they are considered best one.

Which insurance company has the best benefits?

According to data from the National Committee for Quality Assurance, Kaiser Permanente and Blue Cross Blue Shield are the two best-rated health insurance providers in each state, providing the best benefits. Humana, Anthem, UnitedHealthcare, and Aetna are among the mid-tier insurers. Oscar and Cigna health insurance reviews have the worst customer feedback for health insurance providers. An overall performance rating can help consumers determine which health insurance providers are most reliable and trustworthy, as well as those who are in the centre of the pack.

Which health insurance company has the highest customer satisfaction?

Blue Cross Blue Shield (BCBS) is the best overall health insurance company with the highest customer satisfaction in 2022. Compare the reviews and ratings to find a plan that works for you.

Which is the No 1 health insurance company in Maine?

The Maine state exchange currently has three health insurance providers: Maine Community Health Options, Anthem, and Harvard Pilgrim Health Care.

All health insurance carriers in Maine offer coverage in all 16 counties, with several tiers. We recommend starting your search with Harvard Pilgrim Health Care because it has the cheapest Silver health insurance plan in 63% of Maine counties.

 

Get A Free Affordable Health Insurance Quote