People residing in Maine can get health insurance in two ways. One is the Medicare program and the other is individual health insurance. There is also Medicaid that is available for low income group. Maine health insurance should be an integral part of a person’s life, as it will take care of any health problems that may arise.
Maine Health Insurance
Medicare health insurance is primarily meant for people aged 65 and above. However, even people less than 65 years with certain disabilities or those suffering from end stage renal disease and require a transplant or dialysis can qualify for Maine Medicare even if they are less than 65 years of age. Maine Medicare health insurance covers certain medical items and services in hospitals, skilled nursing facilities and other similar settings.
Then there is individual health insurance that people who do not qualify for Medicare can avail. This health insurance is available in the state from Anthem Blue Cross and Blue Shield, Mega Life Health Insurance Company and many health maintenance organizations (HMOs). People with pre-existing conditions can also get Maine health insurance via the state’s DiringoChoice program.
Choosing Maine Health Insurance
If a person is 65 years and paid Medicare taxes while working, he/she will automatically qualify for Medicare Part A and will not be required to pay monthly premiums. However, for Part B, Part C and Part D, the person would have to pay a monthly premium. These parts of the Medicare program are available from private insurance companies, just like the individual health insurance. Hence, when people are choosing Maine health insurance, they should check the following:
If a Maine health insurance plan appears to be too good to be true, it probably is. Hence, it is best to shop around and find the best health insurance to meet your health needs.