Have you ever considered moving to the state of Maine? While some may think that the state is too cold and too isolated from the rest of the United States, Maine is a place of beauty and wonderful experiences. The snowy winters afford many opportunities for exciting adventures skiing, tubing, or ice-skating, while the summers give you the chance to go swimming, pick blueberries, or even visit the Canadian border. There are many things to do while in Maine, but one thing that many of the state residents are very unhappy about is the high price of health insurance. Maine is considered to have the 4^th highest level of insurance in the United States and affordable health insurance in Maine just doesn’t seem possible. But, there is good news, and today, it is possible for you to find health insurance that is feasible for your wallet and still covers you in case of a medical emergency.

Laws for Affordable Health Insurance in Maine

There are a couple of important things that you need to know about laws in Maine pertaining to health insurance. First of all, no insurance agency is allowed to reject you based upon any pre-existing condition or your current health status. The most that they can do is to place a waiting period on you for up to twelve months, but after that point, they must take you on. The only exception to this is if you are HIPAA-eligible, which means that you have no COBRA options and you have had at least 18 months of insurance coverage with at least the last day in a group plan. Second of all, as a result of this, it is possible to find affordable health insurance in Maine. Talk to different insurance agencies to see what benefits they will offer you and make sure that you read the fine print in your insurance plan before you accept it.

Coverage Options for Affordable Health Insurance in Maine

Maine has created several options for the citizens of the state to have affordable insurance coverage. First of all, Dirigo Choice is a state-created insurance agency for people that do not get covered by a work-based insurance and are ineligible for Medicaid. This insurance can be for individuals or small businesses and provides an affordable health insurance in Maine. There is also a state-run Medicaid program called MaineCare. This program is for those individuals that do not qualify for other insurance plans and that meet certain eligibility criteria. There are certain income requirements and people that are pregnant, have some disability, or are over a certain age are most often covered by this insurance option.

Other Reminders about Affordable Health Insurance in Maine

While looking for an insurance carrier to cover you, remember a couple key things. Shop around for prices and don’t stop with the first thing that you find. If you are willing to sacrifice the time to search for good prices, you will most often find that you are able to find a cheaper price than the original one that you found. Also, look for a reputable company that will watch out for you and work with you when you have problems. Check to see what previous clients have posted about their past experiences with the company and look to see what their rating is among other insurance companies. As you are applying for insurance, remain honest and tell the truth completely so that they can give you an accurate quote. There are often penalties for lying on applications and they are often worse than if you had simply told the truth. Refrain from smoking, chewing tobacco, or doing drugs, and your insurance premiums will drop. Finally, check for prices online. Often, if you go to an online company, they can give you a free quote on what insurance prices might cost you. If you would like a free quote for affordable health insurance in Maine, simply enter your zip code at the top of the page.