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Maine Health Insurance

Figuring out your health insurance isn’t always a straightforward task. It changes based on where you live and your existing medical issues. Finding affordable health insurance in Maine doesn’t have to be difficult when you can use a guide like this one to discover local and national insurance options.

Consider what you need from your future health insurance to gauge which plans are best for you. You’ll find something that covers you and your loved ones for a monthly premium you can afford.

doctor looking at the x-ray with his patient

1. MaineCare

Medicaid is a federally funded health insurance option for low-income families and individuals. Taxpayers keep it running, but states handle who gets it and for how much. MaineCare is Medicaid for Maine residents, so see if you qualify based on local eligibility requirements.

If you’re pregnant, have children, have a disability, or are retired, you could get health insurance for little to no cost. Medicaid covers things like prescriptions, therapy, case management, and more, so it’s pretty comprehensive compared to more expensive private plans.

2. Anthem Blue Cross Blue Shield (BCBS)

Anthem is another way to access Medicaid. The Blue Cross Blue Shield (BCBS) program connects people with federal coverage to help them stay healthy without a big budget.

Access to the national BCBS platform gives enrollees benefits like 24/7 access to nurse phone lines and pharmacies. You could also include vision, dental, and hearing coverage in your plan, depending on your eligibility.

3. CubCare

CubCare is the program that makes it easier for people to apply to the federal Children’s Health Insurance Program (CHIP). It specifically aims to cover children from families who earn too much to qualify for Medicaid but don’t make enough to afford private insurance.

CubCare accepts kids younger than 19 and charges a low-cost premium for comprehensive coverage, so your income doesn’t have to keep your child away from their pediatrician or specialists.

4. SureBridge

You might struggle with your existing health insurance because it doesn’t cover all of your medical needs or conditions. If getting a better plan is out of your budget, you should consider SureBridge. It’s a health, dental, and vision insurance company that complements active tiered plans that don’t provide complete protection.

See if it could fill your current insurance gaps so you don’t have to pay out of pocket for your next doctor’s appointment.

5. Harvard Pilgrim Health Care Inc.

Maine residents can apply for Harvard Pilgrim health insurance and receive a variety of low-cost benefits. Their plans pay for annual exams, flu shots, and chiropractic appointments. You could also enjoy a $300 fitness reimbursement for staying active and taking part in their free personal health coaching.

Double-check their enrollment periods to schedule your application. Harvard Pilgrim serves people of all ages and provides quotes even outside of their open enrollment season.

6. Cigna Health and Life Insurance Company

Families and individuals can find affordable health insurance with Cigna. During their enrollment periods, you can apply for insurance and qualify for a premium tax credit that saves you money during your annual tax filing.

Their plans include virtual and preventive care, plus constant year-round access to medical professionals over the phone. You’ll get better health care even outside of your doctor’s office, all for a low-cost monthly premium.

7. Medicare

Many people have heard about Medicare, but you might not know that it’s a possible option for you and your loved ones. Retirees can get comprehensive federal coverage for a low-cost, one-time fee. Parts A and B include different benefits, while Part D pays for prescription drugs that privatized plans might not include.

You’ve already paid into the Medicare system by paying taxes, so get your money back in the form of medical coverage. Enrollment stays open for seven months out of the year and allows anyone over 65 to apply.

8. Compass Rose Health Plan

The Compass Rose Health Plan gives federal employees full health benefits. If you work for the government or have retired from a government position, you could be eligible. Check out their low co-pays for tiered plans and explore their nationwide network made possible by a partnership with UnitedHealthcare Choice Plus.

You’ll be able to choose your doctors and use your new insurance right away, so get a quote and see if this is the right health insurance for you.

Research Affordable Health Insurance in Maine

It isn’t impossible to find affordable health insurance in Maine. All you have to do is a little research. Use this guide to get started and find new plans that cover your medical needs. You could find complete coverage for little to no cost on even the tightest budget.