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Maine Health Insurance


Congratulations Maine! You have been a guarantee issue state since before Obamacare, which means that all health insurance companies in the state of Maine are required to offered a standardized health insurance policy to everyone.

Maine health insurance companies are not allowed to turn down any any health insurance application for any reason. Maine health insurance plans are also mandated to be guaranteed renewable, which simply means that  companies cannot cancel coverage if a policyholder gets sick or injured.

This does not stop many shysters from attempting to pull fast ones and if you shop for Maine health insurance on the internet you will find that many online health insurance brokers offer companies like Time Insurance and the Mega Life and Health Insurance Company which are two reprehensible companies. Why they are still allowed to offer policies in any state is beyond my understanding.


The Maine Health Insurance Companies

The Harvard Pilgrim Health Care is a fantastic individual health insurance carrier of the new England region, offering traditional PPO plans. Though premiums in the state tend to be extremely high compared to many other areas in the country, monthly rates with Harvard Pilgrim plans can be a bit more affordable in some situations. The company offers a PPO plan with a very comprehensive benefit set, including immediate preventive care.

They have also partnered with the state government to jointly administer the DirigoChoice program for uninsured individuals. Of course in the state of Maine, there are great assets for health coverage through some of the programs outlined below.


Maine Government Health Programs


DirigoChoice is a PPO product offered through Harvard Pilgrim Health Care for residents of the State of Maine in the following categories:

  • Small employers (2-50 employees)
  • Sole Proprietors (Self-employed of 1)
  • Individuals
  • Dirigo Health Program (DirigoChoice)
    This program is designed to provide health coverage to uninsured individuals, small businesses workers and employers, and self-employed residents. To get more information about this Maine health insurance programs, visit them online.
  • Maine Breast and Cervical Cancer Health Program
    Low-income women in Maine can receive free screening for breast and cervical cancer, and get full health care benefits through Medicaid with this program. Find more information about this Maine health insurance program here.


Maine State Health Insurance Assistance Program (SHIP) for Medicare

For residents of Maine over 65 that cannot afford an individual policy or a private insurance company or don’t know where to start, there is SHIP who provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.

Maine State Health Insurance Assistance Program
Phone: 877.353.3771 or 800.262.2232


MaineCare – Medicaid

MaineCare is Maine’s outstanding Medicaid program for individuals and families under 65.   Medicaid is a state government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about MaineCare program, including eligibility requirements, contact MaineCare at the number listed below.

Phone: 207.624.7539 or 800.321.5557

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