Maine Health Insurance Policies

→ Visit the Maine Bureau of Insurance online

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee, you are guaranteed the right to buy an individual health insurance policy at any time (no open enrollment period required) from any individual market insurer; not be subject to any pre-existing condition exclusion periods or elimination riders.

HIPAA Eligibility

To be HIPAA eligible in Maine, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much will coverage cost?

LHP rates are based on the plan chosen, area of residence, age, gender and tobacco use. Maine law limits premiums to 200% of what a healthy person would pay for a similar plan sold by a private insurer.

Major Maine individual insurance companies

Aetna Group

(800) 234-8454

CIGNA Health Group

(800) 462-6633

Mega Life and Health

(800) 527-5504

Anthem Blue Cross

(800) 482-0966

Where can I get more information?

For enrollment information, visit the Maine Bureau of Insurance online at www.maine.gov/pfr/insurance or call (800) 300-5000 or (207) 624-8475.

Special insurance for Children: CUB Care

A family of four making up to $40,008 a year may be eligible for CUB Care.

• Questions? Visit their FAQs, or call (877-543-7669)