Maine Health Insurance

Maine Health Insurance: The Risk Versus Cost Of Not Having Health Insurance

The risk of not having health insurance in today’s world far outweighs the cost.  Let’s take a minute to look at a scenario you might encounter should you not have health insurance coverage.  You are at your son’s football game and he is on the line taking tackle after tackle.  During one particular play he is tackled and cannot get up. The determination has been made that he must go to an emergency room to be evaluated and for possible treatment, but you don’t have health insurance coverage.  In addition to the unspeakable fear that grips you about his condition the fear also arises about how you are going to pay for his treatment should it be needed?  It is so crucial to have health insurance coverage for you and your family members because of the uncertainties that may arise.  A Maine health insurance provider can lead you through the steps necessary to make an informed decision when it comes to health care coverage.

The ability to purchase health insurance coverage in Maine largely depends on your health status.  Once you contact a Maine health insurance provider then will take you through a screening and application process that will determine what your past health history is and if you have any pre-existing conditions.  Should you have a pre-existing condition there are limits that can be imposed concerning exclusion periods.  These exclusion periods cannot exceed 12 months.  In addition the state of Maine prohibits health insurance providers from imposing elimination riders, which would permanently exclude coverage for a particular health condition.  Premium rates cannot vary due to your gender or your health status.  However, depending on your age and if you smoke your rates can increase.  Your health insurance coverage cannot be canceled to do an illness that is contracted during your policy coverage.  The premium may go up at the time of renewal due to the illness.

Don’t let the scenario from above play out.  Be protected.  Should a medical emergency arise be sure you get the proper health insurance coverage you need for you and your family from a reputable Maine health insurance agent, at a rate that will fit your budget.  So go watch that football game in confidence, knowing you have taken the steps necessary to get the peace of mind you deserve regarding health insurance at a rate you can afford.