Maine Health Insurance (ME)
Maine is one of the healthiest places to live in the United States, lots of fresh air, little congestion and a great set of offerings by Maine Health Insurance.
Maine Health Insurance is there for you if you can't afford to pay for medical care right now. The Maine Health Insurance program, MaineCare can make it possible for you to get the care that you need to regain your health - and to stay healthy.
You are required to be both financially and medically eligible in order to participate in the Maine Health Insurance MaineCare services. These programs include: nursing home care and in-home care services. Medical eligibility for nursing home stays and in-home services are determined by the Maine Office of Elder Services. Financial eligibility is determined by the Maine Office of Integrated Access and Support.
The Maine Health Insurance MaineCare program does not pay money to you; but instead, it makes payments directly to your health care providers. You may be required to pay a part of the cost (co-payment) for some medical services.
The Maine Health Insurance Maine Rx Plus program is open to all Mainers. It has been designed to help reduce the high cost of prescription drugs for qualifying Maine residents. Once you're enrolled, you can show your card at participating pharmacies in Maine for valuable savings on a wide range of approved prescription drugs.
There are two kinds of benefits: for regular members there are savings of up to 15% on brand name drugs and savings of up to 60% on generic drugs.
The second part of the Maine Health Insurance Maine Rx Plus program has been designed for Maine’s elderly and disabled residents commonly referred to as DEL. If you are a part of the Maine Health Insurance DEL program you will see cost savings through Maine Rx Plus, as well as benefits under DEL. DEL members pay 20% of the cost of prescriptions plus $2.
Maine Health Insurance has a great program which is a part of the national network for State Health Insurance Assistance Programs or SHIPs. Maine Health Insurance SHIP is there if you have Medicare insurance, or expect to have it soon. Their trained health insurance counsellors are available give you information about Medicare and other health insurance issues.
Maine Health Insurance SHIP can also teach you all about programs in Maine that help lower the cost of prescription drugs and other out-of-pocket medical expenses. The services offered by Maine Health Insurance SHIP are free, confidential and available to older people and people who have Medicare because of a disability.
Maine Health Insurance offers Medicare for Maine residents who are ages 65 or older, under age 65 with certain disabilities, and at any age if you have permanent kidney failure requiring dialysis or a kidney transplant. Maine Health Insurance Medicare covers certain medical services and items in hospitals and other settings.
Maine Health Insurance Medicare offerings are best understood when they are broken down into their constituent parts:
Maine Health Insurance Medicare Part A is designed to cover inpatient care in hospitals and skilled nursing facilities. It also covers some of the expenses related to hospice and home health care. The majority of Maine Health Care Medicare subscribers automatically get Part A coverage without having to pay a monthly payment.
Maine Health Insurance Medicare Part B assists with the costs related to medical care like doctors’ services, outpatient care, and certain preventive services. Part B is optional and you would need to pay a monthly premium for this coverage.
Maine Health Insurance Medicare Part C is a set of health plan options that are approved by Medicare and run by private companies. This is a different way of getting Medicare coverage than the more traditional Medicare plans.
Maine Health Insurance Medicare Part C includes Part A and Part B coverage, extra benefits, and may include prescription drug coverage.
Maine Health Insurance Medicare Part D is an outpatient prescription drug plan that is provided by companies approved by Medicare. Part D is optional and you usually pay a monthly premium in ordered to be a part of the program.
If you have a low income, you may be eligible for programs that pay the Part B premium, deductibles and co-insurances and co-payments. You may also be eligible for help with Part D out-of-pocket costs.
To learn more about all of these Maine Health Insurance Programs as well as other offerings check out www.healthinsuranceusa.com
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