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Health Coverage in Maine by Mae Bruno






Article Author Biography
Health Coverage in Maine by
Article Posted: 05/22/2012
Article Views: 488
Articles Written: 1
Word Count: 533
Article Votes: 0
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Health Coverage in Maine


 
Business,Ezine,Internet Marketing
Health coverage is one of the most important priorities every US citizen should have, especially in the Maine. Health care services could be really costly and you wouldn't actually know when you'll need these services. That is how exactly insurances work. You buy them as early as you can so you could be assured of a protection or assistance whenever you need it anytime. Since hospitalization is not a scheduled event and it usually comes most of the time on an emergency or an accident, then a health care security would be much of a good help. The Bureau of Insurance is the government unit responsible for the regulation of the processes of health insurance companies in Maine. One of the main health policies offered in the Maine is the Dirigo Choice. Dirigo Choice is provided by the state to help those residents who are neither covered with any health insurance from their employers nor a government health care coverage. Maine health insurance plans are basically costlier than the average rate of health insurances because the state does not allow any insurance company to refuse an application from any resident no matter what their health conditions are. Because insurers are not allowed to reject an application, they enforce conditions that make sure every individual who apply for Dirigo Choice must have continuous health coverage or they will be charged for fines or penalties. As for the health benefit provided for by the government to the citizens, they are only applicable to residents who are indigent and cannot no longer afford to get coverage. This is generally called the Medicare of MaineCare. MaineCare is specifically applicable to pregnant women, disabled individuals, elderly people, and children 18 years old and below. Most employed individuals in the Maine are covered for by the company. However, to those who are unemployed, it could be quite difficult for them to get health care assistance. It would be good if they can avail of the Medicaid, but there are also those people who can't get covered by it. This is why some families do not get coverage. Health care in the US is undeniably expensive that getting a plan is almost a requirement for every member of the family. Plans are quite costly and it could get a lot more expensive if you get help from financiers. However, there are some helpful tips you can follow to save on health care service insurances. As most experts would say, you have t get your insurance as soon as you can and update them the soonest time possible. The earlier you get your insurance the better premium rates you are going to pay. When you are much younger, health insurance carriers would think of you as somebody who is healthy and would be less likely to use the policy. If you are older, you will be considered as someone who belongs to the high risk group and thus, have a high possibility of seeking health care. This is true to most cases in the US, but the state of main does not permit rejection of application related to health conditions so it should not be much of a problem.

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