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Maine Insurance FAQs

• Q: How Is The Cost Of Workers Compensation Insurance Determined?
  A: The cost of workers' compensation insurance is based on the hazards associated with the type of jobs related to the employers' business classification. Each business … More
• Q: How Much Time Does The Life And Health Insurance Company Have To Pay My Claim?
  A: Regarding health, policy language would dictate a time frame for providers to submit claims. Proof of loss would be required in any disability claim, and a death … More
• Q: What Effect Will Repeated Cancellation For Nonpayment Have On My Ability To Find Medical Coverage In The Future?
  A: Maine is a guaranteed issue state regarding health insurance. This means you cannot be turned down for individual health insurance in the State of Maine. However, the … More
• Q: I Need Individual Health Insurance. What Can I Do?
  A: Individual health insurance is guaranteed in Maine. That means that anyone can get coverage regardless of health. Additionally, rates can't be raised because of health … More
• Q: My Insurance Is Denying A Claim Because They Say Its A Pre-Existing Condition. Can They Do That?
  A: Maine has a continuity law that applies to group and individual health insurance. If you haven't had coverage, then a 12 month exclusion period may be imposed. … More
• Q: I Dont Want My New Insurance Policy. Can I Give It Back To The Company?
  A: This depends on the type of insurance you bought. Medicare supplement and credit insurance have a 30 day period during which you can cancel the coverage and have your … More
• Q: I Want A Medicare Hmo. Can I Get This In Maine?
  A: Currently Maine has one HMO that is offering coverage to Medicare beneficiaries. This is available only in certain areas of the state. For more information on Medicare … More
• Q: If A Pcp Referred Specialist Refers Me To Another Provider, Do I Need To Notify My Pcp Or My Health Plan?
  A: Yes. You must contact your PCP and receive your health plan's authorization before seeing any other provider in order to receive the greatest benefit level from your … More
• Q: How Long Does It Take A Health Plan To Approve Or Disapprove A Referral From My Pcp?
  A: For initial determinations, a health carrier or the carrier's designated URE shall make the determination and so notify the covered person and their provider within 2 … More
• Q: I Took The Long Term Care Deduction On My State Of Maine Income Tax And Was Notified That My Policy Was Not Certified And The Deduction Could Not Be Used. Why?
  A: You do not have a "Long Term Care" policy as defined in Maine law, 24­A MRSA Chapter 68. In order for a policy to be certified by the Superintendent as a Long Term … More
• Q: What Is An Elimination Period?
  A: The number of days of care that you pay out­of­pocket before the insurance company begins to pay benefits.

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