Several different reasons exist for needing Maine temporary health insurance, including unemployment or having a part-time or temporary job. It is also necessary while you are waiting for standard health insurance to begin. Maine state temporary health insurance also can replace the more expensive Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not service policy holders of temporary medical insurance. Maine policy holders normally can receive care from any licensed health care provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Maine:

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Maine short-term medical insurance policy holders should eventually obtain long term insurance.

2. Maine temporary medical insurance generally covers unexpected injuries or illnesses but is not normally used for preventative care or routine examinations.

3. Temporary Maine health insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, and is not required to be issued or renewed to all applicants. Maine temporary medical insurance providers also have the option of refusing applicants based on a pre-existing condition.

Action Steps
The best contacts and resources to help you get it done

Acquire prices on Maine temp health insurance policies

Maine temp health insurance is available in a range of prices, but it usually costs significantly more than a long-term policy.

I recommend: Find the prices of plans from ME temporary health insurance companies at Kyes Insurance. It is are based in Farmington, Maine, and represents all of the major health insurers in Maine.

Investigate the different plans for Maine temporary health coverage

ME temporary health insurance is frequently designed for particular groups or medical conditions. You will save a substantial amount of time when you know a policy's purpose before studying it in detail.

I recommend: Contact the Holden Insurance Agency for a description of their Maine temporary health insurance plans. You can also contact their insurers directly for health insurance information.

Obtain customized quotes for temporary health insurance in Maine

You can provide your personal information for a more accurate quote when you apply for temporary health insurance. Maine residents can use a website that will send an application to multiple Maine temporary health insurance providers.

I recommend: Contact Mega Life and Health directly for affordable health insurance. This Bangor-based provider is licensed to sell health and accident insurance in Maine.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Maine usually lasts for a maximum of six months but you can frequently get approval for a second policy. This generally requires that you have not made any claims under the first policy, haven't experienced significant changes to your health and your total coverage for all plans does not exceed one year.
• •  Look for any clauses in your policy that cover disabilities beyond the stated termination date of the temporary medical insurance. Maine temporary health insurance policies will often pay for total disability until specific criteria have been met. These might include treatment no longer being required, the expenditure of a fixed benefit amount or the elapse of a certain amount of time past the termination date. Many plans will also pay a fixed amount for partial disability after the termination of the policy.