Maine Insurance Superintendent Eric Cioppa, in a recent press release, urged Mainers who don't have health insurance to buy coverage during the extended Open Enrollment that is running now through August 15, 2021.
[Note: On March 23, this special enrollment opportunity was extended until August 15, 2021. This action will allow individuals and families more time to access the SEP and enroll in Marketplace coverage with the increased tax credits to reduce their premiums and for those currently enrolled to change plans in response to the increased tax credit availability.]
Cioppa said, "If you thought that you can't afford to buy health insurance, it's a good idea to take another look. Plans have changed, some rates have gone down this year, and depending on any changes to your income and household size, you may qualify for more assistance than in the past."
His good news came with some words of caution: "Mainers should be sure to use trustworthy sources to get the best healthcare coverage at the best price," Cioppa said. "We've received complaints from consumers who purchased plans they thought provided comprehensive coverage, but that actually have very limited benefits."
We are proud that Cioppa cites Community Health Options as one of only three trustworthy sources of comprehensive health insurance providers in Maine. To earn this distinction, we must provide broad coverage for office visits, lab work, emergency room visits, hospitalizations, and medications, and we are required by law to pay for a certain percentage of our Members’ medical costs.
Cioppa urges Maine people to beware of any organization offering health insurance that makes you feel pressured to buy or asks for financial information or a Social Security number over the phone. Always read plan materials carefully.
When in doubt, check with coverme.gov or call Health Options’ Member Services at (855) 624-6463 Monday through Friday 8:00 a.m. to 6:00 p.m.
Community Health Options has filed proposed rates decreases ranging from -24.7% to -4.3% for all individual and family health plans (as opposed to those health plans purchased through your employer). These rates are subject to regulatory approval and not yet final. If approved, they would go into effect January 1, 2021.