COBRA Insurance In The State Of Maine
Maine, like every other state in the US, follows the federal COBRA law, which means that eligible workers who’s employers employ 20 or more workers in Maine have the ability to continue their employer-sponsored health coverage.
Additionally, Maine insurance code has a provision for limited continuation coverage for employees who work for companies with fewer than 20 employees. This provision, referred to as mini-COBRA, offers a year of continuation coverage to eligible employees.
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COBRA Eligibility
What Type Of Health Coverage Do You Need In Maine?
Coverage For Pre-Existing Conditions
COBRA
Medicare
Nearing Retirement Age
Maine Mini-COBRA Law
Maine has a mini-COBRA law, which offers limited continuation coverage to employees who work for companies with fewer than 20 employees. This law provides one year of continuation coverage to eligible employees who were laid off and had previously received health insurance through a fully insured policy provided by their employer. To be eligible, the layoff must be temporary or the result of an injury or illness covered by workers’ compensation.
Mini-COBRA differs from the federal COBRA law. For example, under mini-COBRA, insurers are allowed to require a minimum of six months of employment prior to the layoff and for employees to elect coverage within 31 days of the layoff.
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Health Insurance For Pre-Existing Conditions In Maine
In Maine, if you rely on frequent medical visits or prescription medications, keeping your work-sponsored health insurance can be a smart choice. Your insurance plan will continue to be the same as before and you won’t have to reset your deductibles. Coverage will resume from the date it ended, ensuring a seamless continuation of care.
Apply For COBRA
Employer Has 20+ Employees
As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average plan premium in Maine for marketplace health insurance was $449/month per person, according to the Kaiser Family Foundation.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available In All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
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