COBRA Insurance In The State Of Maine
Like all states, Maine follows the federal COBRA law, which allows eligible employees of companies with 20 or more workers to continue their employer-sponsored health insurance after a qualifying event.
In addition, Maine law includes a state-level continuation provision for employees of small businesses with fewer than 20 employees. This rule, often referred to as mini-COBRA, provides up to 12 months of continued coverage for eligible individuals under fully insured group plans.
QUICK CHECK
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 provides state continuation coverage for employees of small businesses not subject to federal COBRA. This law allows eligible individuals to continue their group health insurance coverage for up to 12 months after a qualifying event, such as a temporary layoff or job loss caused by a work-related injury or illness. Coverage is only available if the employer’s plan is fully insured.
- Applies to employers with fewer than 20 employees.
- Insurers may require up to six months of prior employment before the qualifying event.
- The employee must elect continuation coverage within 31 days of the layoff.
- Coverage can continue for up to 12 months from the last day worked.
- The individual must pay the full premium, including any administrative fees.
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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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