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OTHER TYPES OF COVERAGE

Q 78: What is available in the market outside Maine’s Health Insurance Marketplace?

In Maine, health insurance will continue to be available in the market outside Maine’s Health Insurance Marketplace. However, if consumers want to take advantage of subsidies to help pay for their premiums, they must buy coverage through Maine’s Health Insurance Marketplace.

Consumers still will be able to buy plans in the market outside the Marketplace that don’t cover the essential health benefits, such as insurance coverage and discount plans that include only specialty or ancillary services (for example, hearing, chiropractic, etc.). Note, though, that these plans do not provide minimum essential coverage and will not satisfy the individual mandate. The National Association of Insurance Commissioners (NAIC) has more information on these types of plans: www.naic.org/documents/consumer_alert_high_deductible_plans.htm www.insureuonline.org/consumer_guide_cancer.pdf

Q 79: If consumers already have coverage, may they buy separate policies for their children?

Consumers who already have coverage for themselves are eligible to buy a policy for a child through Maine’s Health Insurance Marketplace. Any health plan offered through the Marketplace also must be offered as a child-only plan at the same tier of coverage. Consumers also may be eligible for tax credits for child-only plans they buy through Maine’s Health Insurance Marketplace.

However, children who aren’t citizens or legal residents of the United States aren’t eligible for child-only plans through Maine’s Health Insurance Marketplace. Consumers may be able to buy a child-only policy in the market outside Maine’s Marketplace, either directly from an insurer or through an agent or broker.   

A child also may be eligible for MaineCare.  To learn more, visit www.insurekidsnow.gov.

Last Updated: October 4, 2013