In 2012, more than 45 million Americans lacked health insurance coverage, including 145,000 residents of Maine. In many cases, it was because these people worked for companies that did not include health insurance coverage as part of their benefits package. For others it was because health insurance was simply too expensive. And for a number of citizens, it was because a pre-existing condition made it impossible for them to get coverage. Fortunately, the new healthcare laws will alleviate much of this problem by bringing more affordable coverage options to people in need and by forbidding health insurance providers from turning people away. If you are in search of a health insurance policy for yourself or your family in Maine, now is a great time to start comparing medical insurance quotes.
More than half of Maine’s residents suffer from one or more chronic diseases. People spend a lot of money each year treating these diseases, many of which are preventable. Early detection can treat preventable diseases effectively and efficiently.
Routine preventive healthcare includes age-appropriate testing such as colonoscopies and mammograms. These tests are very effective in identifying the presence of cancer at its earliest stages. Unfortunately, many new cases of colorectal and breast cancer surface each year. Yet many residents forgo screening tests that allow for early detection because they lack health insurance coverage. This is disastrous given the fact that these tests often save lives and reduce the overall cost of treatment.
The recently passed Patient Protection and Affordable Care Act requires that all U.S. citizens obtain healthcare coverage or pay a penalty. As part of this new law, the states have set up healthcare exchanges, or marketplaces, that enable those who do not receive health benefits through their employers, spouses or parents to purchase coverage at low group rates.
Different factors determine the costs for policies on the Maine healthcare exchange: the applicant's age, tobacco use, household income and the level of coverage purchased. Low-income residents who make too much to qualify for Medicaid will receive the most in federal subsidies to make this healthcare coverage more affordable.
Citizens of Maine who lack healthcare coverage often try to save money by avoiding medical examinations unless they are suffering from an illness, ailment or injury that makes medical attention absolutely necessary. Often, by the time they believe their health concerns warrant a visit to the doctor, their health issues have escalated to such a degree that wide-ranging and expensive treatment becomes necessary.
The Affordable Healthcare Act mandates that insurance companies cover preventive care, including annual physicals. These examinations typically include routine blood work and blood pressure screening and result in healthier lifestyles for patients. During these visits, doctors can educate their patients about any detected health risks so that the patients can make lifestyle changes that leading to longer, healthier lives. With a health insurance policy in place, residents of Maine can have the benefits of preventive care without worrying about costs.
An estimated 50 percent of all bankruptcy filings in the United States happen as the result of overwhelming, unmanageable medical bills. In 2011, 3,392 individuals in Maine filed for bankruptcy. In many cases, the individual could have avoided this demoralizing financial hardship by having access to suitable health insurance coverage.
It is not only major illnesses that can bring about excessive health costs. In a state where approximately 1 in 5 adults smokes cigarettes, smoking-related illnesses have led to expensive treatments. According to the CDC, in 2004, residents of Maine spent about $550 million on smoking-related expenditures, as follows:
If you are a smoker, you may want to speak with your doctor about smoking cessation techniques.
Navigating through the healthcare system can be confusing. With so many different plans, options, deductibles and premiums, it can be hard to decide which policy is right for you and your family. You probably have a lot of questions. An independent insurance agent in the Trusted Choice® network can provide the answers.
These agents, many of whom have offices in Maine, can provide you with a variety of medical insurance quotes and can then help you understand the coverage offered by each. Get started with your health insurance search; contact a Trusted Choice agent near you.