Even if you haven’t qualified for free or low-cost MaineCare coverage before, it’s time to check it out again, because more Mainers are now eligible.
MaineCare provides low-cost and free health insurance to Mainers who meet certain requirements, based mostly on household income.
What Does it Cover?
MaineCare covers doctor visits, emergencies, substance use disorder treatment, prescription drugs, and more.
Am I Eligible?
You probably qualify for MaineCare if your current monthly income (before you pay taxes) is at or below the limits in the chart below:
|Household Size||Pregnant Women|
(add 1 to household size for each baby expected)
|Each additional family member||$789||$594||$509|
Even if you make more, you may still qualify.
You can find more detailed income limits in this summary of eligibility guidelines. And you can call 1-800-965-7476 to get in-person help understanding your specific situation from Consumers for Affordable Health Care.
You can apply for MaineCare at any time of the year, but don’t wait to get covered.
COVERAGE THROUGH HealthCare.gov
Most Mainers who don’t have affordable coverage through their job, and who don’t qualify for other insurance (like MaineCare, Medicare, or Military or Veterans coverage) can apply for quality coverage through the Health Insurance Marketplace at HealthCare.gov.
Open enrollment for HealthCare.gov coverage in 2020 is now closed, but you may still be able to apply through a special enrollment period if you’ve experience a life change like getting married or divorced, having a baby, changing jobs, or losing your current source of insurance.
Learn more on HealthCare.gov.
OWN A SMALL BUSINESS?
If you own a business, visit the Bureau of Insurance’s small business guide to learn more about options and considerations for offering coverage, and view rates for 2020 plans. If you have employees who aren’t covered, encourage them to visit CoverME.gov to understand their options for insurance through MaineCare or HealthCare.gov.
OTHER CONSIDERATIONS WHEN APPLYING FOR MAINECARE
For applicants age 55+
If you are 55 or older, you may have heard that signing up for MaineCare could put your home or savings at risk if you need long term services and supports like nursing home care. Although in some cases federal law does require Maine to try to recover costs of care from a beneficiary’s estate, the State only pursues this option in certain circumstances and has policies in place to protect family members and individuals experiencing hardship. Learn more about Estate Recovery.
For applicants who are immigrants
Beginning February 24, 2020, the federal government has changed the rules they use to decide whether some people applying for green cards and certain visas are likely to depend on government resources in the United States. These new “public charge” rules mean that, in some specific cases, enrolling in MaineCare might make it more difficult to have an immigration application approved.
It is important that anyone who might be impacted understand when these rules do – and do not – apply. The new rules only impact people applying for family-based green cards and certain visas, and do not apply to refugees, asylees, asylum seekers, and people with other humanitarian statuses. Only the applicant individual’s use of benefits is considered under this rule, and it does not apply to enrollment in benefit programs by their family members. The organization Protecting Immigrant Families has a guide with more information if you’re wondering who is impacted by this change.
If you aren’t (or a person you are helping to apply for MaineCare is not) a citizen or lawful permanent resident of the United States and you have questions about this rule change, contact Consumers for Affordable Health Care at 1-800-965-7476.