It's easy to get bogged down in the ideology and politics of the health care and health insurance industries. But when it comes to buying health insurance for you, your family, or your employees, the conversation takes on a very different tone. It's about making sure your loved ones, or your employees, are taken care of when it matters most. No parent, no child, no sibling should have to worry about where the money's going to come from (or fill out a 14-page form, for that matter) while the well-being of their loved one hangs in the balance in the next room. This is what health insurance is about in its most basic form.
Affordable Maine Health Insurance Quotes
The trouble is whether the primary income earner has been laid off or has no access to health insurance through their job, more and more individuals and families can no longer afford the premiums associated with a reliable and comprehensive Maine health insurance quote. And when the premiums can no longer be afforded, many people will raise their deductibles and lower their benefits until their health insurance policy no longer protects them from financial ruin and/or no longer guarantees them access to the health care services they need.
Going without Health Insurance in Maine
For the most part, the drawbacks of going without health insurance are self-explanatory. A study conducted by Harvard Medical School researchers suggest about 45,000 people die each year due to a lack of health insurance, which leads, in one form or another, to substandard health care and medical attention. Harvard researchers also indicated that, in 2007, sixty-two percent of all personal bankruptcies were due to medical problems, and seventy-eight percent of these filers had health insurance at the beginning of the illness.
In Maine, however, the vast wilderness and coastline create incredible opportunities for hiking, backpacking, scuba diving, etc. that can lead to the need for emergency care. Rather than experience the full beauty of the state, one may worry about broken bones and other injuries that can result even when property safety guidelines are followed. The biggest and most common risk of going without Maine health insurance is undoubtedly an illness that requires years of expensive, ongoing care, but with a culture that is synonymous with untamed wilderness, you shouldn't have to let the possibility of medical costs hinder your enjoyment of the state's many wicked good outdoor treats.
Access to Maine Health Insurance Quotes on the Individual Market
Maine is one of only a handful of states to guarantee access to the individual market continuously for all health insurance products and for all individuals. Self-employed individuals, moreover, have the option of seeking out health insurance on the individual market or the special "group of one" health insurance market. Unfortunately, despite this access, the state remains below the national average for health coverage on the individual market, according to data from the Centers for Medicare and Medicaid Services (CMS). The most likely reason for this disparity is that a larger percentage of Maine residents receive health coverage through Medicare and Medicaid than any other state in the country.
Find an Affordable Maine Health Insurance Quote
The best place to start your search for an affordable Maine health insurance quote is online with a comprehensive referral service, like the one here at NetQuote. It takes but a minute to submit a request for quotes from licensed insurance companies that are writing policies in your area. But this convenience confers more advantages than just speed. By putting the insurance companies directly in competition with one another and making carefully considered choices from the comfort of your own home, you're more likely to find and choose the best plan for you and your family and at the best cost. Plus, there's a built-in advantage by contacting insurance companies online in that it reduces overhead costs for these insurers allowing them to pass on some of these savings to their customers.