CoverME.gov allows you to shop for and enroll in Marketplace plans, which are comprehensive health insurance plans that protect you from financial risk if you get sick or need care. Marketplace plans on CoverME.gov cannot turn you away or charge you more for having a pre-existing condition.
Essential Health Benefits
All plans offered on CoverME.gov are required to cover a certain set of benefits outlined in the Affordable Care Act, known as Essential Health Benefits. The Essential Health Benefits include:
- Ambulatory patient services
- Emergency services
- Hospitalizations
- Maternity and newborn care
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory Services
- Preventive and wellness services and chronic disease management
- Pediatric services, including some dental and vision care (included for children only)
Get more information on Essential Health Benefits.
Enrollment and Financial Assistance
There is financial assistance available to most people who shop for Marketplace plans on CoverME.gov. Open Enrollment begins November 1. You may still be eligible to enroll outside of Open Enrollment if you have experienced a qualifying life event -- like losing the insurance you get through your job, getting married or divorced, or having a baby. These events would qualify you for a Special Enrollment Period, which means you may be eligible to enroll in a plan outside of the annual Open Enrollment period.
Rate Filings
In Maine, the Bureau of Insurance Reviews the prices of Marketplace Health Insurance Plans each year. More information about annual rate filings, and the process for public input on approval of health insurance prices, is available from the Bureau of Insurance.