Thursday 7 April 2011

Health Insurance, Life Insurance

NAIC) National Association of Insurance Commissioners
The National Association of Insurance Commissioners (NAIC) is the organization of insurance regulators from the 50 states, the District of Columbia and the five U.S. territories. The NAIC provides a forum for the development of uniform policy when uniformity is appropriate. NAIC members are the elected or appointed state government officials who along with their departments and staff regulate the conduct of insurance companies and agents in their respective state or territory.

MaineCare is Maine's Medicaid program. It includes Maine's Children's Health Insurance Program (CHIP), which provides MaineCare coverage to children under 18 whose families have a higher household income. It also includes coverage for pregnant women whose gross monthly household income falls below specific limits. Eligibility is based on state residency. There is no waiting period and enrollment is open. Coverage is extremely comprehensive.Insurance Premiums are range from free to a maximum of $64 per month, depending on income level. Modest co-pays may be required for some services based on income.

you to select a primary care physician from a prescribed network of providers, who must issue a referral before you can see a specialist. Services and covered costs are typically more comprehensive than those provided by a PPO. HMOs offer the advantage of affordable insurance premiums and low out-of-pocket costs, with an emphasis on preventive care.  Non-emergency services out of network are usually not reimbursed

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