Recent comments in /f/Maine

alpha417 t1_j6dempf wrote

Reply to comment by Anstigmat in Maine insurance for family of 3 by EngineeringTop5843

>at all possible have you or your spouse get a job with healthcare.

not all jobs in Healthcare come with great health benefits. spouse and i both work in Healthcare and the best option for family is a 30k out of pocket max, terrible prescription cvg, referrals for everything and 250/500 for appts.

just being in the field isn't a Golden Ticket. do your research

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metalandmeeples t1_j6dcedy wrote

Reply to Any recommendations for high-quality home builders in Maine? by FeloMonk

Fortin Construction. They offer turnkey packages so you don't need a construction loan. You'll likely need 20% down, however, unless you already have land. It's worth mentioning that you will pay more to build now that homes aren't appreciating by 20% a year any longer. You also will be in a holding pattern waiting to find out what your mortgage rate will be as the building process is likely ~2 years at this point. All that said, we love our Fortin Construction home and would choose them again in a heartbeat.

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Anstigmat t1_j6d9jon wrote

Reply to Maine insurance for family of 3 by EngineeringTop5843

If at all possible have you or your spouse get a job with healthcare. If not possible you have to use thr Maine exchange which has comparison tools, it will also tell you if you are in fact eligible for a subsidy. Kids ease that more than two childless adults. They really fuck a married couple when you don’t have kids. The plans will either be in unaffordable or complete shit. American health care is a wealth transfer scam from working people to the wealthy so, pucker up! We have community health options which we can afford. It covers very little and has a 14k-ish deductible.

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Darcola123 t1_j6d7imh wrote

Reply to Maine insurance for family of 3 by EngineeringTop5843

Employer insurance is the cheapest but you're unfortunately stuck with whatever they've deemed appropriate, and it doesn't usually cover things like mental health. You also have to make sure everything you do is in network or thr price gets crazy high.

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schenk-n-stein t1_j6d5xna wrote

Reply to Does Aroostook county have good medical care for medically complex people? by frigid_tit

No. Most people end up moving to Southern Maine or out of state if they have medical issues. Most major medical surgeries, treatments, etc. are done Bangor south. There are some mental health facilities in Aroostook, I think NMMC has the only pediatric psych ward in Aroostook, the next closest is Bangor. Aroostook is beautiful, senic, and a great place to live in a fairly safe environment, but it's a nightmare for medical care.

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Practical_Magic_68 t1_j6d5f7l wrote

Reply to Maine insurance for family of 3 by EngineeringTop5843

If you have an employer who offers group coverage, that may be your option. If you are without coverage, Maine has its own state exchange. Www.CoverME.gov

There are three carriers in Maine. Depending on where you are located will be part of your decision making process.

Cost will be predicated upon your income. But don’t assume the least expensive will work for you. You must consider what you want in a plan.

You can have help with this by looking for local agents/brokers or navigators. This help can be found thru the website. I encourage you to do this as opposed to striking out on your own. There is no cost to you whether you use them or not. It can be confusing enough, I strongly recommend you go to the website mentioned above.

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