It is possible that Commissioner Ruthardt will find a buyer for the plan or made other arrangements for continued operations and there will be no need to change carriers quickly or at all. There are many unanswered questions at this time. You should explore the availability of other coverage. The only facts that we know at this time are that Commissioner Ruthardt in Massachusetts has stated that coverage and benefits will remain in place. We do know she has asked the court for a 30 day order and we expect that some decision will be made during that time.
Maine has continuity of health insurance provisions.
This means that even if you switch carriers, you will continue to have coverage for existing health conditions. However, it is possible that your physician or other health care provider will not be a participating provider in the new HMO or health plan you purchase, which may have an impact on the procedure you have scheduled. You should be prompt in submitting any claims. This provision is required by Maine law and prohibits medical providers from billing HMO members for in-network health care services owed by the HMO, even if the HMO fails to pay for the service. Rehabilitation is a procedure under the insurance code of Massachusetts pursuant to which the Insurance Commissioner, or someone she appoints, takes control of the operations of an insurance company or HMO when it is losing money and may be have difficulty staying in operation as a going concern.