Code of Maine Rules
10 - DEPARTMENT OF HEALTH AND HUMAN SERVICES
144 - DEPARTMENT OF HEALTH AND HUMAN SERVICES - GENERAL
Chapter 335 - HEALTH INSURANCE PURCHASE OPTION
Section 144-335-2 - Eligibility Period

Health coverage through the Health Insurance Purchase Option may be purchased for a period of up to eighteen (18) continuous months.

The eligibility period begins the first month following the last month of MaineCare or Cub Care coverage. Coverage may be purchased under this option beginning with any month of the eligibility period. If application for HIPO is made after the first month of eligibility, coverage may be purchased retroactive to the first month of eligibility.

Example: MaineCare coverage for DiDi Smith, 7 years old, ended April 30, 2010 because her family income exceeded the maximum income limit at the time of the MaineCare review. DiDi is eligible for HIPO effective May 1, 2010 through October 31, 2011. An application for HIPO coverage was received on January 3, 2011 and retro coverage was not requested. Didi is eligible for HIPO effective January 1, 2011 through October 31, 2011 (10 months) as long as premiums are paid timely as outlined in Section 5 below.

The eligibility period ends if an individual withdraws voluntarily or is terminated for non-payment of premium. Individuals who withdraw participation in HIPO or are terminated cannot re-enroll for the remainder of the eligibility period.