Associations, businesses and labor unions are eligible for Maine health insurance for groups. Group insurance usually requires at least two full-time employees with one contract covering the entire group.

Maine group health insurance providers also offer benefits to businesses in addition to medical care. A group health insurance plan usually costs less and offers greater coverage than a similar individual plan because the risk is shared by all of its members. Employer contributions to Maine group health insurance coverage are almost always tax deductible.

There are three key points to consider when evaluating a Maine group health insurance plan:

1. Employees must be treated only by health care providers that are in the network of the Maine group insurance company. You will want to ensure that there are enough providers in your area to cover your group's medical requirements.

2. Maine group insurance companies will not cover health costs until the deductible has been paid by the employee.

3. Maine medical insurance carriers will stop paying for treatment after the coverage limit has been reached.

Action Steps
The best contacts and resources to help you get it done

Dive into resources for Maine group health insurance

Start by locating private insurance providers as well as free clinics, local health programs and other resources to cover all of your insurance needs before buying from a Maine group health insurance provider.

I recommend: Find contact information for a variety of health-related organizations at Consumers for Affordable Healthcare. You may also request that specific group health insurance providers in Maine be added to this page.

Collect quotes from a variety of companies that provide group health insurance in Maine

Employees will want to join a group health plan if this option is available because the employer will pay for a portion of the group health plan. Group health insurance providers in Maine have a much lower requirement on the overall health of its policy holders than individual health insurance does.

I recommend: Go to insurelane.com to find major insurers that offer free quotes from Maine group insurance companies. These quotes will be based on your zip code and the type of health insurance that interests you.

Solicit a quote from a group health insurer in Maine

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group health insurance in Maine.

I recommend: Go to Health Insurance Providers and provide your zip code. They are partnered with a number of major health insurance agents that do business in Maine.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of group health insurance in Maine usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures much more closely than with a traditional health care plan.