All business owners in Maine should think about providing their employees with Maine health insurance. It is possible for small businesses to get special Maine health insurance plans through several providers.

If your employees have a good Main health insurance policy, they are less likely to get sick. When you loose fewer days to employee absenteeism, productivity undoubtedly increases. No matter what needs your company has, Maine health insurance providers can take care of you and your employees.

Before you compare Maine health insurance plans, you should:

1. Think about whether you prefer to offer an HMO (Health Maintenance Organization), a PPO (Preferred Provider Organization) or a POS (Point of Service) plan. Each plan has distinct advantages and disadvantages.
2. Determine how much you can pay for your employees' health insurance in Maine. Some companies are able to pay the entire amount for employees' coverage while others require employees to pay a percentage.
3. Ask your employees whether they would use a Health Savings Account (HSA) in addition to their Maine health insurance policies. This will allow them to pay for qualified medical expenses with pre-tax dollars.
4. Make sure that your Maine health insurance carriers also offer vision and dental insurance.
   

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

Compare the cost of Maine health insurance companies

You should first look at the rates offered by different Maine health insurance providers. You can easily do this by filling out a short online form.

I recommend: By using EHealthInsurance.com, you can receive quotes from a variety of Maine health insurance companies. InsureMe.com offers a similar program.

Get great deals on health insurance in Maine with an agent

Health insurance specialists know all about the different insurance providers in your area. They are able to help you pick the company that is right for you. They are often able to receive discounted rates.

I recommend: The National Association of Health Underwriters has a searchable database. This makes it easy to find a health insurance agent in Maine.

Go to the source--Maine health insurance carriers

When you already know which Maine health insurance provider you want to use, it's convenient to buy insurance directly with them.

I recommend: Anthem Blue Cross and Blue Shield is a large provider of health insurance in Maine. They offer special plans for large and small businesses. Aetna also offers plans. Both of these companies have additional dental and vision care add-on benefits.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Many Maine health insurance plans include member wellness packages. These additional programs include such things as nutritional counseling, smoking cessation and stress management. It is often more beneficial to work on maintaining good health than treating health problems. Whenever possible, you should encourage your employees to participate in these wellness programs. Many employers incorporate them into the office environment.
• •  Dental and vision care may represent additional costs, but many employees need these services. By offering a full benefits package, you are ensuring that your employees will be happy and loyal to your company.