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Best Health Insurance Agencies in Maine

2023

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Website
100 Main Street, Maine, ME 04009
  • Individual Health Insurance

Why choose this provider?

Chalmers Insurance Group caters to Maine. It provides group policies that include dental, vision, life, disability, and health insurance. The company is an independent agent that offers homeowners, antique auto, umbrella, identity fraud, pet, and wedding insurance coverages. Its policies come from various providers, and its staff helps clients evaluate the right plans and coverage for them. This family-owned enterprise has community involvement at its heart and supports selected 501c3 charities. It has been offering a personalized approach to insurance for over 165 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (106)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
590 Main St., Maine, ME 04543
  • Individual Health Insurance

Why choose this provider?

Reed Family Insurance Advisors is a family-owned and family-operated agency that serves individuals and senior citizens in Maine and its surrounding communities. It provides health insurance plans that cover health care expenses for treatment of long-term illnesses and regular doctor checkups. It also offers long-term care and Medicare policies. Its crew of independent insurance agents shops and compares health insurance coverages from various companies, including Aetna, Harvard Pilgrim HealthCare, and Community Health Options. Founder Nate Reed has been active in the insurance industry since 2018.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
36 Main Road North, Maine, ME 04444
  • Medicare Supplement Insurance
  • Individual Health Insurance
  • Life Insurance

Why choose this provider?

Since 1927, F.A. Peabody Insurance has been assisting Maine clients in choosing health plans. It puts up diverse health and supplemental policy options, including Medigap, cancer coverage, long-term medical care, dental plans, disability assistance, and group benefits. The insurance agent's carriers include Community Health Options, Anthem, and Harvard Pilgrim Healthcare. The family-owned company helps customers understand the Affordable Care Act and the gaps in their current health policies. It also offers auto, homeowner, and life insurance, as well as affinities and bonding.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (63)
Google
4.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
328 Harlow Street, Maine, ME 04401
  • Group Plans

Why choose this provider?

BroGue Insurance & Financial Services is a family-owned independent agency that has been assisting individuals and families across Maine for over 30 years. It carries a variety of policies, including group health, life, and disability insurance. It also offers insurance products that cover dental health, long-term care, and trip cancellation as well as various commercial policies like general liability, workers' compensation, and flood insurance. The company represents over 22 insurance carriers like Allstate, Hagerty, and Union Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (19)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
377 Hogan Road, Maine, ME 04401
  • Life Insurance
  • Individual Plans

Why choose this provider?

Quirk Insurance helps clients financially prepare for the future by offering health coverage plans for individuals and groups. Its agents also assist in acquiring coverage from the Health Insurance Marketplace and cater to those requiring life, commercial, auto, and homeowners insurance. Quirk Insurance is committed to making the process easy for its clients by assessing and recommending coverage suited to their needs. It is an independent agency representing various providers in Maine, including UnitedHealthcare, Aetna, Anthem, and Community Health Options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.5 / 5 (28)
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
108 Madison Avenue, Maine, ME 04976
  • Life Insurance
  • Individual Plans

Why choose this provider?

Skowhegan Insurance Agency Inc. is an independent firm established in 1981, serving customers in Maine and its neighboring metros. It caters to policy buyers looking to purchase health and life insurance options. These options include Medical Supplement and Advantage insurance, Part D Prescription Drug plans, long-term care, and annuities. Its agents collaborate with customers to find a policy that meets their needs. They represent a variety of insurance carriers and also offer commercial, auto, and home coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
156 Main Street, Maine, ME 04009
  • Life Insurance

Why choose this provider?

For more than 15 years, Southern Maine Retirement Services has been working with clients across the state. The agency guides individuals on Medicare's range of insurance coverage options, from hospital stays to medical equipment. It also sets up Medicare Part D, which allows policyholders to deal with expenses related to prescription drugs. It has experience helping individuals not receiving Social Security benefits in qualifying for Medicare. The agency is a family-owned enterprise. It runs a blog that contains educational posts on topics like retirement planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
227 Main St., Maine, ME 04609
  • Group Plans

Why choose this provider?

Lynam Insurance Agency has been serving clients in Maine for more than 130 years. It carries health insurance plans for individuals and families, including dental and short-term medical. It also offers a wide variety of personal coverages to protect assets like homes, automobiles, and valuable items. The agency is associated with multiple carriers, such as Acadia and Allstate, in resolving claims processes due to losses and accidents. In addition, its agents also guide customers in choosing the right residential or commercial property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (18)
Facebook
4.5 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
51 Main Street, Maine, ME 04901
  • Individual Health Insurance
  • Life Insurance

Why choose this provider?

GHM Insurance is an employee-owned insurance agency serving families and businesses in Maine. It offers an extensive list of health insurance programs from the various carriers it works with, including Anthem BlueCross BlueShield, National General, The Hartford, Liberty Mutual, Acadia Insurance, and Providence Mutual. It also offers life, disability, dental, car, and home insurance. The agency has been in business since 1901, and its team of agents has more than 350 years of combined experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (40)
Google
4.8 / 5 (21)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
P.O. Box 578, Maine, ME 04843
  • Dental and Vision Insurance
  • Individual Plans

Why choose this provider?

Allen Insurance and Financial, which was established in 1866, is an employee-owned company assisting individuals, families, and businesses in Maine. The independent agency helps clients select and obtain Medicare and individual health insurance plans. It also provides risk management assistance for homeowners, drivers, and travelers. Every Friday, each team member dresses casually and pays a dollar for this privilege. The money raised from this is matched by the firm and is used to buy Christmas gifts for families in the community.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
56 Main Street, Maine, ME 04963
  • Life Insurance

Why choose this provider?

HB Insurance is an Oakland-based agency that works with clients across Maine. It offers health insurance products that enable individuals to manage costs related to illness or injuries. It also works with businesses and advises them on complying with federal and state laws involving employee benefits. HB Insurance provides other policies that cover vehicles like ATVs, motorcycles, snowmobiles, and boats. The agency has been helping the community since 1928. Matt, its principal, is a Chartered Property Casualty Underwriter.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (10)
Google
4.4 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––
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Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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