Health insurance can be unnecessarily complicated. At LMR Insurance, we will help you to understand your options and assist you in selecting the best plan for yourself, your family or your business.
What Are Your Options?
When considering a health plan, it is wise first to understand what is available. At LMR Insurance we work with Anthem, Community Health Options, Harvard Pilgrim, and Aetna to ensure that you find the plan that best meets your needs.
Group Health Insurance
Aside from the payroll, employee benefits are potentially the most significant expense that an employer faces. However, given the current climate of the industry, group plans are a much more attractive option and may be more affordable than you think.
Individual and Family Health Insurance
Are you eligible to receive a premium tax credit to reduce your monthly premium? If so, what does that mean? Maine has three insurance companies offering multiple plans from which you can select. Which is the best for you? We can help you sift through the policies, premiums, deductibles and provider networks to find the best option based on your needs.
Affordable Care Act
The Affordable Care Act (ACA) has created many changes to health insurance in the past several years. Regulations have changed, and it is essential to remain current.
What Will It Cost?
Health insurance is black and white – in that you get what you pay for. Like auto insurance you can lower the premium if you have a higher deductible. It is essential to strike the perfect balance between costs and deductible to fit your budget. Unfortunately, health plans are not like they used to be, and it is more important than ever to understand your coverage before you commit.
The following must be taken into consideration:
Network of Providers
The Cost To See Your Doctor
What Is Covered In An Emergency
What Is Covered While Traveling