Medical, Dental, & Voluntary Products

Insure your clean bill of health

Medical, Dental, & Voluntary Products

  1. Analysis of your current health plan and a comparison between products from all major carriers on and off the marketplace – Aetna, Anthem BC/BS, Harvard Pilgrim, and Maine Community Health Options.
  2. Review of ACA laws that apply to employers, employees and individuals to assist you in determination of group size and penalties. Discussion includes employer mandates, individual mandates, essential health benefits, actuarial value, medical loss ratio, small business tax credits, group size laws that pertain to offering of coverage, COBRA and W-2 reporting rules, and employer notification.
  3. Enrollment services including one on one meeting with your employees to discuss the available options.
  4. Provide access to third party administration for Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), Section 125 Administration (pre-tax plans) and COBRA administration.
  5. Work closely with HR (human resources) staff to assist/guide them in new employee enrollment, benefit explanation, and group administration.
  6. Provide employee census templates to assist in quoting new business and renewals.
  7. Provide review of areas for potential cost savings between plans based on employee needs including multi-platform options.
  8. Comparison of HMO, PPO and HSA plan design differences and how it impacts your employees with regards to benefit, provider network and out of pocket costs.

Dental Insurance – Individual and Group
Dental health correlated to overall health, and we can help you navigate those
individual and group plan designs as well to give you option that works best for you
or your employees.

Voluntary Products
Have you considered adding voluntary benefits to your portfolio of products for your

Employees like choice and needs vary. Let us help your employees navigation those
choices and show them how it can coordinate and supplement your existing plan.

What Our Clients Say

Thank you, Lisa - for all that you have done and all that you continue to do. I will NEVER hesitate to send a client your way, and I will certainly never worry about whether or not they are in good hands.

- January M. Peavey

I wanted to thank you for assisting my grandparents with their business insurance. Your personal attentiveness as well as your attention to detail and hands on service was exceptional. Thank you very much for helping them to get the coverage they need at an affordable price.

- Tracy Bryant

The knowledge your office provides has made the experience positive for the customers I've sent to you. I want to express my sincere gratitude to you for all you do to make the process as stress free as possible.

- Darla Frost

I've always been a bit overwhelmed and hesitant when speaking to to insurance representatives for any type of insurance, but when I started working with Lisa concerning a side venture, all that changed. We ended up with coverage that far exceeded the 'other guys' and for a fraction of the cost. I would recommend her for any of you commercial insurance needs.

- Matthew J Hunt

Dear Peter, Thank you for your great service and care you have shown us. We will be getting our car back Thursday. It was actually a pleasure doing business with you and Macomber, Farr & Whitten… minus our car accident. Thanks again,

- J Walsh & J Sullivan

Peter, I appreciated your personal note that you sent. We have always received excellent service from your agency.

- Anita C.

Year after year, Lynn's insurance knowledge and situational awareness have enabled us to navigate complex changes to our employer sponsored health plan. Last renewal she spotted an overlooked, seemingly minor change in our group census that led to a 9% premium savings for the year.

- - Nathan C.

Working with Lynn has consistently resulted in insurance coverage that is affordable and cost effective. She is always focused on both our needs and resources while working tirelessly exploring all options.

- Thomas G. Warren

Reliable Service Since 1848

It used to be so simple. All an insurance agency had to do was offer a few different types of coverage: home, life, and eventually auto. Things hardly changed from year to year. Today, the world operates in a faster; more complicated manner. More is at stake. There’s a lot more to lose. Consequently, insurance is more complicated, too.

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