“I need health insurance - should I do it myself?  Should I use a Navigator? Or should I use an Agent/Broker*??”

• Health insurance agents and brokers are licensed by a state’s department of insurance. Insurance is their chosen career that they work at every day – to assist customers in finding and purchasing the right insurance to meet their needs. Navigators are frequently volunteers or may work for non-profit organizations and community organizations to assist individuals with insurance related matters only during the once a year open enrollment period.
• Only an agent can recommend a plan based on someone’s health care needs and budget; navigators are trained to help you ‘navigate’ the government website but are prohibited from providing any plan recommendations.

Licensed agents must also pass additional professional examinations at the state and federal level and participate in continuing education programs in order to assist insurance customers before, during, and after enrollment. That ongoing education helps ensure their knowledge in the health insurance field is current. Navigators, on the other hand, don’t have the same education and preparation requirement.

Lastly, agents can work with clients to identify other gaps in coverage such as ways to help cover high deductibles, disability or indemnity coverage to provide income replacement, life insurance, standalone dental plans and more.

Health Insurance

• Affordable Care Act compliant plans (all carriers doing business in Maine)
• Chronic Illness Support Programs
• Health Insurance Marketplace assistance to obtain insurance tax credits
• Subsidized plans for qualified applicants
• International Travel Medical Insurance

Ancillary

• Dental: Click Here for more information about Delta Dental.
• Vision: Click Here for more information about Vision care.
• Hearing

Indemnity plans (If sick or injured, who pays you?)

• Critical Illness Indemnity plans
• Cancer Plans
• Heart Attack/Stroke Indemnity plans
• Accident Plans

Disability

• Short and long term disability (income protection)
• Accident only disability
• Buy-Sell and Key-Man policies

Workplace Benefit Plans

• Individual Coverage Health Reimbursement Arrangement (ICHRA)
• Group Health
• Self-funded Group Plans
• Group Disability
• Group Life
• Group Indemnity Plans
• Group Dental

Contact Wayne today for an appointment with a licensed agent/broker!

Subsidy Calculator - Premium Assistance for Coverage in Exchanges: Click Here