BUSINESSES: Allen Insurance and Financial works with hundreds of employers to design and implement employee benefit health insurance programs.

With the passage of the federal Affordable Care Act, health insurance is becoming more complicated; Allen is committed to working with groups to make sure that they understand all of the options available to them and to help them make the right choices both for their organization and their employees.

Flex Benefit plans and Health Savings Accounts (HSAs) can help employers and employees achieve coverage with maximum tax benefits at an affordable cost, while Wellness programs can yield long-term cost benefits…and keep your workforce healthier.

Many people rely on their employer to provide them with health insurance. Providing quality health insurance is one of the most important factors in attracting and retaining employees.

INDIVIDUALS: At Allen Insurance, we’ll show you a range of options and help you choose a health insurance plan that best fits you or your family members’ current financial and medical situation.

We’ll work with you on the Federal Health Insurance Marketplace (part of the Affordable Care Act), or, if circumstances require, be your liaison to an insurance carrier to find the right coverage for you and your family.

Sign-up is just the start. Our experienced health insurance specialists can work with you on all matters of claims and billing.

And if you travel for work or pleasure outside of the U.S., we have access to a wide array of insurance products to keep you covered when you’re abroad.

Dental Insurance

Dentists can tell a lot about a person’s health by examining their teeth, gums and tongue.

Did you know:

  • Individuals with dental coverage are more likely to schedule preventive procedures on a regular basis?
  • Tooth and gum disease are likely indicators of serious medical issues like oral cancer, diabetes, coronary artery disease and stroke?

INDIVIDUALS: Whether via the Maine Health Insurance Exchange or direct with an insurance carrier, your Allen Insurance and Financial health insurance specialist can help you find the dental coverage that’s right for you.

Use one of these three links to get a quote or enroll for coverage. Remember: We’re here to help with your questions.

BUSINESSES: Our clients offering group dental stand out from their competitors in the local business community. For a relatively low cost, they gain an effective tool to attract and retain employees.

People will make a positive connection between their oral health and maintaining their overall good health. Employees with dental benefits tend to have a brighter view of their employee benefit plans.

  • Individuals with dental coverage are more likely to schedule preventive procedures on a regular basis.
  • Tooth and gum disease are likely indicators of serious medical issues like oral cancer, diabetes, coronary artery disease and stroke.
  • An employer providing a dental benefit to its employees has a strong, differentiating employee benefit.

Dental insurance ranks the as the second most asked-for benefit by employees after health coverage. For those employers who cannot afford to absorb the cost of fully funding employer paid dental programs, voluntary dental benefits have become a great solution.

With Voluntary Dental benefits, employers may choose from an array of deductibles, benefit percentages, maximum benefit options and coverages, from preventive and basic services only to comprehensive options covering major care and orthodontic services.

Allen Insurance and Financial’s voluntary department helps our clients through each step of their benefit; with the many different companies we have attached the forms and contact information, needed to help our clients through this claims and service process.

Vision Care Insurance

The need for vision care has grown stronger than ever. Today, more than 63 percent of American adults use some form of vision correction like glasses or contacts.

INDIVIDUALS: Your Allen Insurance and Financial insurance specialist can help you find the vision care coverage that’s right for you.

BUSINESSES: Vision care insurance can be part of the health insurance benefits you offer to your employees.

We work with VSP Vision Care.
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Are you turning 65 this year? Have you recently qualified for Medicare due to a disability? If so, we’re here to help you navigate your Medicare options.

As an independent insurance agency, Allen Insurance and Financial represents many of the popular Medicare companies, including:

  • AARP via United Healthcare
  • Anthem Blue Cross and Blue Shield
  • Harvard Pilgrim Health Care
  • Humana
  • Martin’s Point
  • Mutual of Omaha
  • Silverscript

We would like to help you find the right plan for your needs at a cost that fits your budget. Best of all, our services in helping you review your options and enroll in a plan are available at no additional cost. After you’ve selected a plan we’re also here to service your policy and ensure  you have a trusted advisor on your side.

Call Anna or Jo-Ann at 855-710-5700, or …

Updated: 1/26/18

Marine Health

With Allen Insurance’s strong marine background and knowledge, we take pride in representing the best marine health insurance carriers and finding one that best fits your lifestyle.

Until now, mariners have been forced to purchase health plans that are technically not health insurance policies. The differences between these policies, called “Non-Admitted, Surplus Coverage,” and conventional Admitted Health Insurance can have far-reaching consequences. Allen has the knowledge to navigate these differences and ensure your personal health and financial security.

For information, please call our office or use our online quote form.