Northern Benefits ME

Northern Benefits of Maine partners with clients to compliment and add resources to their HR and Benefits programs. Our integrated approach provides our clients with the resources that small and mid-sized clients do not often have internally. Taking a holistic approach to the clients complete compensation package provides innovative solutions to balance benefits and cash compensation.

We believe in order to best serve the needs of our clients, employees and their families we need to take the time to learn your business structure, climate, corporate culture and the issues facing your employees. We do this by listening to you and your employees through onsite meetings and employee surveys. We will review all current plan documents, designs, claims, funding, networks, and contributions to identify the basis point and then using input from employees, management, the marketplace and benchmarking reports we will make recommendations to create the best value for your plan balancing cost, quality, coverage and out-of-pocket to employees.

We have invested in the technology and work with the best carriers to provide clients with the resources and services to support their benefits and HR plans. Our technology augments our support for employees but never replaces our on-site personalized service.

The Northern Benefits account management team provides you with in depth knowledge of the plans available including:

• Fully Insured Medical
• Self-Funded Medical, Dental, and Short Term Disability
• ASO Administrative Service Only Contracts
• Dental
• Vision
• Life and Accidental Death & Dismemberment
• Disability
• Voluntary Benefits
• Consumer Driven Plans
• Health Savings Accounts
• Health Reimbursement Arrangements
• Full Cafeteria Plans
• Pre-Tax Premiums
• Medical Spending Accounts
• Dependent Care Spending Accounts
• Pre-Tax Transit Programs
• Long Term Care
• Corporate Wellness Programs

Our industry experience and innovative solutions provide clients with options to support one of their biggest expenses, employee benefits. We continue to develop programs to attract and retain the best employees to support your business.

Maine Carriers

• Aetna
• Anthem
• Cigna Health Care
• Harvard Pilgrim Health Care
• The Choice Care Card
• Time Insurance
• Trustmark
• Delta Dental of Maine
• Assurant Dental
• Securian Dental