Bureau of Insurance

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Consumer Information

The Maine Bureau of Insurance is committed to making you aware of your rights and assisting you with complaints and questions about your insurance coverage. Before you buy, contact the Maine Bureau of Insurance.

Brochures

We provide brochures to help you with your insurance needs on auto, health, home, life, workers’ compensation and other insurance topics. They can be viewed online or ordered from the Bureau of Insurance. Many brochures are available in Spanish: Publicaciones en español

Life Situations: Tips & Information

Insurance concerns will vary depending upon where you are in life. The National Association of Insurance Commissioners (NAIC) provides general information for consumers at all life stages. Just click on a link below to learn more about auto, home, health, and life insurance issues that may affect you. Each life stage contains tabs, as shown below, with suggestions and considerations. For example, the Auto 101 tab will give you information about Auto insurance for the life stage you selected. If you have questions specific to Maine’s insurance regulations, you can always contact the Bureau.

Life Stage Links

• Young single persons
• Young families
• Established families
• Single parents
• Domestic partners
• Military
• Active reservists (Tricare)--Health insurance information for family members
• Raising grandchildren
• Senior citizens

Planning a road trip? Worried about an aging parent? Regardless of where you are in life, the following links may help you or someone in your family.

• Understanding an investment (Life Insurance)
• Know your options (Health Insurance)
• Get road trip ready (Auto Insurance)
• Create an inventory (Home Insurance)---Home Inventory spreadsheet (pdf)
• 10 Things to Know Before You Buy (Long-Term Care)

How to file a complaint

The Bureau can help you better understand your insurance and, when necessary, can contact an insurance company or agent regarding a specific case. If you feel that your insurance company has handled your claim or canceled your policy inappropriately or has treated you unfairly, the Bureau can help. A completed complaint form, with the appropriate signatures, authorizes the Bureau to investigate a complaint on your behalf.

How to find out more about an insurance company or agent

Is the company or agent licensed in Maine? Before buying insurance, make sure the company is licensed in Maine.

Call 1-800-300-5000 before you buy.

How is the insurance company rated? The following financial organizations provide ratings for insurance companies. You may also contact the Maine Bureau of Insurance for financial rating information.

• Standard & Poor's Corp
• A.M. Best
• Weiss Ratings
• Moody's Investors Service

Special topics

• Federal Trade Commission resources on Medical Discount Plans
• Financial privacy rights-- Frequently asked questions
• Information on annuities and how to make sure you're investing smarter and safer, please see: http://www.finra.org/Investors/ProtectYourself/InvestorAlerts/index.htm
• Maine Insurance Guaranty Associations-- Frequently asked questions

Glossary

Consult our glossary of terms to make sense of words you need to understand when buying insurance.

Satisfaction surveys

Please complete this general survey if you received assistance from the Bureau of Insurance and were not specifically helped by the Consumer Health Care Division, the Property & Casualty Division or the Licensing Division. The Consumer Health Care and the Property & Casualty Divisions, and the Licensing Division have their own surveys below.

• General Bureau of Insurance Satisfaction Survey

If you have used the services of the Consumer Health Care Division (CHCD) or the Property and Casualty (P&C) Division of the Maine Bureau of Insurance, please complete this survey.

• Consumer Health Care and Property Casualty Division Satisfaction Survey

Please take a few minutes to complete this survey if you are a licensee of the Maine Bureau of Insurance and have contacted us.

• Licensee Survey

 

 

 

 

 

 

 

 

 

Consumer Tools

• Consumer information
• Home Inventory Tool
• Compare Individual and Small Group Health Insurance Policies
• Brochures
• File a complaint
• Glossary of terms
• Cancellation/Nonrenewal Notices
• Helpful links
• PPACA Filings/Rate increases
• Long Term Care Partnership

Industry Tools

• Physician Tiering Program Reporting
• Online Data Reporting System
• Company forms and information
• Producer and Business Entity forms and information
• Address change forms
• Fees
• Cancellation/Nonrenewal Notices
• Request for proposal
• Domestic Insurance Company Annual Statements

Employer Tools

• Workers compensation insurance
• Health insurance information
• Rural Medical Access Program

Health Care Provider Tools

• Any Willing Pharmacy Requirements

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