Behavioral and mental health providers in Maine
PlanOptica tracks 9 health and welfare plans sponsored by 6 behavioral and mental health providers in Maine, covering 1,618 participants and $4.0M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 122 participants, and the most common size is under 100 participants (33% of plans). Fully insured coverage is the norm (89% of plans); only 11% are self-funded or mixed.
Cigna Health and Life Insurance Company leads by premium with a 33% share, followed by Unimerica Insurance Company at 33%. Cross Benefit Solutions is the broker of record on 4 plans, more than any other firm, ahead of Healey & Associates Inc (3). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $26K a year, about 10.4% of premium. Waterville, Augusta and Gardiner have the most plans.
Funding mix
- Fully insured8 · 89%
- Mixed1 · 11%
Plan size (participants)
- Under 1003 · 33%
- 100 to 2493 · 33%
- 250 to 4993 · 33%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 122 participants. Median broker comp: 10.4% of premium across 9 brokered plans.
Top carriers, behavioral health, Maine
- 1Cigna Health and Life Insurance Company$1.3M2 plans · 33.4%
- 2Unimerica Insurance Company$1.3M1 plans · 32.6%
- 3Standard Insurance Company$736K4 plans · 18.6%
- 4Harvard Pilgrim Health Care$439K2 plans · 11.1%
- 5Unum Life Insurance Company of America$89K1 plans · 2.2%
- 6Starmount Life Insurance Company$61K1 plans · 1.6%
- 7Red Tree Insurance Company, Inc$21K1 plans · 0.5%
- 8Employee Network, Inc$2K1 plans · 0.0%
- 9Guardian$01 plans · 0.0%
Top brokers, behavioral health, Maine
- 1Cross Benefit Solutions4 plans$113K comp · 44.4%
- 2Healey & Associates Inc3 plans$270K comp · 33.3%
- 3Cross Insurance-Bangor2 plans$10K comp · 22.2%
- 4Usi Insurance Services LLC1 plans$20K comp · 11.1%
- 5Bga Advisors1 plans$13K comp · 11.1%
- 6James R Nelligan & Assoc LLC1 plans$4K comp · 11.1%
- 7Bga Financial1 plans$700 comp · 11.1%
- 8Combined Services LLC Dba Csone Ben1 plans$305 comp · 11.1%
Largest behavioral and mental health providers in Maine
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Kennebec Behavioral Health Kennebec Behavioral Health Dental PlanAll plans | Waterville | Fully insured | 394 | $223K | Standard Insurance Company |
| Employment Specialists of Maine, Inc Employment Specialists of Maine, Inc Esm Health Benefit PlanAll plans | Augusta | Fully insured | 126 | $1.2M | Cigna Health and Life Insurance Company |
| Motivational Services Motivational ServicesAll plans | Augusta | Fully insured | 121 | - | The Guardian Life Insurance Company of America |
| Uplift, Inc Uplift, Inc. Salary Reduction PlanAll plans | Gardiner | Fully insured | 89 | $78K | Standard Insurance Company |
| Health Affiliates Maine LLC Health Affiliates Maine, LLC Consolidated Welfare Benefit PlanAll plans | Auburn | Fully insured | 83 | $513K | Harvard Pilgrim Health Care |
| Tri-County Mental Health Services Tri-County Mental Health Services Welfare PlanAll plans | Lewiston | Mixed | 0 | $150K | Starmount Life Insurance Company |
Showing 6 of 6 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Maine
Frequently asked questions
How many behavioral and mental health providers in Maine offer an ERISA health plan?
9 health and welfare plans from 6 behavioral and mental health providers in Maine appear in plan year 2024 to 2025 filings on Form 5500, covering 1,618 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Maine?
By Schedule A premium: Cigna Health and Life Insurance Company (33% of premium, 2 plans), Unimerica Insurance Company (33% of premium, 1 plan) and Standard Insurance Company (19% of premium, 4 plans).
Which benefits brokers work with behavioral and mental health providers in Maine?
By number of client plans: Cross Benefit Solutions (4 plans), Healey & Associates Inc (3 plans) and Cross Insurance-Bangor (2 plans). 100% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Maine?
The median brokered plan reports $26K a year in broker commissions and fees, or 10.4% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Maine self-funded or fully insured?
Fully insured 89% and mixed 11%. Self-funded and mixed plans together make up 11%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Maine
Open the welfare search with Maine and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Behavioral health in nearby states
Other healthcare specialties in Maine
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Maine.