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Overview of the Part-Time Worker Coverage Voucher Program for Insurance Brokers
The Voucher Program, offered by the Dirigo Health Agency (DHA), provides financial assistance to help qualified part-time and seasonal employees pay for health coverage through their employer health plans. This program is a win-win for employers as a tool to hire and retain valued workers, for employees who appreciate this important work benefit and for brokers to increase their sales base. Brokers receive the commission schedule offered by the insurance carrier for the plan selected by the employer.
The Voucher Program assists part-time employees who live and work in Maine; work on average 10 to 35 hours weekly; and have had no insurance for the 90 days prior to coverage effective date. If an employee has lost MaineCare (Medicaid) within the past 90 days, they can enroll in the Voucher Program.
The employer contributes 5% of the employee/single monthly rate for the insurance plan they have selected for their employees. The employer can chose to handle payroll withdrawal just as they do for the full time employees.
Financial assistance is given to the employee by DHA on the first of each month through a debit card. The funds on the debit card are to help the employee cover the cost of the insurance coverage. The employee receives the money on the debit card prior to the employer removing the premium from the employee’s paycheck each month.
DHA needs the following forms from the broker to assist in the enrollment process:
DHA calculates the voucher level and subsidy using household income, size, and assets located on the Subsidy Application. This chart shows monthly employee costs after DHA subsidy and employer contribution.
Voucher Level |
Single |
EE + Spouse |
EE + Child(ren) |
Family |
1 |
$30.00 |
$35.00 |
$35.00 |
$45.00 |
2 |
$75.00 |
$100.00 |
$100.00 |
$125.00 |
3 |
$180.00 |
$240.00 |
$240.00 |
$300.00 |
4 |
$330.00 |
$440.00 |
$440.00 |
$550.00 |
Example Only:
Employer is quoted a monthly employee only (no dependents) rate of $400
Employer pays 5% of the rate = $20 and deducts $380 from the employee’s paychecks
Employee qualifies for a Voucher Level 1 and pays $30 per month
DHA puts $350 on the employee’s debit card on the 1st of each month
$ 20 = Employer cost
$ 30 = Employee cost
$350 = DHA contribution
$400 = Total monthly premium
DHA staff is available to provide assistance to the insurance broker at on-site employer/employee meetings or through conference calls. Please call DHA at 287-9963, 287-9984 or toll free at 1-877-892-8391.
For a summary click here.
DirigoChoice
DirigoChoice is a PPO product offered through Harvard Pilgrim Health Care for residents of the State of Maine in the following categories:
If you are interested in becoming an HPHC producer call HPHC Broker Relations at 1-617-509-2626 or check HPHC's broker information here.
For more infomation on DirigoChoice, please click here.
For a complete Summary of Benefits please call HPHC Broker Relations at 1-617-509-2626.
For the DirigoChoice Discount Estimator, please click here.
Individuals and the Self Employed complete a Certification Statement. The Certification is available here.
Please e-mail dirigochoicequotes@healthplansinc.com to request DirigoChoice quotes.
Contact HPHC at 1-877-213-5225 for the following:
Call DHA at 1-877-892-8391 or 207-287-9900 (fax 207-287-9922) for the following:
Mail enrollment and renewal packets (fax 207-287-9922) to:
Dirigo Health Agency
153 State House Station
Augusta, ME 04333
Monthly payments should be made out to:
Dirigo Health Agency
Monthly payments should be mailed to:
Dirigo Health Agency
P.O. Box 11020
Lewiston, ME 04243
Maine Quality Forum
The Maine Quality Forum posts information about healthcare quality, safety, and differences in how often certain surgical procedures are performed in one part of the state compared to another.
