Why Choose The Switzer Agency
The Switzer Agency is your one-stop shop for Medicare plans, Supplemental Insurance, and Health Insurance.
Better coverage at lower prices
Recent changes to Federal law have dramatically raised income limits, enabling more families than ever to qualify for Federal subsidies which have lowered Individual Health Insurance premiums to more affordable levels than ever before. We are experts at helping clients accurately estimate their income in order to maximize subsidies, avoid tax penalties, and get the best value for their money.
Specializes in Retirement age
When it's time to retire and leave a Group Health Plan, many folks are unsure of what to do next. We are uniquely qualified to put clients into Individual Health Plans and/or Medicare. We often begin working with clients well before retirement age so the transition to Individual Health Plans and Medicare is a smooth one. Additionally, we assist clients in obtaining their Medicare cards in a timely fashion, thus avoiding any Late-Enrollment Penalties.
Work with Person, not a Website
We enjoy meeting our clients face-to-face in our Hermon, Maine, office. We offer personalized service and enjoy getting to know our clients over time. Some families have worked with us for years and trust us to help the next generation when they go out on their own and need their own coverage.
Owned & opperated by a veteran
Brian Switzer, Broker/Owner of the Switzer Agency, is a retired U.S. Navy Chief Petty Officer who understands the unique needs of veterans and offers additional benefits to those veterans with Medicare, Tricare For Life, and VA Health Benefits at no cost to them.
All Consultations are Free
We enjoy getting to know our clients and never charge for our services. We are compensated by the insurance companies we represent.
Licensed in Maine and Florida
Primarily, we work with clients who live and work within an hour of Bangor, Maine, but we serve clients throughout Maine. When clients retire and relocate to Florida, they are required to obtain coverage in Florida so we get them the coverage they need even before they move.
Medicare Plans
There are a wide variety of Medicare Health Plans to choose from, including Medicare Advantage, Medicare Supplement, and Prescription Drug Plans. We conduct a detailed needs analysis and explain all the options in order to put clients into plans that are appropriate for their needs as well as their budget.
Learn More About Medicare PlansSupplemental Insurance
Most people today have high-deductible Health Plans and are concerned with how to cover large medical bills, but also to pay household bills. Choosing supplemental insurance such as Accident, Hospital Confinement, Critical Illness, etc. provides direct cash payments to the client to help with high out-of-pocket costs and even provide a source of income during periods of work or income disruptions.
We take a very unique approach of offering high-deductible health plans paird with selected supplemental policies which give the client better coverage and lower premium costs when compared to the purchase of a lower-deductible health plan for a much higher premium. Dental and Vision policies are further examples of Supplemental policies that can complete a comprehensive benefit package.
Learn More About Supplemental InsuranceIndividual Health Insurance
There are numerous options for affordable health plans. We take the time to conduct a thorough needs analysis. We represent numerous insurance companies with a large portfolio of policies that can be tailored to the individual or family. Some clients do not qualify for subsidies or choose not to have Qualified Health Plans, so we offer alternative health coverage with “out of the box” thinking.
Learn More About Individual Health InsuranceAffordable Care Act Plans
We are experts on the Affordable Care Act (ACA). We have the know-how to accurately estimate household income as well subsidies. Currently, Individual ACA health plans are offered in Maine by Anthem, Harvard Pilgrim, and Community Health Options, all of which we represent.
Learn More About Affordable Care Act Plans