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Telehealth Insurance in Maine

Maine’s interstate registration route for an out-of-state physician is limited to consultative services requested by an in-state physician, APRN, or physician associate, who retains ultimate authority over diagnosis, care, and treatment. Registration requires renewal every two years and subjects the physician to Maine’s laws and courts. Separate Maine health-plan law addresses telehealth reimbursement, but it does not set professional-liability terms. 1,2

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What to Watch for in Maine

  • Interstate Physician Registration Is Consult-Only

    A registered out-of-state physician may provide only consultative services requested by a Maine-licensed physician, APRN, or physician associate, and the in-state clinician retains ultimate authority for diagnosis and care. The registrant cannot open an office, meet patients, or receive patient calls in Maine. Ask the broker to distinguish this consult role from direct patient treatment and list the right entity. 1

  • Registration Adds Renewal And Forum Duties

    Maine requires interstate physician registration every two years, caps the fee at $500, requires immediate notice of new license restrictions, and subjects the physician to Maine law and courts. Ask whether your policy’s insured, territory, and claims provisions address those services and the provider’s employing or contracting entity. 1

  • Health-Plan Parity Is Not Liability Coverage

    Maine health plans generally may not deny an otherwise covered medically appropriate service solely because it is delivered through telehealth, subject to scope, board rules, comparable quality, and other statutory conditions. Those health-benefit requirements do not prove a clinician’s professional-liability policy responds; ask the broker to confirm the actual policy separately. 2,3

Who Regulates Insurance in Maine

Maine Bureau of Insurance

The Maine Bureau of Insurance licenses producers and companies, enforces Maine insurance laws, and investigates property and casualty complaints including commercial coverage complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross direct premium when Maine is the insured's home state Maine charges 3% of gross direct premium when it is the insured's home state; your broker handles the tax and may include it with the premium. Surplus-lines policies are outside Maine guaranty-association protection. Maine generally requires a diligent search, with an exempt-commercial-purchaser exception requiring broker disclosure and the purchaser's written request. 7,8,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Maine

  1. Does our policy distinguish a Maine-registered consult-only physician from clinicians who directly treat Maine patients?
  2. Does it list our employer or contracting entity for claims involving services to patients located in Maine?
  3. Which professional boards’ telehealth rules apply to our counselors and other clinicians, and are those operations fully described to the broker?

Virtual Care And Telehealth in Maine: FAQ

Can an unlicensed out-of-state physician provide direct telehealth treatment to a Maine patient under §3300-D? 1

No. Maine’s §3300-D registration route is for consultative services requested by an in-state physician, APRN, or physician associate, who retains ultimate authority over diagnosis and treatment. 1

Can a Maine health plan deny an otherwise covered service just because it is telehealth? 2

Generally no, if the service is medically appropriate, within the provider’s scope, and delivered under any applicable board telehealth rules; the service must otherwise be covered and meet the statutory conditions. This concerns health-plan benefits, not professional-liability coverage. 2

Virtual Care And Telehealth in Other States

Other Coverage in Maine

Sources

  1. Maine Revised Statutes tit. 32, §3300-D, Interstate practice of telehealth. Maine Legislature, Office of the Revisor of Statutes; §3300-D(2)–(5), consult-only registration, in-state clinician’s ultimate authority, biennial renewal, $500 fee cap, Maine jurisdiction; amended PL 2025 ch. 316 §3. Accessed 2026-09-28.
  2. Maine Revised Statutes tit. 24-A, §4316, Coverage for telehealth services. Maine Legislature, Office of the Revisor of Statutes; §4316(2)–(3), health-plan coverage and conditions; provider scope and board telehealth rules. Accessed 2026-09-28.
  3. Maine Revised Statutes tit. 32, §13868, Telehealth services for counseling professionals. Maine Legislature, Office of the Revisor of Statutes; §13868(2)–(5), counselor scope, confidentiality, standards, and board rulemaking. Accessed 2026-09-28.
  4. Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
  5. Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
  7. 36 M.R.S. §2531. Maine Legislature; 36 M.R.S. §2531(1)-(2), current page: home-state basis; 3% tax; producer pays on chapter 19 surplus lines. Accessed 2026-09-28.
  8. 24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
  9. 24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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