Compare Medicare Plans in Maine (March 2025)

Key Takeaways:

• Maine offers a variety of Medicare options, including Original Medicare, Medicare Advantage, and Medigap, each designed to meet diverse healthcare needs and preferences.
• It’s important to analyze plans based on their costs, coverage details, and provider networks to find the best and most cost-efficient plan based on your healthcare requirements.
• Making the right Medicare plan choice involves an assessment of your current health status, lifestyle choices, and anticipated healthcare needs in the coming years.

Navigating the maze of Medicare in Maine can be daunting due to the variety of options available, each with different coverage, costs, and provider networks.

Maine offers excellent healthcare choices, but finding the right Medicare plan requires a clear understanding of what each plan entails and how it fits your healthcare needs.

This guide demystifies the various Medicare plans available in Maine by giving you the essential information and resources needed to make informed decisions.

Types of Medicare Plans Available in Maine

There are four basic types of Medicare plans in Maine.

Original Medicare (Part A and Part B)

Original Medicare remains the foundation of healthcare coverage for seniors and other eligible individuals. It is divided into two components.

• Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services. Most beneficiaries don’t pay a monthly premium for Part A because they paid Medicare taxes while working. Others might have to pay up to $518 per month in 2025.
• Medicare Part B (Medical Insurance): Addresses outpatient care needs including doctor visits, preventive screenings, lab tests, and durable medical equipment. Part B requires a monthly premium of $185 and an annual deductible.

Despite its extensive coverage, Original Medicare does not cover all medical expenses. Beneficiaries face out-of-pocket costs such as deductibles, copayments, and coinsurance.

For instance, you are responsible for 20% of the approved amount for Part B services.

Many beneficiaries in Maine choose to supplement their Original Medicare with Medigap plans to manage these additional expenses.

Data sourced from Medicare Basics.

Medicare Advantage (Part C)

Private insurers offer Medicare Advantage or Part C plans that combine the benefits of Original Medicare with additional features.

These plans cover hospital and medical expenses and often include extras such as prescription drug coverage, and dental, vision, and hearing benefits.

Some plans extend even further, offering wellness programs, gym memberships, and other perks to support an active and healthy lifestyle.

Learn more: Medicare Advantage HMO-POS Plans

Here are a few important facts about Medicare Advantage plans in Maine in 2025:

• Plan Availability: There are 55 Medicare Advantage plans available to Maine residents in 2025, an increase from 54 plans in 2024.
• Premium Changes: The average monthly premium for Medicare Advantage plans went down from $13.54 in 2024 to $12.84 in 2025.
• $0 Premium Plans: All Medicare beneficiaries in Maine have access to at least one Medicare Advantage plan with $0 monthly premiums.
• Universal Access: 100% of people with Medicare in Maine have access to a Medicare Advantage plan.

Top Medicare Advantage Plans in Maine:

Data gathered via CMS.gov and direct provider plans. Comparison of plans from Maine Zip Code 04267. Star ratings and plan information reflect publicly available data as of 2025.

Top Medicare Advantage providers in Maine include:

• Aetna
• Humana
• Martin’s Point Generations Advantage
• UnitedHealthcare

Explore Your Medicare Options in Maine

Navigating Medicare shouldn’t be a hassle.

At CoverRight, we’re well-versed in the unique aspects of Medicare options in Maine.

Our licensed advisors dedicate time to understanding your specific healthcare needs and financial situation, ensuring you get the coverage that best suits you.

Act now to optimize your healthcare with personalized Medicare guidance.

Medicare Prescription Drug Plans (Part D)

If you have Original Medicare, you can enhance your coverage by adding a stand-alone Medicare Part D plan for prescription drug costs. Those with Medicare Advantage can bundle prescription drug coverage as part of their plan.

Each Part D plan includes a formulary that lists covered drugs across various cost-sharing tiers.

Make sure your necessary medications are covered affordably when selecting a plan.

Learn more: Medicare Part D Changes: What Working Seniors Need to Know

Medicare Part D offers substantial choices and savings:

• Maine offers 16 stand-alone Medicare prescription drug plans to all individuals with Medicare.
• Every person enrolled in a Part D plan can choose a plan with a lower premium than they paid in 2024.
• 32.58% of individuals with a Part D plan in Maine receive Extra Help, a federal program that aids those with limited income.
• The lowest monthly premium for a stand-alone Part D plan is $0.

Note: Data from MedicareWire

Medicare Supplement (Medigap) Plans

Medicare Supplement or Medigap plans pay for costs that Original Medicare doesn’t cover, including copayments, coinsurance, and deductibles.

In Maine, Plans G and N are especially favored among the available Medigap options.

Plan G is renowned for its broad coverage, which pays for nearly all Medicare-associated out-of-pocket expenses, excluding the Medicare Part B deductible. It is ideal for those seeking thorough coverage with consistent costs.

Plan N is more budget-friendly, featuring lower premiums but requiring some copayments for doctor visits and emergency room services. It does not cover Part B excess charges, making it attractive for those who prefer a balance between affordable premiums and manageable out-of-pocket expenses.

Medigap Costs in Maine:

• Plan G: Usually priced between $150 to $200 per month.
• Plan N: Typically costs between $120 to $170 per month.

Average Costs of Medicare Plans in Maine

Here’s a breakdown of the average costs associated with each plan type in Maine:

Note: All data reflect 2025 averages sourced from Medicare.gov, CMS.gov, and MedicareWire and may vary by provider.

Top Medicare Advantage and Medigap Providers in Maine

Maine offers its residents a robust selection of top-tier Medicare Advantage and Medigap providers.

Best Medicare Advantage Providers

Medicare Advantage plans combine the core benefits of Original Medicare with additional coverage, making them a popular choice among beneficiaries in Maine.

When comparing providers, evaluate their coverage options and reputation to ensure you’re choosing a plan that offers good value and comprehensive benefits.

Best Medigap Providers

Maine boasts a selection of highly-rated Medigap insurance providers, each offering distinct benefits. When evaluating these providers, it’s crucial to consider factors such as network quality, customer satisfaction, and overall value.

Here’s a look at the leading providers in Maine for Plan G and Plan N:

Plan G Providers

Plan N Providers

Note: Plan G and Plan N data from MedicareWire

How to Choose the Right Medicare Plan in Maine

Selecting the most suitable Medicare plan in Maine requires careful analysis of several key aspects to ensure it meets both your health and financial needs.

Understand Your Healthcare Needs:

• Evaluate your current health status, including any chronic conditions you may have.
• Factor in healthcare requirements for the upcoming year, including doctor visits, potential hospital stays, and any required ongoing care.

Assess Your Medication Needs:

• List all the medications you currently use.
• Use the Medicare Plan Finder to compare different Part D plans based on your list of required medications.

Financial Planning:

• Examine the costs associated with each plan. Pay close attention to monthly premiums, deductibles, copayments, and coinsurance.
• Match these costs with your budget to decide what you can realistically afford for healthcare expenses.

Provider Network Considerations:

• Confirm that your preferred doctors and hospitals are included in the plan’s network.
• If you travel often or spend part of the year in another state, check if the plan provides adequate coverage in those locations.

Evaluate Additional Benefits:

• Determine the importance of additional benefits provided by some Medicare Advantage plans, such as dental, vision, and hearing services.
• Consider how these benefits impact your plan choice and prioritize what matters most to your health and lifestyle.

How to Enroll in a Medicare Plan in Maine

Here’s your guide to enrolling in a Medicare plan in Maine.

Key Enrollment Periods

Enrollment timing is crucial to avoid late penalties and ensure your coverage starts promptly.

Initial Enrollment Period (IEP): This critical 7-month period begins three months before your 65th birthday, includes your birth month, and extends for three months thereafter. This is when you can enroll in Original Medicare (Part A and Part B), join a Medicare Advantage plan, sign up for a Part D plan, or select a Medigap policy.

Annual Open Enrollment Period: From October 15 to December 7 each year, you can switch from Original Medicare to Medicare Advantage, move between Medicare Advantage plans, or change your Part D coverage. Any changes you make during this period will take effect on January 1 of the next year.

Medicare Advantage Open Enrollment Period: If you are already enrolled in a Medicare Advantage plan, from January 1 to March 31 every year, you can switch to another Medicare Advantage plan or revert to Original Medicare.

Learn more: Open Enrollment vs Annual Enrollment: Difference Between AEP and OEP.

Special Enrollment Periods: SEPs are available for Medicare enrollees who experience significant life changes, such as moving to a new area, losing existing healthcare coverage, or being affected by major events like natural disasters.

Step-by-Step Guide to Enrollment

Enrollment in Medicare involves evaluating your options to ensure they meet your healthcare needs effectively.

Explore Your Options: Visit the official Medicare website to find detailed information on various plans. Compare coverage, costs, and provider networks to find the best fit for your healthcare needs.

Choose Your Coverage: Evaluate your health requirements and financial capacity to decide the most appropriate Medicare coverage for you.

Enroll Online or Over the Phone: Complete your enrollment directly through the Medicare.gov website or by calling Medicare at 1-800-MEDICARE (1-800-633-4227), where support is available 24/7 in various languages.

Seek Expert Advice: For tailored guidance, consider consulting with a licensed insurance agent from a reputable service like CoverRight.

Medicare Resources for Maine Residents

Here’s a guide to some key organizations and programs that provide support and information to Medicare beneficiaries across the state:

• State Health Insurance Assistance Program (SHIP): SHIP is a national program that offers one-on-one counseling and assistance to Medicare beneficiaries and their families. In Maine, you can receive free guidance on Medicare, Medigap, Medicare Advantage, and Medicare Part D plans.
• Area Agencies on Aging (AAA): These local agencies provide resources and services to help older adults maintain their independence. They can assist with understanding Medicare coverage, choosing a plan, and accessing other necessary services such as transportation, meal programs, and more.
• Legal Services for Maine Elders: This appeals unit offers specialized assistance to Maine’s older and disabled residents.

It offers free help with Medicare Part D issues, such as difficulties obtaining necessary medication, excessive medication costs, or general confusion about coverage.

Make Medicare simple in Maine.

At CoverRight, our specialists deeply understand the Medicare system and the Maine healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed March 4, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2025 Medicare Advantage and Part D Ratings Fact Sheet. Published March 1, 2025. Available at: cms.gov. Last Accessed February 10, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed February 28, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed March 2, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 3, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed March 5, 2025.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed March 6, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2025. Available at: kff.org. Last Accessed March 4, 2025.

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