Medicare Supplement Plans in Maine (Medigap)

Medicare Supplement plans in Maine help beneficiaries pay for the medical expenses left behind by Original Medicare (Medicare Part A and Part B). These plans are also known as Medigap plans and are available through private insurance carriers rather than the government. Each can provide viable coverage for seniors and disabled Mainers enrolled in Medicare. There are 12 different Medicare Supplement Plans Maine residents have access to, but their availability may change depending on your ZIP Code.

In Maine, various Medigap plan options are available, and your medical needs will dictate which plan you should enroll in. For some, there are also Medicare Advantage plans available that may better suit your needs, as well as Medicare Part D which covers prescription drugs. Discover the many Medigap plans in Maine and how you can better maximize your benefits.

Best Medicare Supplement Plans in Maine

Are you looking for the best Medigap plans in Maine? Well, you’ll need to start by looking at your healthcare needs. Everyone needs different health benefits, which is why there isn’t a single best plan. The best Medicare Supplement plans in Maine will provide adequate healthcare benefits for your needs while also fitting your budget.

The Pine Tree State has many different options for coverage, but you’ll find that Medigap plans are the same among carriers. However, the amount you pay will be different.

While there are 12 Medigap plan options throughout the state, three remain the most popular among eligible beneficiaries.

Medicare Supplement Plan F in Maine delivers some of the most comprehensive coverage of any option. You’ll enjoy having your Original Medicare deductibles, copayments, and coinsurances paid for by your benefits.

But if you’re looking to enroll in Medigap Plan F, you’ll need to understand whether or not you qualify. The plan is only open to those eligible for Medicare before January 1, 2020.

This restriction is part of the reason Medicare Supplement Plan G has grown in popularity. Besides paying for your Medicare Part B deductible, Medigap Plan G coverage will provide the same benefits as Plan F.

Another popular coverage option is Medicare Supplement Plan N. While you’ll have to pay for your copayments while receiving medical care from a doctor or Emergency Room, it is an excellent option for saving on premiums.

Enrolling in a Medigap Plan N will also mean you’ll need to cover your Part B deductible or any excess charges out of pocket. Excess charges occur when healthcare providers don’t accept Medicare Assignment; however, this is rare. But your Emergency Room copayment is waived if you are admitted into a hospital.

Medicare Supplement Plan N is a popular option for people looking to save on premiums and don’t require healthcare outside of annual checks ups and minimal visits each year. If you do require routine healthcare procedures, Medigap Plan G, or Plan F, depending on your eligibility, are excellent options.

The Cost of Medicare Supplement Plans in Maine

The cost you’ll pay for Medicare Supplement Plans in Maine comes down to many factors. Some of the biggest are your age, gender, the amount of coverage you require, and whether or not you use tobacco.

In general, men, older beneficiaries, smokers, and those with more benefits can expect to pay more than their counterparts.

By taking a closer look at the averages in your state, you can better understand how much you can expect to pay for your coverage. Our chart comparing rates for Medicare Supplement plans in Maine compares rates for both a 65-year-old male and female and a 75-year-old male and female in the same ZIP Code of Maine. No one’s rate reflects that of a smoker:

  Female, No Tobacco, Maine ZIP Code 04401  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $222-$397* $222-$397*
Medicare Supplement Plan G $208-$371 $208-$371
Medicare Supplement Plan N $164-$235 $164-$235
  Male, No Tobacco, Maine ZIP Code 04401  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $222-$397* $222-$397*
Medicare Supplement Plan G $208-$371 $208-$371
Medicare Supplement Plan N $164-$235 $164-$235

* If on Medicare before 01/01/2020

One of the things that make Maine unique is that these premiums are Community-Rated. This means that the price of your coverage within the same plan will remain the same regardless of age. But it’s still important for everyone to apply as soon as they are eligible during their Medigap Open Enrollment Period when turning 65.

Failing to do so could mean that you won’t have access to the coverage you see. This is because while you can enroll in a Medicare Supplement plan at any time outside of your Medigap Open Enrollment Period, you’ll have to pass Medicare Supplement underwriting questions when submitting your policy.

Enrolling during another time period for your coverage means doing so through your Special Enrollment Period, and the private insurance companies that provide these benefits can deny you plans based on your health status.

Maine Medicare Eligibility Under 65

In Maine, Medigap for people with disabilities that are under the age of 65 is available. All Medicare Supplement companies in Maine must offer at least one plan for disabled persons. If you qualify, you’ll have a Medicare Supplement Open Enrollment Period during this time as well as when you turn 65.

Maine is a state with Guarantee Issue rights, and while Maine is a Community-Rated state, a Medicare Advantage plan may still be the best option for those under 65. Contacting a licensed Medicare agent can help you pick the best choice for your needs.

Maine Medicare Supplement Companies

Your journey to find cheap Medicare Supplemental Insurance plans in Maine means looking through many different companies. Remember, Medigap comes from private insurance companies, so choosing a carrier that fights your needs is essential. Here are several of the top carriers providing Medicare Supplement plans Maine residents love:

  • Aetna Medigap policies in Maine come with a 12-month rate protection.
  • Bankers Fidelity is an excellent option for enrollees with health issues.
  • Blue Cross Blue Shield (BCBS) of Maine delivers a variety of discounts, including automatic billing discounts.
  • Capitol Life
  • Cigna Medigap policies in Maine are known for their pre-enroll feature, allowing beneficiaries to join 90 days before their effective date.
  • GPM, or Government Personnel Mutual, has a variety of plan options built to fit its clients’ many different healthcare needs.
  • Humana provides a SilverSneakers membership and the Go360 Wellness program for its clients.
  • Lumico Life Insurance provides low-rate increases each year to help keep your costs low and consistent today and in the future.
  • Manhattan Life has a household discount that helps keep premium costs low.
  • Mutual of Omaha offers household discounts of up to 12%, though the exact figure varies from state to state.
  • National General likes to get things started quickly. Clients can gain immediate coverage beginning the day after they enroll.
  • United American is known for its high-deductible Medicare Supplement plans, which can help you save on premiums while still providing notable benefits.
  • UnitedHealthcare SilverSneakers memberships are a coveted feature by seniors.

Each company has something to offer its clients. However, going through the different offerings can feel overwhelming. But it doesn’t have to, and if you’re looking to compare Medicare Supplement insurance plans in Maine, speaking with a licensed Medicare agent can help you find the right choice for you.

Alternative Medicare Coverage Options for Maine

Medicare Supplement plans are great options, but that doesn’t mean they are the best solution for everyone. There are several other options for beneficiaries that require more coverage than Original Medicare alone will provide:

  • Medicare Advantage (Medicare Part C) helps beneficiaries receive coverage that can save on premiums. But it’s important to note that you’ll still have to pay out-of-pocket costs and deal with plan restrictions. Note: you cannot have a Medigap plan and an Advantage plan at the same time.
  • Medicare Part D plans are the perfect solution for covering expensive prescription drugs. Before enrolling, you’ll want to check your plan’s formulary to ensure it covers the medication you need.
  • Last but not least, there are also ancillary policies that cover care for things such as dental, vision, and hearing for a more comprehensive form of coverage.

How to Apply for Medicare in Maine

By delaying enrollment in Medicare Supplement plans, Maine residents risk becoming ineligible for their preferred coverage due to missing their enrollment period. Applying is simple and you should do so as soon as you are eligible.

From Medicare Supplement Plans in Maine to Advantage plans and more, our agents are here to help you find the best benefits for your healthcare needs.

Even if you are outside of your enrollment period, our agents can help. Call us at the number above and discover the coverage you deserve or fill out the online rate form to see our rates today!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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