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Best Medicare Supplement Plans in Maine 2021

Anybody who is enrolled in Medicare Part A and Medicare Part B is eligible to compare the best Medicare Supplement insurance plans in Maine. Maine Medigap policies can help seniors control their medical costs by paying for some or all of Original Medicare insurance’s deductibles, copayments, and coinsurance expenses. Plans with broader benefits will charge relatively higher rates and do a better job of reducing or even eliminating out-of-pocket costs.

What Are the Top 5 Medicare Supplement Plans in Maine?

To help you hone in on the top five Medigap plans in Maine, following are the main features of each. Note that every Medigap plan in Maine covers 100% of the Medicare Part A deductible and all or part of the Part B coinsurance.

1. Medicare Plan F: All-Around Medigap Coverage

  • Part B and Part A deductible
  • All copayments and coinsurance
  • Part B excess charges
  • Foreign travel emergency up to plan limits

This plan is only available if your eligibility effective date for Original Medicare was no later than December 31, 2019 and you have not yet enrolled.

2. Medicare Plan G: Alternate to F

  • Comprehensive plan at a good value – lower monthly premium than F
  • Includes same benefits as F with the exception of the Part B deductible
  • Available to beneficiaries available before and after 2020

3. Medicare Plan N: Excellent Coverage / Lower Premiums

  • Same benefits as G except for copayments and excess charges
  • Your copayments: up to $20 for office visits and up to $50 for ER
  • Savings on premiums

4. High-Deductible F: Lower Premium Option

  • Same benefits as F
  • Requires annual high deductible
  • Medicare deductible Part A and Medicare deductible Part B apply toward satisfying annual deductible
  • Save money on premium versus original Plan F

5. High-Deductible G: Lower Premium Option

  • Aligns with Plan G benefits
  • Same principle as High Deductible F – high deductible, premium savings

What is the Best Supplemental Insurance to go with Medicare?

Our Policy Guides can help you answer this question by explaining the pros and cons of each plan with respect to your situation.

What Is the Most Popular Medicare Supplement Plan in Maine for 2021?

Since January 1, 2020, Medigap policies that included the Part B deductible could no longer be sold to newly eligible beneficiaries. This brought Plan G to the forefront as the most popular plan.

Which Plan Has the Best Benefits in Maine?

If you are looking for the highest level of coverage, compare Plans F and G.

  • Plan G: best for extensive coverage
  • Plan F: best for full-scale coverage

Be aware of the distinctions between them:

  • You can only buy Plan F if you were eligible for Medicare benefits before January 1, 2020.
  • Plan F covers the Medicare Part B deductible, and G does not.
  • Plan G premiums are lower than F.

How Do I Choose the Best Plan?

To help you compare Medigap insurance plan options and choose your best plan, our licensed insurance agents take into account your:

  • Medical expenses
  • Budget flexibility
  • Primary state of residence

What is the Average Cost for a Medicare Supplement Plan in Maine for 2021?

To determine the average cost, we can use the example of a 65-year-old woman who does not smoke and lives in Cumberland County, zip code 04038. See below:

Maine Medigap Plan Premium Range Average Rates
Plan K $132.72 – $153.82 $143.27
Plan N $163.85 – $216.00 $193.67
Plan G $206.25 – $318.54 $247.17

Common Maine Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Maine?

There are between 10 and 15 private insurance companies that sell Medicare Supplement plans in Maine. Consumers Advocate rates insurers on coverage, services, financial strength, reputation and customer experience to come up with an overall rating.

On a scale of one to five, with five being excellent, following are a few of the insurers that topped the list in 2021:

  • Anthem: 4.6
  • Humana: 4.5
  • United Healthcare (AARP): 4.5
  • United of Omaha: 4.5

When Can I Apply for a Maine Medicare Supplement Plan?

Medigap Open Enrollment Period

You can apply for a Medicare Supplement insurance plan in Maine during your six-month Medigap Open Enrollment Period, which starts the month you turn 65 and sign up for Part B.

If you are under age 65, disabled and enrolled in Part B, your Medigap Open Enrollment Period is the same, but you are also eligible for an additional six-month open enrollment once you reach 65.

Guaranteed Issue Period

When you have guaranteed issue rights, a Medicare insurance company cannot:

  • Refuse to sell you an insurance policy
  • Disapprove coverage of pre-existing conditions
  • Adjust pricing based on health conditions, past or present

Beyond your open enrollment period, you may be eligible for one of the following guaranteed issue enrollment periods:

  • Each year in Maine, there is a one-month guaranteed issue period that applies to Plan A only. Insurers can designate which month of the year they will participate.
  • If you have a loss of health care coverage under certain circumstances and apply for a Medigap policy within 90 days of the event, insurers have to offer you a policy.
  • You can choose to switch to a different Medigap policy with the same or lesser benefits as long as you have never had a coverage gap in supplemental coverage greater than 90 days from the time of your open enrollment period.
  • Under limited circumstances, you may be able to switch from Medicare Advantage to Original Medicare and a supplement plan.

Note that these enrollment periods are different from the election periods for Original Medicare, Medicare Advantage and Medicare Part D plans.

Which is better, Medigap Plan G or Plan N?

The better plan for you depends on the criteria you deem most important. With any insurance policy, there is a trade-off between benefits and premium rates.

  • Plan G: includes 100% copayments and Part B excess charges
  • Part N: requires you to make copayments, does not cover excess charges, and premium is lower than G

What is Medicare Supplement Insurance?

Medicare Supplement plans in Maine can save you money by covering certain expenses that would otherwise be out-of-pocket costs.

Original Medicare is a federal Medicare program that you join through Social Security. It is critical to enroll when you are eligible to avoid late enrollment penalties. But Original Medicare does not cover all health care services.

For services included in Medicare coverage, you are often responsible for coinsurance, copayments and deductibles. Medicare Supplement plans in Maine, otherwise referred to as Medigap policies, fill in some of those gaps.

Original Medicare is a two-prong program consisting of:

  • Medicare Part A (hospital insurance)
  • Medicare Part B (medical insurance)

Out-of-pocket costs include:

  • Deductibles, coinsurance and copayments for hospital stays, skilled nursing facilities, office visits and hospice care
  • Health care services when you have a foreign travel emergency
  • Purchase of first three pints of blood
  • Prescription drug coverage

There are 10 Medicare Supplement insurance plans, of which eight are sold to newly eligible Medicare beneficiaries. The scope of services depends on the plan. At minimum, Medicare Supplement insurance plans in Maine offer these basic benefits:

  • Hospital inpatient coinsurance
  • Coinsurance or copayment for outpatient services
  • First three pints of blood
  • Coinsurance or copayment for hospice

Some Medigap policies offer more benefits, but they do not include a prescription drug plan. A Medicare Part D plan is available for purchase through private health insurance companies. Beneficiaries can enroll in Part D at the same time as signing up for Medicare coverage and a Medicare Supplement insurance plan in Maine.

Is Plan G the Best Medigap Plan in Maine?

How Much Does it Cost?

Rates are based on your location, tobacco usage and age. Here is one scenario as an example:

  • 65-year-old nonsmoking female
  • Lives in York County, zip code 03904
  • Average Plan G premium: $247.17

What is the Plan G Deductible in 2021?

You are not required to pay a deductible for Plan G. However, Plan G does not cover the Part B deductible, which amounts to $203 for the year 2021.

What does Medigap Plan G Cover in Maine?

Related Topics

Plan G by State

Ready to Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Maine State Resources

Maine Enrollment Statistics

  • Just about one-quarter of a million Medicare beneficiaries live in Maine.
  • Of those enrolled in Medicare Part A and Part B, over 70,000 chose Medicare Supplement insurance plans in Maine.
  • About 40,000 chose Plan F as the best Medicare Supplement plan in Maine for their needs.
Key Take Aways
  • There are 10 Medicare Supplement Plans in Maine to choose from.
  • In Maine, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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