A sizable number of Bangor and Portland residents participate in a Maine Medicare Advantage plan. There’s a higher percentage of residents in Portland participating in Bangor, 41.52% versus 31.27%.

Maine Medicare Advantage Plans

Currently, there are 57 Medicare Advantage plans available in Maine. Private carriers offer Medicare Advantage plans, which are a replacement for Original Medicare.

It’s important to note that these plans vary, some covering prescriptions while others don’t.

Medicare Advantage Plans Offers in Maine

These plans come from private carriers and not the government. Unlike Medigap plans, Advantage plans do not receive government standardization. The data we’ll go over revolves around one ZIP code, so plans and costs will vary depending on where you live.

Below, we’ll detail Maine Medicare Advantage plans with a zero-dollar premium, some with a zero-dollar deductible, some with a five-star rating, and some with a Part B premium reduction.

Medicare Advantage Plans with a Zero-Dollar Premium

Martin’s Point is the first plan we’ll go over, and it has a zero-dollar premium with a five-star rating. It also has a MOOP (maximum out-of-pocket) rate of $6,500. Being an HMO, you need to use care within your network or pay out-of-pocket expenses.

UnitedHealthcare is another popular plan that has a zero-dollar premium. Instead of an HMO, this plan is a LOCAL PPO with a five-star rating and a MOOP rate of $4,500.

Humana has another LOCAL PPO plan with a MOOP rate of $4,800. It has a slightly lower rating of four stars.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Amh Health $0 $5,800 LOCAL PPO N/A
Martin’s Point $0 $6,500 HMO 5
UnitedHealthcare $0 $4,500 LOCAL PPO 5
Wellcare $0 $6,700 PFFS 4
Humana $0 $4,800 LOCAL PPO 4

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Maine

We’ll take a look at plans with a zero-dollar drug deductible. The first plan is Amh Health, an HMO with a MOOP rate of $5,500 and a four-star rating.

There’s also Martin’s Point which is an HMO-POS. A significant difference between an HMO and an HMOPOS is that the latter gives you more flexibility in choosing a care provider. Martin’s Point has a five-star rating and a MOOP of $6,500.

For Maine Medicare Advantage plans, many people also choose UnitedHealthcare. This LOCAL PPO plan has a five-star rating and a MOOP rate of $6,700.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Amh Health $0 $5,500 HMO 4
Wellcare $0 $5,000 LOCAL PPO 4
Martin’s Point $0 $6,500 HMOPOS 5
Aetna $0 $5,900 HMO 5
UnitedHealthcare $0 $6,700 LOCAL PPO 5

Medicare Advantage Plans with a 5-Star Rating in Maine

If there’s a five-star plan available in your area, you might be eligible for a Special Enrollment Period. These periods typically last about two months.

Martin’s Point has a zero-dollar premium with a MOOP of $6,500. This plan is an HMO-POS and has the second-highest MOOP out of the plans on our chart.

Aetna has the lowest MOOP of $5,900. Like the other plans on the chart, Aetna also has a zero-dollar premium. This five-star rated plan is an HMO.

For a LOCAL PPO, there’s UnitedHealthcare. UnitedHealthcare has a zero-dollar premium and a MOOP rate of $6,700. This plan is also a LOCAL PPO.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Martin’s Point $0 $6,500 HMOPOS 5
Aetna $0 $5,900 HMO 5
UnitedHealthcare $0 $6,700 LOCAL PPO 5

Medicare Advantage Plans with a Part B Reduction in Maine

Maine Medicare Advantage plans with a Part B reduction will vary by ZIP code, and not all areas offer a Part B reduction plan. So, even when these types of plans are available in the state as a whole, they might not be available in your specific region.

UnitedHealthcare has a popular plan with a Part B reduction of $40 per month. This plan also has a zero-dollar monthly premium, a five-star rating, and a MOOP of $4,500.

There are two Humana Part B reduction plans. The first has a Part B reduction of $40.00, while the second is $50.00. The first has a MOOP of $4,800, and the other one’s MOOP is $4,500.

Wellcare is another option with a Part B reduction of $70.00. The four-star plan’s MOOP is $7,550.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
UnitedHealthcare $0 $4,500 $40.00 5
Humana $0 $4,800 $40.00 4
Martin’s Point $0 $5,000 $60.00 5
Wellcare $0 $7,550 $70.00 4
Humana $0 $4,500 $50.00 4

Ancillary/DVH

Many people enroll in Maine Medicare Advantage plans because they offer additional benefits not covered by Original Medicare and Medigap.

These benefits typically include dental, vision, hearing, and sometimes coverage for prescription drugs. These plans replace Original Medicare, while Medigap plans supplement Original Medicare.

FAQs

Can I change my Medicare Advantage plan every year in Maine?

Yes, it’s possible to change your Medicare Advantage plan every year in Maine. However, unless you’re eligible for a Special Enrollment Period (SEP), you can only change your plan at certain times in the year, such as the Annual Enrollment Period which runs from October 15 to December 7 every year.

What is the difference between regular Medicare and Medicare Advantage in Maine?

There are a few key differences between regular Medicare and Medicare Advantage plans. Essentially, Medicare Advantage plans are all-encompassing, including additional benefits like hearing, vision, and even prescription drugs.

Original Medicare, however, only covers Part A and Part B benefits, and patients often need to purchase additional supplemental Medicare plans to receive more benefits.

How do I opt-out of a Medicare Advantage plan in Maine?

You do not automatically enroll in a Medicare Advantage plan. However, suppose you register into one and decide later that you want to return to your Original Medicare or switch plans.

In that case, it’s best to wait for one of the two enrollment periods to leave your Medicare Advantage plan hassle-free.

What are zero-premium plans for Medicare Advantage in Maine?

Zero-premium Medicare Advantage plans do not require you to pay a monthly premium to enroll in that plan. However, you may still have to pay your Part B premiums.

What is the maximum out-of-pocket for Medicare Advantage plans in Maine?

Your maximum out-of-pocket, or MOOP, is the maximum amount you’ll have to pay out-of-pocket for medical care in a given year.

For example, if your MOOP is $5,000, that’s the total amount you’ll pay for medical care copays before the insurance company covers 100% of your medical expenses.

How to Get Help Enrolling in a Maine Medicare Advantage Plan

When you’re looking for a Medicare Advantage plan in Maine, our team is here to help. We want to make sure that you have all the information you need to make an informed decision about your health care.

Our licensed insurance agents appreciate your time and look forward to helping you find the perfect plan for your needs.

So call us today or answer a few simple questions in our online rate form to get the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.