There are a plethora of Original Medicare beneficiaries in Portland, Maine alone. Of those enrollees, 41.52% are registered for a Medicare Advantage plan.
We will explore various available Portland, Maine, Supplemental Medicare plans to help you save money on your medical expenses.
Medicare plans in Portland, Maine
Supplemental Medicare plans help fill in the gaps within Original Medicare in Portland, Maine. They cover medical costs that Original Medicare doesn’t cover, making vision, dental, hearing, and other medical services more affordable.
We based the following information on 70-year-old male beneficiaries.
Medicare Advantage plans
There are 26 different Medicare Advantage plans available in Cumberland County, each with unique benefits. Below are some popular Portland, Maine, Medicare Advantage plans.
UnitedHealthcare offers five-star local PPO (Preferred Provider Organization) Medicare Advantage plan types with zero-dollar premiums and a $5,900 MOOP (Maximum Out-of-Pocket). The plan also has a zero-dollar deductible. It even covers many prescription drugs, which Medicare often doesn’t include.
Martin’s Point carries five-star HMO (Health Maintenance Organization) plans without premiums and a $5,000 MOOP. While the plan being an HMO means beneficiaries must use in-network providers, there are exceptions for urgent and emergency care. It offers zero-dollar copays for many services and low copays for others.
Amh Health provides four-star HMO-POS (Health Maintenance Organization with Point-of-Service) with zero-dollar premiums and a $5,500 MOOP.
This plan includes Plan D coverage, which covers prescription drug costs. It’s worth noting that while the premiums are $0, you still have to pay the Part B premium.
The average cost of Medicare Advantage plans in Portland, Maine
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 5 |
| Humana | $0 | $6,700 | HMO | 4 |
| Martin’s Point | $0 | $5,000 | HMO | 5 |
| Amh Health | $0 | $5,500 | HMOPOS | 4 |
| Wellcare | $0 | $7,550 | HMO | 4 |
Medicare Supplement plans
Medicare Supplement plans cover the cost of medical bills and services you would otherwise pay out of pocket. The United States government standardizes Medigap and Medicare Supplement plans to prevent coverage from changing between states and private insurance providers. However, the monthly premiums usually differ between states, zip codes, and carriers.
Plan G is exceedingly popular among Portland residents due to it not carrying a Part B deductible. Its premiums range from $85.60 to $316.54. It covers various services, including hospice care for those who need it.
Plan F is one of the most extensive plans currently available in Portland, ME. Monthly premiums cost between $222.19 and $396.98. It covers things others don’t, such as the Plan B excess charges.
Plan N is another favored plan due to its extensive coverage and affordable premiums. Beneficiaries pay between $164.18 and $235.18 a month. This plan pays almost all of the Part B coinsurance, with small exceptions for copays. The lower premium makes it one of the most popular Portland, Maine, Medicare Supplement policies.
The average cost of Medicare Supplement plans in Portland, Maine
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $161.93 | $307.19 |
| PLAN B | $213.81 | $363.89 |
| PLAN C | $244.00 | $315.10 |
| PLAN D | $214.55 | $260.36 |
| PLAN F | $222.19 | $396.98 |
| PLAN HDF | $47.00 | $370.74 |
| PLAN G | $85.60 | $316.54 |
| PLAN HDG | $47.00 | $85.60 |
| PLAN K | $78.50 | $151.82 |
| PLAN L | $143.25 | $239.48 |
| PLAN M | $185.61 | $326.95 |
| PLAN N | $164.18 | $235.18 |
Medicare Part D prescription drug plans
Unfortunately, Medigap plans don’t cover prescriptions; only some Portland, Maine, Medicare Advantage plans pay for medication expenses. Many Portland residents turn to an independent Part D plan to make their prescription drugs more affordable. You can purchase a Portland, Maine, Medicare Part D plan through a private insurance provider within your zip code.
Aetna offers three-star Part D plans with a $7.60 monthly premium and a $480 annual deductible. This makes it the most affordable option currently available. The deductible on Tier 1 drugs is $0.
Humana Part D plans to sport a four-star rating, carrying $22.70 premiums and $480 deductibles. This deductible is $0 for Tier 1 and 2 drugs. The maximum you’ll have to spend per year on drugs is $4,430.
Cigna carries three-star Part D plans with $29.60 monthly premiums and $480 deductibles. That deductible falls to $0 for drugs in Tiers 1, 2, and 6. This plan has the same $4,430 per year maximum as the Humana plans.
The average cost of Medicare Part D plans in Portland, Maine
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.60 | $480 | 3 |
| Wellcare | $11.90 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| Elixir | $28.30 | $480 | 3 |
| Cigna | $29.60 | $480 | 3 |
Special Needs plans
Special Needs Plans (SNPs) are a subset of Medicare Advantage plans designed for Portland beneficiaries with chronic disabilities and special needs. Although Special Needs Plans are exceedingly beneficial to enrollees, they aren’t available in every zip code.
Martin’s Point offers HMO Special Needs Plans with zero-dollar premiums and a $5,700 MOOP. Enrollees must have a chronic or disabling condition to qualify. This plan also includes Part D coverage.
United Healthcare carries local PPO Special Needs Plans with zero-dollar premiums and a $7,550 MOOP. Beneficiaries must have Medicare and Medicaid to qualify. These plans even help you pay for groceries.
Amh Health provides HMO SNPs without premiums and a $7,550 MOOP. Enrollees must have Medicare and Medicaid to qualify. This plan covers many services, including vision, hearing, and dental.
The average cost of Medicare Special Needs plans in Portland, Maine
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
|
Wellcare |
$0 | $3,450 | HMO | Dual |
| Martin’s Point | $0 | $5,700 | HMO | Chronic/Disabling |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| Amh Health | $0 | $7,550 | HMO |
Dual |
How to sign up for Medicare plans in Portland
If you are looking for a Supplemental Medicare plan in the Portland, Maine, area, be sure to contact Medigap.com. Our licensed insurance experts will work with you to find the perfect plan for your needs and budget.
With over a decade of experience in the industry, we know how to navigate the complex world of Supplemental Medicare plans. Let us help you find the right plan for you and your loved ones!
Give us a call today. Or take a couple of minutes to fill out our online rate form to get the best rates in your area today!
