Thousands of residents participate in Auburn, Maine Medicare. While some of these beneficiaries enroll in a Medigap plan to offset remaining healthcare costs, others enroll in a Medicare Advantage plan to receive additional benefits.
Auburn Maine Medicare Plans
Auburn, Maine, residents on Original Medicare have many options for supplemental Medicare plans. The quotes below are based on the average 65-year-old female beneficiaries in Auburn.
Affordable Medicare Advantage plans in Auburn, Maine
Over 3,890 senior citizens are eligible for Auburn, Maine Medicare. About 1,051, or 27%, of qualifying residents have an Auburn, Maine, Medicare Advantage plan. Auburn residents will be pleased with the number of available Medicare Advantage plans in their area. Auburn is in Androscoggin County, Maine, and has 28 available plans for residents.
Humana (Local PPO) is a Medicare Advantage plan that offers members coverage without a monthly premium. Humana has a four-star rating and a maximum out-of-pocket cost (MOOP) of $4,800.
UnitedHealthcare (Local PPO) is the most affordable Medicare Advantage plan for residents in Auburn, Maine, with no monthly premium. It boasts a five-star customer rating and a low MOOP of $4,500.
Amh Health (Local PPO) provides members coverage without a monthly premium. The MOOP for Amh Health is $5,800. A PPO, or a Preferred Provider Organization, is similar to an HMO except that it allows members to see providers outside their network.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| 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 |
Average Medicare Supplement plans in Auburn, Maine
A Medicare Supplement plan provides Auburn, Maine, residents with coverage that fills gaps not covered in their Original Medicare package.
The government regulates Medigap plans, making plan benefits consistent from state to state and carrier to carrier; however, they will have different monthly premiums.
Plan G is favored across the country for its accessibility, has a low premium of $85.60, and can get as high as $316.54 monthly.
Plan HDG offers the same benefits as Plan G but allows for lower premiums at a higher deductible cost. The lowest available premium is $47 and goes up to $370.74 per month.
Plan N is another option in Auburn, Maine, as a supplemental Medicare package. Plan N costs roughly $164.18 to $235.18 per month and can require copays for certain office visits.
| 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 |
Cheapest Medicare Part D prescription drug plans
Medicare Part D is the portion of Medicare that offers coverage for prescription medications. Other supplemental Medicare plans, such as Medigap and some Medicare Advantage, don’t provide members with prescription coverage. As a result, beneficiaries can enroll in an Auburn, Maine, stand-alone Part D plan to reduce prescription costs.
Cigna offers prescription coverage to Auburn, Maine, residents needing additional coverage for their Medicare plan. Cigna has a three-star rating with a monthly premium of $29.60. The deductible for this plan is $480.
Aetna also has a deductible of $480 and a three-star customer rating for plan effectiveness. The monthly premium is lower, at only $7.60 per month.
Humana has a Plan D program and a four-star customer rating. Humana requires a $480 deductible and a monthly premium of $22.70. A policy with Humana will allow members to purchase generic medications for $1 to $4.
| 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 |
Medicare Special Needs plans
If residents in Auburn, Maine, require special services in their medical care, a Medicare Special Needs Plan (SNP) will provide them with additional coverage. SNPs are not available in all areas and have eligibility requirements.
Amh Health (HMO) provides members with special needs coverage without a monthly premium. This plan has a MOOP of $7,550 and requires enrollees to be dual-eligible, meaning they have both Medicare and Medicaid.
Humana (HMO) has a lower MOOP of $3,450 and dual eligibility. This plan also provides SNP coverage without a monthly premium.
UnitedHealthcare (Local PPO) requires dual eligibility for Auburn, Maine, residents needing a Medicare SNP. This plan has a MOOP of $7,550 and a $0 monthly premium.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Humana | $0 | $3,450 | HMO | Dual |
| Wellcare | $0 | $3,450 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| Amh Health | $0 | $7,550 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO-POS | Dual |
FAQs
How do I apply for Medicare in Auburn, ME?
Depending on your insurance, you might be signed up automatically. You will automatically enroll within three months of your 65th birthday if you receive SSI benefits.
What does Medicare Part A cover in Auburn, ME?
Auburn, Maine, residents can receive stellar benefits under Medicare Part A. These benefits include coverage for home care, skilled nursing facility care, hospice care, and inpatient care in a hospital setting.
Do you still pay Medicare Part B with an Advantage Plan in Auburn, ME?
If you sign up for a Medicare Advantage plan, you will still need to pay the monthly premium for Medicare Part B. To qualify for Medicare Advantage, you must participate in Medicare Part B and Part A.
What Is Medicare Part D in Auburn?
Auburn, Maine, residents can participate in Medicare Part D to receive additional coverage for prescription costs.
You can receive Part D benefits by enrolling in a stand-alone Part D plan or a Medicare Advantage Plan with Prescription Drug coverage (MAPD).
When Can I Apply for Medigap in Auburn, ME?
The best time to apply for a Medigap plan is during your Initial Enrollment Period. This time begins once you receive Medicare Part B after turning 65. Using during this period will get you the lowest deductibles and monthly premiums.
You can also apply for a new Medigap plan at any point of the year in Maine.
How to sign up for Medicare plans in Auburn
Residents looking for supplemental plans for their Auburn, Maine, Medicare can benefit from our free services. Our licensed insurance agents work with all national and local carriers, giving you abundant options.
Those agents will work with you to understand your unique medical needs to find the best plan for you.
To get started today, give us a call. Or take a moment to fill out our short and easy online rate form now.
