In Bangor, Maine, Medicare beneficiaries are numerous, with a portion enrolling in Medicare Advantage.
To help more people understand the benefits of Supplemental Medicare plans, we will take a closer look at them.
Bangor Maine Medicare plans
Medicare Parts A and B cover many healthcare costs, but not all. Supplemental Medicare helps reduce the costs that your Bangor, Maine, Original Medicare doesn’t cover. The following information uses quotes from a 65-year-old male living in Bangor, Maine.
Average Medicare Advantage plans in Bangor, Maine
Of all Bangor, Maine, Medicare beneficiaries, 31% have a Medicare Advantage plan. 31% is low compared to the 42% of participating beneficiaries nationally. For the other 69% of people who are eligible to sign up for a Bangor, Maine Medicare Advantage plan, there are 25 plans available in Penobscot County.
Humana’s plan has a $0 monthly premium and a maximum out-of-pocket cost (MOOP) of $7,550. This plan is an HMO with a high four-star rating.
Aetna is another excellent choice for Part C plans. Aetna’s Local PPO plan has a four out of five-star rating for overall plan effectiveness. It also has a slightly lower MOOP of $6,700 and a $0 monthly premium.
UnitedHealthcare has the most popular plans in the United States. Their Medicare Advantage plan is also a Local PPO but has an impressive five-star rating. The monthly premium is $0, with a low MOOP of $4,500.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $7,550 | HMO | 4 |
| UnitedHealthcare | $0 | $4,500 | LOCAL PPO | 5 |
| Martin’s Point | $0 | $7,100 | HMO | 5 |
| Wellcare | $0 | $6,700 | HMO | 4 |
| Aetna | $0 | $6,700 | LOCAL PPO | 4 |
Cheapest Medicare Supplement plans in Bangor, Maine
Since Medicare doesn’t cover all medical treatment costs, many beneficiaries enroll in a Bangor, Maine Medicare Supplement plan to offset these expenses. The benefits of Medicare Supplement plans are identical throughout the US, but the rates vary depending on the region.
Plan F covers all the costs of Original Medicare. Unfortunately, you only qualify for Plan F now if you did in 2020; the premiums for this plan are between $222.19 and $396.98 per month.
Plan G is a fantastic alternative to Plan F if you don’t qualify. The only difference is that you must pay the Part B deductible, but all other coverages are the same. The premiums for Plan G range from $85.60 to $316.54.
Plan HDG is identical to Plan G, except it has a much higher deductible. Plan HDG is an excellent alternative if you need the coverage but can’t afford the monthly premium of Plan G. The premiums for Plan HDG are between $47 and $85.60 per month.
| 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 | $270.74 |
| 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 |
Affordable Medicare Part D prescription drug plans
Part D plans help to cover the costs of medications. Bangor, Maine, Medicare beneficiaries can enroll in a stand-alone Part D plan to receive prescription coverage since Medigap plans don’t offer drug coverage, and only some Advantage plans do.
Humana is a popular carrier across the nation. Their Part D plan in Bangor, Maine, has a deductible of $480 and a monthly premium of $22.70. Humana’s four-star plan is excellent if you use pharmacies at supermarkets like Walmart or Publix.
Wellcare is slightly cheaper every month, with a premium of $11.90. The deductible is the same, at $480, and it has a lower three-star rating. Generic medications are also much cheaper with this plan.
Aetna offers the cheapest plan in the area. The premium is $7.60 a month, and the deductible is the same, at $480. This plan also has a three-star rating.
| 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
Special Needs Plans (SNPs) are a subset of Medicare Advantage plans open to those with special needs or chronic disabilities. Unfortunately, SNPs aren’t available in all areas.
Aetna offers an available HMO-POS plan. It’s open to anyone who qualifies for Medicare and Medicaid simultaneously. The Aetna plan has a maximum out-of-pocket cost (MOOP) of $7,550. The monthly premium is $0.
Humana has another available plan in the area. A Local PPO plan is also available to dual-eligible enrollees with Medicare and Medicaid. It has a much lower MOOP of $3,450 and a $0 monthly premium.
Wellcare provides another available SNP in the area. It’s an HMO plan with the same low MOOP as the Humana plan. It has dual eligibility and a $0 monthly premium.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO-POS | Dual |
| Amh Health | $0 | $3,450 | HMO | Dual |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| Wellcare | $0 | $3,450 | HMO | Dual |
FAQs
What does Medicare Part D pay for in Bangor, Maine?
Ordinary Medicare or Medigap plans don’t cover prescription drugs. Part D plans cover those prescriptions.
Can you switch from a Medicare Advantage plan to Original Medicare in Bangor, Maine?
Yes. There is an Annual Enrollment Period between October 15th and December 7th, where you can switch plans. You can also switch to Original Medicare during the Open Enrollment Period from January 1st to March 31st.
Is Medicare Part A and Part B free in Bangor, Maine?
Part A Medicare is generally free; however, Part B is available at a monthly premium. Several savings programs are available to those who need help paying the Part B premium.
How old should you be before applying for Medicare in Bangor, Maine?
Medicare enrollment age is the same across the nation. You must be 65 or older to qualify unless you have a disability or chronic condition such as End-Stage Renal Disease (ESRD) or Lou Gehrig’s Disease (ALS).
Which Medigap plan offers the most coverage in Bangor?
Plans F and G offer the most coverage. However, Plan F is only available to enrollees eligible before 2020.
How to sign up for Medicare plans in Bangor
As you’ve seen, there are a lot of benefits to signing up for supplemental Medicare in Bangor, Maine. Whether you need more coverage for prescriptions or want to have dental and vision care covered, we can help you find the best plan for your needs.
Our licensed agents work with all the major carriers in Maine so that you can compare rates and choose the plan that fits your budget.
Don’t wait any longer – call us today or fill out our online rate form to get started!
