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 that can help you save money on your medical expenses.

Portland, Maine Supplemental Medicare Plans

Portland, Maine Supplemental Medicare plans help fill in the gaps within Original Medicare. 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.

Affordable Medicare Advantage Plans in Portland, Maine

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) plan types 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 means it covers prescription drug costs. It’s worth noting that, while the premiums are $0, you still have to pay the Part B premium.

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

Average Medicare Supplement Plans in Portland, Maine

Medigap plans cover the cost of medical bills and services that 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 a variety of 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 some 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.

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 in Portland, Maine

Unfortunately, Medigap plans don’t cover prescriptions, and only some Portland, Maine Medicare Advantage plans pay for medication expenses. That’s why many Portland residents turn to an independent Part D plan to make their prescription drugs more affordable. You can purchase a 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. In fact, the deductible on Tier 1 drugs is $0.

Humana Part D plans sport a four-star rating and carry $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.

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 in Portland, Maine

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.

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

FAQs

Is Medicare Part A and B free in Portland, Maine?

Although you don’t have to pay for Medicare Part A in Portland, ME, Medicare Part B carries monthly premiums.

However, there are a few ways to lower your Medicare Part B monthly premiums. Below are a few tips for reducing Medicare Part B premiums.

  • Register for Medicare Part B on time
  • Defer your income to prevent premium surcharges
  • Pay Part B premiums through your Social Security benefits
  • Enroll in a Medicare savings program.

Do you still pay Medicare Part B with a Medicare Advantage plan in Portland, Maine?

Yes. Beneficiaries must pay for Medicare Part B after enrolling in a Medicare Advantage plan. Your income usually determines the price of your Medicare part B premiums. The higher your income, the higher the premium rates.

However, people who receive Social Security often have lower Medicare Part B premiums.

How do I enroll in Medicare for the first time in Portland, Maine?

You must contact Social Security once you become eligible for Medicare (three months before your 65th birthday). After you qualify, you can apply for Medicare by calling the Social Security helpline or filling out the Medicare application form listed on the Social Security website.

If your partner worked for a railroad, you can also sign up for Medicare by contacting the Railroad Retirement Board.

Can I change my Medigap policy at any time in Portland, Maine?

Yes. You can switch your Medigap plan at any time. However, you may need to undergo medical underwriting to finalize the change.

What does Medicare Part D cover in Portland, Maine?

Medicare Part D covers prescription drugs not covered by Original Medicare.

How to Sign Up for Supplemental Medicare in Portland

If you are looking for a Supplemental Medicare plan in the Portland, Maine area, be sure to contact Medigap.com. Our team of 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!

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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.