Each year, numerous South Portland, Maine residents register for Original Medicare or a Supplemental Medicare plan. A Supplemental Medicare plan helps fill the holes within Original Medicare, making specific medical costs more affordable.

We’ll examine multiple South Portland, Maine Supplemental Medicare Plans to help you find the perfect plan for you and your loved ones.

South Portland, Maine Supplemental Medicare Plans

South Portland, Maine Supplemental Medicare plans pay for specific medical services like hearing, dental, and vision that Original Medicare doesn’t cover.

Enrolling in a Medigap or Medicare Advantage plan can also supplement your Part A and Part B. We based the following information on 65-year-old female beneficiaries.

Average Medicare Advantage Plans in South Portland, Maine

There are currently 36 different Medicare Advantage plans available in South Portland, Maine. Residents can purchase one of the 36 Medicare Advantage plans through a private insurance provider within their zip code. Below are a few common South Portland, Maine Medicare Advantage plans.

UnitedHealthcare carries 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 offers five-star HMO (Health Maintenance Organization) Medicare Advantage 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 offers four-star HMO-POS (Health Maintenance Organization with Point-of-Service) Medicare Advantage plans 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 do 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
Humana $0 $7,550 HMO 4
Amh Health $0 $5,500 HMOPOS 4

Cheapest Medicare Supplement Plans in South Portland, Maine

The US government standardizes Medigap plans to prevent benefits from changing from provider to provider, zip code to zip code, and state to state. However, the Medicare Supplement plan premiums frequently fluctuate among states, zip codes, and private insurance providers.

Plan G is one of the most popular plans among South Portland residents due to its affordable premiums and out-of-pocket costs. Premiums range from $85.60 to $316.54. It covers a variety of services, including hospice care for those who need it.

Medigap Plan F is also incredibly popular and is one of the most all-encompassing plans available in South Portland. The monthly premiums cost between $222.19 and $396.98. It covers some things others don’t, such as the Plan B excess charges.

High-Deductible Plan G, better known as Plan HDG, provides the same coverage as Medigap Plan G but carries higher annual deductibles. Premiums range from $47.00 and $85.60. The low premiums are the tradeoff for the higher deductible.

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

Affordable Medicare Part D in South Portland, Maine

Medigap plans don’t include prescription drug coverage, and only a select few Medicare Advantage plans cover medications. However, South Portland residents can purchase an independent Part D plan from a private insurance provider that will cover the cost of their prescriptions.

Aetna carries three-star Part D plans with $7.60 premiums and a $480 annual deductible This makes Aetna’s plans the most affordable option. In fact, the deductible on Tier 1 drugs is $0.

Humana offers four-star Part D plans with $22.70 premiums and a $480 annual deductible. These Part D plans are the highest-rated plans currently available. This deductible is $0 for Tier 1 and 2 drugs. The maximum you’ll have to spend per year on drugs is $4,430.

Elixir provides three-star Part D plans with $28.30 premiums and a $480 annual deductible. This deductible drops to $0 for Tier 1 and 2 drugs. 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 South Portland, Maine

Special Needs Plans (SNPs) are a subgroup of Medicare Advantage plans designed for South Portland residents with special needs and chronic disabilities. Although SNPs are exceedingly beneficial to qualified enrollees, they aren’t obtainable in every zip code.

Wellcare provides HMO Special Needs Plans with zero-dollar premiums and a $3,450 MOOP. Enrollees must have Medicare and Medicaid to qualify. These plans even help pay for things like vitamins and dental supplies.

Martin’s Point also offers HMO SNPs without premiums and a $5,700 MOOP. Beneficiaries must have a chronic or disabling condition to qualify. This plan also includes Part D coverage.

UnitedHealthcare offers local PPO Special Needs Plans with zero-dollar premiums and a $7,550 MOOP. Enrollees must have Medicare and Medicaid to qualify. These plans even help you pay for groceries.

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 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Amh Health $ $7,550 HMO Dual

FAQs

Does everyone have to pay for Medicare Part A in South Portland, ME?

No. Most South Portland residents don’t pay Part A premiums if they paid Medicare taxes while employed.

However, Part A premiums cost up to $499 monthly if you didn’t pay Medicare taxes. People who didn’t purchase Part A during their eligibility period could also face a penalty fee.

Is Plan G available in South Portland, ME?

Yes. Medigap Plan G is available in South Portland, ME. Medigap Plan G premiums range from $172 to $295.

Does Medicare Part D cover prescriptions in South Portland, ME?

Yes. Medicare Part D plans cover South Portland residents’ prescription drug costs. You can purchase a Medicare Part D plan for a private insurance provider within your region.

When do I sign up for Medicare in South Portland, ME?

You want to sign up for Medicare during the first eligibility period to avoid penalty fees and coverage gaps. Most South Portland residents become eligible for Medicare when they turn 65.

Who Is eligible for Medicare Advantage plans in South Portland, ME?

South Portland residents who meet the following criteria qualify for South Portland, Maine Medicare Advantage Plans.

  • Residents 65 years old or older
  • Disabled residents receiving SSDI (Social Security Disability Insurance) or Railroad Retirement disability checks.
  • Residents with End-Stage Renal Disease that require a kidney transplant or dialysis.
  • People with amyotrophic lateral sclerosis (Lou Gehrig’s disease)

How to Sign Up for Supplemental Medicare in South Portland

Contact Medigap.com if you need assistance enrolling or finding a South Portland, Maine Supplemental Medicare plan. Our team has over a decade of industry experience and can make finding a high-quality Supplemental Medicare as easy and stress-free as possible.

Our licensed insurance agents work with all of South Portland’s leading private insurance providers and can help you find the perfect plan for you and your family.

Give us a call or complete our online rate form to get current South Portland, Maine rates 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.