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.
Medicare plans in South Portland, Maine
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 supplement your South Portland, Maine, Original Medicare. We based the following information on 65-year-old female beneficiaries.
Medicare Advantage plans
Currently, 36 different Medicare Advantage plans are 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 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 South 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 |
| Humana | $0 | $7,550 | HMO | 4 |
| Amh Health | $0 | $5,500 | HMO-POS | 4 |
Medicare Supplement plans
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 South Portland, Maine, Medicare Supplement plans among residents due to its affordable premiums and out-of-pocket costs. Premiums range from $85.60 to $316.54. It covers various 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 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.
The average cost of Medicare Supplement plans in South 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
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 to cover their prescriptions’ costs. Below are some of the most affordable South Portland, Maine, Part D plans.
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. 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 yearly 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.
The average cost of Medicare Part D plans in South 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 subgroup of Medicare Advantage plans designed for South Portland residents with special needs and chronic disabilities. Although SNPs benefit 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.
The average cost of Medicare Special Needs plans in South 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 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| Amh Health | $ | $7,550 | HMO | Dual |
How to sign up for Medicare plans 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!
