Many Bangor and Portland residents participate in a Maine Medicare Advantage plan. A higher percentage of Portland residents participated in Bangor, 41.52% versus 31.27%.
Maine Medicare Advantage plans
Currently, there are 57 Medicare Advantage plans available in Maine. Private carriers offer Medicare Advantage plans, which replace Original Medicare.
It’s important to note that these plans vary, some covering prescriptions while others don’t.
Medicare Advantage plans offered in Maine
These plans come from private carriers and not the government. Unlike Medigap plans, Advantage plans don’t receive government standardization. The data we’ll go over revolves around one ZIP code, so plans and costs will vary depending on where you live.
Below, we’ll detail Maine Medicare Advantage plans with a zero-dollar premium, some with a zero-dollar deductible, some with a five-star rating, and some with a Part B premium reduction.
Zero-dollar premium MA plans
Martin’s Point is the first plan we’ll go over, and it has a zero-dollar premium with a five-star rating. It also has a MOOP (maximum out-of-pocket) rate of $6,500. Being an HMO, you must use care within your network or pay out-of-pocket expenses.
is another popular plan that has a zero-dollar premium. Instead of an HMO, this plan is a LOCAL PPO with a five-star rating and a MOOP rate of $4,500.
Humana has another LOCAL PPO plan with a MOOP rate of $4,800. It has a slightly lower rating of four stars.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Amh Health | $0 | $5,800 | LOCAL PPO | N/A |
| Martin’s Point | $0 | $6,500 | HMO | 5 |
| $0 | $4,500 | LOCAL PPO | 5 | |
| Wellcare | $0 | $6,700 | PFFS | 4 |
| Humana | $0 | $4,800 | LOCAL PPO | 4 |
Zero-dollar drug deductible MA plans
We’ll take a look at plans with a zero-dollar drug deductible. The first plan is Amh Health, an HMO with a MOOP rate of $5,500 and a four-star rating.
There’s also Martin’s Point which is an HMO-POS. A significant difference between an HMO and an HMO-POS is that the latter gives you more flexibility in choosing a care provider. Martin’s Point has a five-star rating and a MOOP of $6,500.
For Maine Medicare Advantage plans, many people also choose . This LOCAL PPO plan has a five-star rating and a MOOP rate of $6,700.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Amh Health | $0 | $5,500 | HMO | 4 |
| Wellcare | $0 | $5,000 | LOCAL PPO | 4 |
| Martin’s Point | $0 | $6,500 | HMO-POS | 5 |
| Aetna | $0 | $5,900 | HMO | 5 |
| $0 | $6,700 | LOCAL PPO | 5 |
5-star rated MA plans
If there’s a five-star plan available in your area, you might be eligible for a Special Enrollment Period. These periods typically last about two months.
Martin’s Point has a zero-dollar premium with a MOOP of $6,500. This plan is an HMO-POS and has the second-highest MOOP out of the plans on our chart.
Aetna has the lowest MOOP of $5,900. Like the other plans on the chart, Aetna also has a zero-dollar premium. This five-star rated plan is an HMO.
For a LOCAL PPO, there’s . has a zero-dollar premium and a MOOP rate of $6,700. This plan is also a LOCAL PPO.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Martin’s Point | $0 | $6,500 | HMO-POS | 5 |
| Aetna | $0 | $5,900 | HMO | 5 |
| $0 | $6,700 | LOCAL PPO | 5 |
Medicare Advantage plans with a Part B reduction
Maine Medicare Advantage plans with a Part B reduction will vary by ZIP code; not all areas offer a Part B reduction plan. So, even when these plans are available in the state, they might not be available in your specific region.
has a popular plan with a monthly Part B reduction of $40. This plan also has a zero-dollar monthly premium, a five-star rating, and a MOOP of $4,500.
There are two Humana Part B reduction plans. The first has a Part B reduction of $40.00, while the second is $50.00. The first has a MOOP of $4,800, and the other one’s MOOP is $4,500.
Wellcare is another option with a Part B reduction of $70.00. The four-star plan’s MOOP is $7,550.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| $0 | $4,500 | $40.00 | 5 | |
| Humana | $0 | $4,800 | $40.00 | 4 |
| Martin’s Point | $0 | $5,000 | $60.00 | 5 |
| Wellcare | $0 | $7,550 | $70.00 | 4 |
| Humana | $0 | $4,500 | $50.00 | 4 |
Ancillary/DVH
Many people enroll in Maine Medicare Advantage plans because they offer additional benefits not covered by Original Medicare and Medigap.
These benefits typically include dental, vision, hearing, and sometimes coverage for prescription drugs. These plans replace Original Medicare, while Medigap plans supplement Original Medicare.
Estimated premiums for Medicare Advantage coverage in cities in Maine
The following graphs present an approximation of the premiums for Medicare Advantage plans for the specified cities:
FAQs
Can I change my Medicare Advantage plan every year in Maine?
Yes, changing your Medicare Advantage plan every year in Maine is possible. However, unless you’re eligible for a Special Enrollment Period (SEP), you can only change your plan at certain times in the year, such as the Annual Enrollment Period, which runs from October 15 to December 7 every year.
What is the difference between regular Medicare and Medicare Advantage in Maine?
There are a few key differences between regular Medicare and Medicare Advantage plans. Medicare Advantage plans are all-encompassing, including additional benefits like hearing, vision, and even prescription drugs.
Original Medicare, however, only covers Part A and Part B benefits, and patients often need to purchase additional supplemental Medicare plans to receive more benefits.
How do I opt out of a Medicare Advantage plan in Maine?
You don’t automatically enroll in a Medicare Advantage plan. However, suppose you register into one and decide later that you want to return to your Original Medicare or switch plans.
In that case, waiting for one of the two enrollment periods to leave your Medicare Advantage plan hassle-free is best.
What are zero-premium plans for Medicare Advantage in Maine?
Zero-premium Medicare Advantage plans don’t require you to pay a monthly premium to enroll in that plan. However, you may still have to pay your Part B premiums.
What is the maximum out-of-pocket for Medicare Advantage plans in Maine?
Your maximum out-of-pocket, or MOOP, is the maximum you’ll have to pay for medical care in a given year.
For example, if your MOOP is $5,000, that’s the total amount you’ll pay for medical care copays before the insurance company covers 100% of your medical expenses.
How to get help enrolling in a Maine Medicare Advantage plan
When you’re looking for a Medicare Advantage plan in Maine, our team is here to help. We want to ensure you have all the information you need to make an informed decision about your health care.
Our licensed insurance agents appreciate your time and look forward to helping you find the perfect plan for your needs.
So call us today or answer a few simple questions in our online rate form to get the best rates in your area.
