Medicare in Maine serves about 380,000 beneficiaries, with 33% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $165/mo. Stand-alone Part D plans average $44/mo.
Medicare Beneficiaries
380,000
Age 65+ and disabled
MA Enrollment
33%
% on Medicare Advantage
Avg Medigap Plan G
$165/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 20+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Aetna/CVS, Martin's Point Health Care | Networks differ by county |
| Stand-alone Part D | $44/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | Yes — state protection applies | Maine has continuous open enrollment for Medigap with community rating — no medical underwriting ever, and everyone in the same age bracket pays the same premium. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Maine is one of only three states (with Massachusetts and New York) that use community rating for Medigap and provide continuous open enrollment — meaning insurers can never use medical underwriting to deny or price-up coverage based on health status. This is a transformative protection for Maine beneficiaries: they can switch Medigap plans at any time of year, with no health questions, and all enrollees in the same age bracket pay the same premium. Martin's Point Health Care, based in Portland, is a distinctive regional player operating both a Medicare Advantage plan and primary care centers serving Maine and New Hampshire — it consistently earns high quality ratings and has a loyal local following. MaineHealth and Northern Light Health are the dominant hospital systems.
Maine's rural character — many communities are miles from the nearest hospital — makes the Medigap model particularly valuable. Original Medicare paired with a Medigap plan allows beneficiaries in Washington County, Aroostook County, and the western mountains to seek care at any Medicare-participating facility without network restrictions. Despite this advantage, only about 33% of Maine beneficiaries choose MA, one of the lower rates in New England. Medigap Plan G premiums average about $165/month in Maine, reflecting higher per-beneficiary healthcare costs. The continuous open enrollment right means Maine beneficiaries can always shop for better rates without fear of being denied.
In Maine, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 33% of Maine beneficiaries currently choose MA.
Maine has continuous open enrollment for Medigap with community rating — no medical underwriting ever, and everyone in the same age bracket pays the same premium.
💡 Maine Pro Tip
Maine beneficiaries in the Portland and Bangor metro areas typically have access to 20 or more Medicare Advantage plans. Many rural Maine counties have fewer options — 10 to 15 plans — partly explaining the state's lower MA enrollment rate. Martin's Point Health Care is a standout local MA carrier with high quality ratings.
Medigap Plan G premiums in Maine average approximately $165 per month for a 65-year-old. Because Maine uses community rating, all enrollees in the same age bracket pay the same premium regardless of health status. This means premiums are higher than actuarially expected for healthy beneficiaries but far more accessible for those with pre-existing conditions.
Yes — Maine has one of the strongest Medigap protections in the country. Maine law requires community rating and provides continuous open enrollment: you can switch Medigap plans at any time of year with no medical underwriting required, regardless of your health status. This right applies permanently, not just at age 65.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Maine. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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