by Russell Noga | Updated October 3rd, 2024
Taking a Medigap policy helps you cope with the out-of-pocket expenses not covered by Original Medicare Parts A & B.
If you’re a senior in Maine, a Medigap plan can assist you with better predictability of your annual healthcare costs. You have a range of ten options, with each plan giving you a different level of coverage for Parts A & B.
The industry average for Medigap plan premiums is $192 monthly for a 65-year-old nonsmoking woman. Plan F averages $228.76 per month, and Plan G $213.4 per month. The average monthly premium for Plan N is $180.50.
This article looks at the best Medicare supplement plans Maine has to offer.
We’ll give you information on the top-rated providers with the lowest premiums. With our data, you can make an informed decision on the right plan for you and the lowest cost provider for Plans F, G, & N.
Use Us to Find the Best Medicare Supplement Plans in Maine
You can rely on our team for professional assistance finding the right Medigap Plan to suit your needs.
Call our fully licensed agents at 1-888-891-0229, and we’ll discuss your healthcare requirements.
We offer free consultations and quotes, and if you can’t talk right now, leave your contact details, and we’ll get a Medigap expert to call you back.
Or you can use the tool on our site to get a free automated quote on any Medigap policy and the best rates in Pine Tree State.
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The Best Healthcare Insurers for Medicare Supplement Plans Maine
Medigap plans in 2025 are available from private healthcare firms in Maine. The companies compete with each other for your business, and that means you’ll find they have different price points for monthly premiums.
You could save hundreds of dollars in annual premiums by shopping around for your policy.
Here are our top choices for the best Medigap providers in Maine.
- Anthem
- Colonial Penn
- Globe Life
- Harvard Pilgrim
- Humana
- Cigna
- Mutual of Omaha
Of the top-rated insurers in Maine, Humana offers you the best premiums on Plans G & F, and Cigna gives you the lowest monthly premiums on Plan N.
- Best Plan G – Humana
- Best Plan F – Humana
- Best Plan N – Cigna
The Best Provider for Medicare Supplement Plan F Maine – Humana
12 insurers offer Plan F in Maine, with the market average pricing being $261.50 per month.
Humana is the lowest-cost provider in the state, with monthly premiums averaging $193.10, and Cigna is the most expensive option at $293 per month.
Among these top providers are:
- Humana
- Mutual of Omaha
- Anthem
- Harvard Pilgrim
- Cigna
What Does Plan F Cover?
Plan F is the only Medigap policy offering comprehensive coverage for all out-of-pocket expenses associated with Original Medicare Parts A & B. You even have coverage for the Part B deductible, giving you nothing to pay annually.
However, Plan F is only available to seniors eligible for Original Medicare before January 1, 2020.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan N Maine – Cigna
11 insurers offer Plan N in Maine, with the market average premium being $180.50 across all providers.
Cigna has the most affordable monthly premium at $158, and Humana is the most expensive at $196.10 monthly.
So, you can save $38.10 monthly going with Cigna over Humana for your Plan N policy.
Here are the average rates from the leading insurers for Plan N. Prices are based on a 65-year-old nonsmoking female.
- Cigna: $158
- UnitedHealthcare: $172
- Anthem: $174
- Harvard Pilgrim: $187
- Humana: $196
What Does Plan N Cover?
Plan N is a popular low-cost option for seniors who rarely visit the doctor. You get excellent coverage in the event of a medical emergency and lower monthly premiums than Plans F & G.
However, you’ll make a $20 copayment at the doctor’s office and a $50 copayment at the emergency room if not admitted.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover the Part B deductible, and you don’t have coverage for Part B excess charges.
So, you’ll need to see doctors and medical practitioners charging Medicare Assignment rates if you want to avoid paying excess charges on this plan.
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What Do Plans F, G, & N Not Cover?
Plans F, G, & N don’t cover the costs of private duty nursing, stays at non-skilled nursing homes, or prescription medications.
You don’t have coverage for preventative treatments at the chiropractor, physiotherapist, or acupuncturist.
Medigap plans don’t cover vision, hearing, and dental services.
However, some offer discounted rates with their partner providers on these services. Or you can get coverage for dental, hearing, and vision services by taking a separate policy.
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Frequently Asked Questions
What are the top Medicare Supplement Plans available in Maine for 2025?
The best Medicare Supplement Plans in Maine for 2025 include Plan F, Plan G, and Plan N. These plans offer comprehensive coverage for a range of healthcare expenses not covered by Original Medicare.
How do Medicare Supplement Plans in Maine for 2025 differ from Medicare Advantage plans?
Medicare Supplement Plans in Maine for 2025 work alongside Original Medicare and provide additional coverage for out-of-pocket costs. Medicare Advantage plans, on the other hand, replace Original Medicare and often include prescription drug coverage and other added benefits.
Can I enroll in a Medicare Supplement Plan in Maine for 2025 if I have pre-existing conditions?
Yes, you can generally enroll in a Medicare Supplement Plan in Maine for 2025 even if you have pre-existing conditions. During your initial enrollment period, insurance companies cannot deny you coverage or charge higher premiums based on your health status.
What factors should I consider when choosing a Medicare Supplement Plan in Maine for 2025?
When selecting a Medicare Supplement Plan in Maine for 2025, it’s important to consider factors such as the cost of premiums, coverage benefits, network of doctors and hospitals, and the financial stability and reputation of the insurance company.
Are Medicare Supplement Plans in Maine for 2025 standardized?
Yes, Medicare Supplement Plans in Maine for 2025 are standardized, meaning the benefits are the same regardless of the insurance company offering the plan. However, prices may vary between companies, so it’s essential to compare options.
Can I change my Medicare Supplement Plan in Maine for 2025 at any time?
While you can change your Medicare Supplement Plan in Maine for 2025 at any time, it’s advisable to review your options during the annual open enrollment period, which typically runs from October 15th to December 7th each year.
Do Medicare Supplement Plans in Maine for 2025 cover prescription drugs?
No, Medicare Supplement Plans do not provide coverage for prescription drugs. If you require prescription drug coverage, you’ll need to enroll in a separate Medicare Part D plan.
Can I use my Medicare Supplement Plan in Maine for 2025 outside of the state?
Yes, Medicare Supplement Plans in Maine for 2025 offer nationwide coverage. You can use your plan anywhere in the United States that accepts Medicare, making it convenient for travelers.
Are there any financial assistance programs available for Medicare Supplement Plans in Maine for 2025?
Unfortunately, there are no specific financial assistance programs to help with the cost of Medicare Supplement Plans. However, you may be eligible for other assistance programs like Extra Help, which supports prescription drug costs.
How do I apply for a Medicare Supplement Plan in Maine for 2025?
To apply for a Medicare Supplement Plan in Maine for 2025, you can contact us directly or use the enrollment tool above by entering your zip code. It’s important to apply during your initial enrollment period for guaranteed acceptance.
Find the Right Medicare Plan for You
Finding the perfect Medicare plan doesn’t have to be stressful. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.
Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.