Updated: January 22, 2026
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Six providers offer 21 Medicare Advantage plans in Maine, where premiums range from $0 to $89 per month.
Anthem is the best Medicare Advantage company in Maine for HMO plans, while UnitedHealthcare has the best HMO-POS plans and Humana leads for PPO coverage.
When choosing a Medicare Advantage plan, check whether your preferred doctors and hospitals are in the plan’s network. Also, make sure your prescription medications are covered, and evaluate how much you can spend on monthly premiums and out-of-pocket costs.
We researched the best Medicare Advantage plans in Maine by plan type, focusing on CMS star ratings, monthly premiums and maximum out-of-pocket costs.
Anthem is the best HMO provider in the state, offering plans with $25 monthly premiums, a 3.5-star CMS rating, and an average $6,800 maximum out-of-pocket cost, while UnitedHealthcare leads HMO-POS options, and Humana is the top PPO provider.
| HMO | Anthem | 3.50 | $25 | $6,800 | Anthem I MaineHealth Advantage Plus (HMO) |
| HMO-POS | UnitedHealthcare | 4.00 | $36 | $6,500 | UHC Northern Light Health ME-0001 (HMO-POS) |
| PPO | Humana | 3.82 | $0 | $6,553 | HumanaChoice Giveback H7617-046 (PPO) |
Medicare Advantage Plans Explained
Medicare Advantage plans differ from Original Medicare because private insurance companies run them instead of the government. These plans bundle hospital and medical coverage together, often adding extras like dental, vision, and prescription drug benefits.
Best HMO
CMS Star Rating
Plan Types
Best HMO-POS
CMS Star Rating
Plan Types
Best PPO
CMS Star Rating
Plan Types
HMO plans in Maine are limited, with just four options from two providers. Out-of-pocket costs range from $6,400 to $8,250, averaging $7,062 annually, and half of the plans charge $0 monthly premiums. CMS star ratings average 3.12, with no plans earning 4 stars or higher. All HMO plans include enhanced Part D prescription coverage.
| Anthem | 3.50 | $25 | $6,800 | 1 | 4.25 |
| Humana | 3.00 | $2 | $7,349 | 3 | 4.00 |
HMO Medicare Advantage plans require you to stay within a provider network and get referrals for specialists. But you'll pay lower premiums and out-of-pocket costs plus coordinated care through your primary physician. These plans work well for budget-conscious individuals who don't need out-of-network doctors.
HMO-POS plans in Maine offer valuable out-of-network access for members who occasionally need care outside their network. Eight plans from five providers are available in the state, with half charging $0 monthly premiums. Maximum out-of-pocket limits range from $6,350 to $9,250, averaging $7,696 annually, providing extra protection for out-of-network care.
| UnitedHealthcare | 4.00 | $36 | $6,500 | 1 | 4.56 |
| Aetna | 4.00 | $46 | $6,459 | 2 | 4.55 |
| Martin's Point Generations Advantage | 4.00 | $44 | $8,000 | 2 | 3.99 |
| Wellcare | 3.50 | $0 | $9,250 | 2 | 3.87 |
| Anthem | 3.50 | $52 | $7,719 | 1 | 3.47 |
HMO-POS plans suit people who want affordable premiums but need to see out-of-network providers. These hybrid plans let you keep most cost benefits of standard HMOs while accessing specialists or doctors outside your network when necessary, though you'll pay additional costs for out-of-network care.
Maine residents can choose from nine PPO Medicare Advantage plans across five providers, with an average monthly premium of $29. These plans offer broader network access, but maximum out-of-pocket costs are higher, averaging $7,215 and ranging from $6,350 to $8,613.
| Humana | 3.82 | $0 | $6,553 | 3 | 4.66 |
| Aetna | 4.50 | $84 | $6,350 | 1 | 4.48 |
| UnitedHealthcare | 4.50 | $14 | $7,975 | 3 | 4.42 |
| Wellcare | 3.00 | $35 | $8,500 | 1 | 3.61 |
| Martin's Point Generations Advantage | 3.50 | $66 | $8,375 | 1 | 3.38 |
PPO Medicare Advantage plans might be worth the extra cost if you want flexibility. These plans let you visit any Medicare-approved doctor without referrals, giving you access to both in-network and out-of-network care. You'll pay higher monthly premiums and out-of-pocket maximums than HMO options.
The best plan for you depends on your specific doctors, prescription needs and total health care budget.
Confirm your current doctors, specialists and preferred hospitals like Eastern Maine Medical Center in Bangor participate in the plan's network. HMO plans limit you to in-network providers except for emergencies, while PPO plans allow out-of-network access at higher costs. Learn more about health insurance network types to understand these differences.
Don't focus only on monthly premiums. Examine maximum out-of-pocket limits, which cap your annual costs for covered services. A plan with a $0 premium but $7,833 maximum out-of-pocket could cost more than one with a $29 premium and $6,750 limit if you need frequent medical care.
Check that your medications appear on each plan's drug formulary and understand their tier placement, which directly affects your prescription costs. Most Medicare Advantage plans include Part D drug coverage automatically, though some require separate Part D enrollment. Higher-tier medications mean higher out-of-pocket expenses for your prescriptions.
Medicare Advantage plans in Maine often provide extras, such as dental care, vision services, hearing aids, fitness center memberships and transportation to medical appointments. Compare which supplemental benefits each plan offers and how they align with your specific health needs.
Review each plan's CMS star rating, which evaluates quality and performance on a scale from 1 to 5 stars. Higher-rated plans deliver better customer service, care coordination and health outcomes. Plans earning 4 or 5 stars demonstrate superior performance.
In Maine, plan types strongly influences Medicare Advantage cost. Plans with more restricted networks generally have lower premiums, while those offering broader access and out-of-network coverage are more expensive.
HMO plans are the most affordable in Maine, with a $7 median monthly premium and an average maximum out-of-pocket limit of $7,063. PPO plans provide broader provider choice, with median premiums of $0 but averaging $30 per month, and $7,215 average MOOP. HMO-POS plans cost the most, averaging $40 per month with an average $7,696 MOOP.
| HMO | $7 | $10 | $7,063 |
| HMO-POS | $40 | $33 | $7,696 |
| PPO | $0 | $30 | $7,215 |
Get answers about Maine Medicare Advantage plans:
In Maine, enrollment is available during the Annual Enrollment Period (Oct. 15 to Dec. 7) and the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also enroll during a Special Enrollment Period if you qualify due to circumstances like relocating or losing other coverage.
Yes, most Medicare Advantage plans in Maine include prescription drug coverage as part of their benefits. Before enrolling, confirm your medications are listed on the plan's formulary and review their tier placement, which directly impacts your out-of-pocket costs at the pharmacy.
Moving within Maine may require changing your Medicare Advantage plan since coverage networks differ by county. You should notify your current insurer within 30 days of relocating. A Special Enrollment Period allows you to select a new plan that serves your updated location.
We assessed Medicare Advantage plans in Maine using three core criteria:
These factors create a fair comparison of Medicare Advantage plans, weighing costs against care quality and service.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
