UnitedHealthcare is the best Medicare Advantage company in Maine, with a 4.5 CMS Star Rating, statewide availability and a median maximum annual cost exposure of $6,700. Martin's Point Generations Advantage and Humana also rank highly and offer plans across all 16 Maine counties. Cost exposure varies widely by carrier, from $6,489 with Aetna Medicare to $9,250 with Wellcare.
Best Medicare Advantage Plans in Maine (2026)
Updated: September 8, 2026
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Best Medicare Advantage Companies in Maine
| Overall rating based on cost, quality, benefits and availability. | Median annual premium plus median out-of-pocket maximum. | Median CMS quality rating across the carrier’s plans. | Number of Maine counties where plans are offered. | Number of Medicare Advantage plans offered in Maine. | |
|---|---|---|---|---|---|
UnitedHealthcare | 4.5 | $6,700 | 4.5 | 16 | 5 |
Martin's Point Generations Advantage | 4.4 | $8,092 | 4.0 | 16 | 7 |
Humana | 4.3 | $6,500 | 3.5 | 16 | 7 |
Aetna Medicare | 4.3 | $6,489 | 4.0 | 8 | 5 |
AMH Health | 4.2 | $7,416 | 3.5 | 16 | 4 |
Wellcare | 3.8 | $9,250 | 3.25 | 15 | 4 |
Maine Medicare Advantage Market Overview
Maine's Medicare Advantage market is relatively small, with six carriers and 32 non-SNP plans across 13 CMS contracts. That limited plan volume makes differences in quality and cost especially important. About two-thirds of plans have a $0 premium, but maximum out-of-pocket limits range from $4,950 to more than $9,250.
Non-SNP Medicare Advantage plans | 32 | Maine has a relatively concentrated Medicare Advantage market. |
Carriers | 6 | Beneficiaries can choose among six insurers. Competition is spread across a small carrier pool. |
CMS contracts | 13 | Several carriers operate more than one CMS contract in the state, so quality ratings can differ among plans from the same insurer. |
Median plans per county | 21 | Despite having only 32 plans statewide, the typical Maine county has access to about two-thirds of them. |
Medicare Advantage enrollment in non-SNP plans | 204,948 | More than 200,000 beneficiaries are enrolled in the non-SNP plans included in our analysis. |
Plans with a $0 premium | 66% | About two-thirds of plans charge no additional monthly premium beyond the Medicare Part B premium, but cost sharing still varies widely. |
Median max out-of-pocket (MOOP) | $6,800 | Even with a $0 plan, you can be responsible for medical cost sharing before reaching your plan's maximum out-of-pocket limit. |
MOOP range | $4,950–$9,250 | Choosing a lower-MOOP plan can reduce worst-case annual in-network cost exposure by as much as $4,300 compared with the highest-limit option. |
Average CMS star rating | 3.79 out of 5 | Overall plan quality falls just below the 4-star benchmark, based on CMS measures of care quality, service and member experience. |
Contracts with 4+ CMS star rating | 46% | Fewer than half of rated Maine contracts reach the 4-star CMS benchmark. |
UnitedHealthcare
MoneyGeek Rating
4.5/ 5
4.6/5Affordability
4.5/5Quality & Member Experience
4.2/5Benefits & Availability
Median Max Annual Cost Exposure
$6,700Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
16Plans Available
5
Martin’s Point Generations Advantage
MoneyGeek Rating
4.4/ 5
4.5/5Affordability
4.2/5Quality & Member Experience
4.6/5Benefits & Availability
Median Max Annual Cost Exposure
$8,092Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
16Plans Available
7
Humana
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
3.8/5Quality & Member Experience
4.5/5Benefits & Availability
Median Max Annual Cost Exposure
$6,500Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
16Plans Available
7
Aetna Medicare
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4.1/5Quality & Member Experience
3.9/5Benefits & Availability
Median Max Annual Cost Exposure
$6,489Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
8Plans Available
5
AMH Health
MoneyGeek Rating
4.2/ 5
4.5/5Affordability
3.7/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$7,416Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
16Plans Available
4
WellCare
MoneyGeek Rating
3.8/ 5
3.8/5Affordability
3.6/5Quality & Member Experience
4.3/5Benefits & Availability
Median Max Annual Cost Exposure
$9,250Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.25Median CMS quality rating across the carrier’s plans.Counties Served
15Plans Available
4
How to Find the Best Medicare Advantage Plan in Maine
The best Medicare Advantage plan for you depends on your specific doctors, prescription needs and total health care budget.
- 1Confirm your doctors and hospitals are in-network
Check that your primary care doctor, specialists and preferred hospitals participate before enrolling. HMO plans require you to use in-network providers, while HMO-POS plans allow some out-of-network care at a higher cost. PPOs have broader out-of-network flexibility but charge more when get care outside of the network.
- 2Compare out-of-pocket maximums
A plan's maximum out-of-pocket (MOOP) limit caps what you pay for covered Part A and Part B services during the year. A lower limit provides better financial protection if you expect frequent medical care, even if the plan charges a monthly premium.
- 3Look at drug coverage before you enroll
Part D formularies vary by plan. Run your prescriptions through Medicare's Plan Finder to see what each plan charges for your specific medications.
- 4Compare supplemental benefit limits
Dental, vision and hearing benefits vary widely in what they cover and how much they'll pay. Compare annual allowances, covered services and provider restrictions rather than simply whether a benefit is included.
- 5Review CMS Star Ratings
CMS rates Medicare Advantage contracts from 1 to 5 stars based on measures such as member experience, preventive care and chronic condition management. Higher ratings can help you identify plans with stronger overall performance.
- 6Consider how often you travel
If you spend part of the year outside Maine, compare plans carefully for out-of-network and out-of-area coverage. PPO plans have more flexibility than HMOs if you regularly need nonemergency care in another state.
How Much Does Medicare Advantage Cost in Maine?
Most Medicare Advantage plans in Maine have a $0 monthly premium, but Medicare Advantage costs vary by plan type. Median premiums are $0 for HMO and PPO plans and $3 for HMO-POS plans. Cost differences are more noticeable in maximum out-of-pocket limits, which range from $6,700 for PPOs to $7,000 for HMO-POS plans. PCP and specialist copays are consistent across all three plan types, at $15 and $35, respectively.
Median Monthly Premium | $0 | $3 | $0 |
Median Max Out-of-Pocket | $6,800 | $7,000 | $6,700 |
Median Inpatient Copay | $370 | $395 | $400 |
Median PCP Copay | $15 | $15 | $15 |
Median Specialist Copay | $35 | $35 | $35 |
Maine Medicare Advantage Resources
Maine residents have several state and federal resources available to help them compare Medicare Advantage plans, get unbiased counseling and understand coverage options before enrolling.
- Medicare Plan Finder: The official CMS tool for comparing Medicare Advantage plans available in your county, including premiums, out-of-pocket limits and covered benefits.
- Maine State Health Insurance Assistance Program (SHIP): A free, unbiased counseling program for Maine residents on Medicare. Counselors can help you compare plans, understand your rights and review your coverage.
- Maine Bureau of Insurance: The state regulatory body for insurance in Maine. Use it to verify a plan's licensure status or file a complaint about coverage issues.
- Medicare Extra Help Program: A federal program that helps low-income Medicare beneficiaries pay for Part D prescription drug costs, which many Maine Medicare Advantage plans bundle with drug coverage.
Frequently Asked Questions
You can enroll in a Medicare Advantage plan during the Annual Enrollment Period, which runs from October 15 through December 7 each year. Coverage from a plan you pick during that window starts January 1. If you're new to Medicare, you can enroll during your Initial Enrollment Period, which begins 3 months before the month you turn 65 and ends 3 months after. There's also an Open Enrollment Period from January 1 through March 31 each year, during which you can switch between Medicare Advantage plans or return to Original Medicare.
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.
Most, but not all, Maine Medicare Advantage plans include supplemental benefits. Vision coverage is the most common, available with 97% of plans. Dental coverage is included in 59% of plans, and hearing coverage is available through 47% of plans. Coverage amounts vary greatly. Dental plan maximums range from $250 to $3,500 per year depending on the plan. Vision allowances run from $100 to $300, and hearing aid allowances reach up to $2,000 on some plans.
Our Methodology
MoneyGeek evaluated Maine Medicare Advantage companies using five CMS data sources for the 2026 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.
How We Score Carriers
Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:
- Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
- Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
- Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.
About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.