Updated: June 15, 2026
Advertising & Editorial Disclosure
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 options in Maine are limited, with only four plans available across two providers. Out-of-pocket limits range from $6,400 to $8,250, with an average of $7,062 per year, and half of these plans come with $0 monthly premiums. CMS star ratings average 3.12, and none reach 4 stars or higher. All HMO plans include Part D prescription drug coverage.
| Anthem | 3.50 | $25 | $6,800 | 1 | 4.25 |
| Humana | 3.00 | $2 | $7,349 | 3 | 4 |
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 give members some flexibility to go outside their network when needed. There are eight plans across five providers, and half come with $0 monthly premiums. Out-of-pocket limits range from $6,350 to $9,250, with an average of $7,696 per year, offering added protection when you seek 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 carry premiums close to standard HMOs and add out-of-network access for situations where an in-network provider isn't available. Out-of-network visits cost more than in-network ones.
Maine has nine PPO Medicare Advantage plans across five insurers. The average premium is $29 a month. MOOPs average $7,215 and range from $6,350 to $8,613, which is higher than HMO alternatives.
| 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.
Check that your doctors, specialists and preferred hospitals (Eastern Maine Medical Center in Bangor, for example) are covered under the plan. HMO plans restrict you to in-network care except in emergencies. PPO plans cover out-of-network visits at a higher cost. Our guide to health insurance network types shows a fuller breakdown.
A $0-premium plan with a $7,833 MOOP can cost more over a year than one with a $29 premium and a $6,750 cap if your medical use is high. The MOOP is the ceiling on what you'll spend on covered services, so factor it in alongside the premium.
Confirm each plan covers your prescriptions and note the tier placement because higher tiers mean higher out-of-pocket costs at the pharmacy. Most Medicare Advantage plans include Part D automatically, but some require a separate enrollment.
Maine Medicare Advantage plans often include dental, vision, hearing aids, fitness memberships and transportation to medical appointments. Match what each plan includes against your actual health needs before deciding.
Each plan's CMS star rating scores quality and performance on a 1 to 5-star scale across care coordination, customer service and health outcomes. Plans rated 4 or 5 stars are the top performers.
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.
Medicare Advantage networks are county-specific, so a move within Maine may require a plan change. Contact your insurer within 30 days of relocating. You'll qualify for a Special Enrollment Period to enroll in a plan available in your new county.
We scored Medicare Advantage plans in Maine on three criteria:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
