Best Medicare Supplement Plans in Maine (2026)

United American has the best Medicare Supplement plans in Maine with the cheapest rates for Plans A, B and L. Compare coverage options and find affordable Medigap.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 23, 2026

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Key Takeaways

Plans A, B and L from United American offer Maine's most affordable Medigap rates among popular policies, saving residents $23 to $65 monthly versus state averages.

Transamerica, State Farm, Anthem, Medco Containment, AARP and Mutual of Omaha provide the lowest rates for Plans C, D, F, G, K, M and N in Maine.

At age 65, Maine residents pay between $55 and $431 per month for Medicare Supplement coverage, depending on the plan they choose.

Best Cheap Medicare Supplement Companies in Maine

Monthly premiums for Medigap coverage in Maine range from $98 to $311 for seniors aged 65, with our analysis identifying the most affordable providers across 10 standardized plan types. These Medicare Supplement plans provide strong financial protection while keeping costs manageable for Maine residents.

United American has the best rates across three popular plans, offering Plan A at $174 per month, Plan B at $246 monthly and Plan L at $175 each month. Transamerica provides Plan C, while State Farm offers Plan D and Anthem handles Plan F. Medco Containment covers Plans G and N, AARP focuses on Plan K and Mutual of Omaha rounds out the options with Plan M. These low-cost choices save Maine seniors $2 to $65 per month compared to average state rates.


United American	A	$174	$65	Community Pricing
United American	B	$246	$42	Community Pricing
Transamerica	C	$311	$43	Community Pricing
State Farm	D	$260	$2	Community Pricing
Anthem	F	$258	$65	Community Pricing
Medco Containment	G	$235	$56	Community Pricing
AARP	K	$98	$25	Community Pricing
United American	L	$175	$23	Community Pricing
Mutual of Omaha	M	$186	$39	Community Pricing
Medco Containment	N	$189	$27	Community Pricing

*These rates reflect Medigap premiums for 65-year-olds.

United American

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$152
Plan Types
A, B, D, F, G, K, L, N

pros
- Best Plan A rates in Maine ($174 per month)
- Best Plan B rates in Maine ($246 per month)
- Best Plan L rates in Maine ($175 per month)
- Strong financial stability with A+ rating
cons
- Attained Age Pricing means premiums increase with age
United American is a long-established presence in Maine’s Medicare Supplement market, offering competitive pricing across several plan options. The company has provided Medigap coverage since 1966 and focuses heavily on serving seniors through straightforward plan structures and consistent support.

It ranks first for Plan A at $174 per month, which is $65 lower than comparable options in the state. United American also posts the lowest prices for Plan B at $246 and Plan L at $175 per month, making it a strong choice for cost-conscious policyholders.

Maine residents can choose from eight Medigap plans, including A, B, D, F, G, K, L and N, allowing flexibility across different coverage needs and budgets. United American uses issue-age pricing, so premiums are based on the age at enrollment and stay the same as policyholders get older.

The insurer emphasizes clear guidance around Medicare coverage and works with a broad range of health care providers. An A rating from AM Best reflects solid financial strength and long-term reliability.

Transamerica

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$264
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best Plan C rates in Maine ($311 a month)
- All plan types available
- Wide range of supplemental plans available
- Strong financial stability with good ratings
cons
- Attained Age Pricing means your premiums increase with age
Transamerica brings long-standing industry experience to Maine’s Medicare Supplement market and offers the full range of standardized Medigap plans from A through N. The company posts the lowest price for Plan C at $311 per month, which is $43 below the state average.

Premiums across its plan lineup range from $25 to $313, giving Maine seniors broader plan access than many insurers that limit their offerings. Pricing is based on an attained-age model, so monthly costs rise as policyholders get older and health care expenses increase.

Coverage flexibility is another draw, with plan structures that allow members to align benefits with personal health needs and budgets. A financial strength rating of A from AM Best supports the insurer’s ability to meet policy obligations over time.

State Farm

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$261
Plan Types
A, C, D, F, G, N

pros
- Best Plan D rates in Maine ($260 a month)
- Six plan types including less common but valuable options
- Strong financial stability with high ratings
cons
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
State Farm brings national brand recognition and a strong customer service reputation to Maine's Medicare Supplement market. The company offers six plan types including A, C, D, F, G and N, with Plan D leading at just $260 monthly where State Farm ranks first in the state.

This represents $2 in savings compared to the state average, though it's not their most popular option. State Farm's monthly premiums for 65-year-olds range from $201 to $318 across all available plans.

State Farm uses Attained Age Pricing, which means premiums increase as you get older to reflect higher health risks. One of State Farm's biggest advantages is its extensive network of local agents who provide personalized service and support for Medicare beneficiaries throughout Maine.

The company holds an AM Best rating of A++, indicating strong financial stability and its ability to meet ongoing insurance obligations.

Anthem

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$275
Plan Types
A, F, G, N

pros
- Best Plan F rates in Maine ($258 a month)
- Strong financial stability with wide provider network
- Competitive pricing for available plan types
cons
- Only offers 4 of 10 standard Medicare Supplement plans
- Attained Age Pricing means premiums increase with age
- No cost-sharing plans (K, L) or high-deductible options available
Anthem offers a focused set of Medicare Supplement plans in Maine, pairing national reach with competitive pricing on select options. The insurer ranks first for Plan F at $258 per month, which is $65 lower than the state average for that plan. Coverage choices include Plans A, F, G and N, with monthly premiums for 65-year-olds ranging from $196 to $284.

Premiums follow an attained-age pricing model, so monthly costs rise as policyholders get older and health care expenses increase. Access to a broad network of doctors and specialists remains a key benefit for members who want flexibility when choosing providers. Anthem also carries an A rating from AM Best, reflecting solid financial backing and dependable claims support over time.

Medco Containment

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$235
Plan Types
A, F, G, N

pros
- Best Plan G rates in Maine ($235 a month)
- Best Plan N rates in Maine ($189 a month)
- Best rates for four popular plan types (A, F, G, N) in Maine
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
Medco Containment takes a more limited approach in Maine’s Medicare Supplement market, offering four Medigap plans: A, F, G and N. The company prices two of its most popular options below the state average. Plan G costs $235 per month, while Plan N comes in at $189.

Those rates are $56 and $27 lower than what most Maine seniors pay for the same coverage. Premiums follow an attained-age pricing structure, so costs increase as policyholders get older. The plan selection focuses on core coverage needs rather than an expanded list of options.

While AM Best does not publish a public rating for Medco Containment, the company has experience operating within the Medicare space, which may appeal to seniors comparing smaller carriers.

AARP

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.2/5Pricing Style

3.6/5Plan Availability

Average Plan G Rate
$268
Plan Types
A, B, C, F, G, K, L, N

pros
- Best Plan K rates in Maine ($98 a month)
- Eight plan types available including popular options
- Strong financial stability and ratings
- Wide range of additional benefits available
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer Plans D or M
- No high-deductible Plan G option
AARP brings national brand recognition to Maine's Medicare Supplement market through its partnership with UnitedHealthcare, a company with extensive experience serving Medicare beneficiaries.

The organization offers exceptional value for Plan K coverage at just $98 monthly, saving Maine seniors $25 compared to the state average. AARP provides eight plan types including A, B, C, F, G, K, L and N, with premiums ranging from $98 to $323 for comprehensive Medicare Supplement coverage.

Premiums increase with age (Attained Age Pricing), which means your monthly costs will rise as you get older. AARP's biggest advantage lies in its additional member benefits, including discounts on health and wellness programs plus strong advocacy resources designed specifically for seniors.

The company receives strong financial ratings including an A (Excellent) from AM Best, though you'll need an AARP membership to access these Medicare Supplement plans.

Mutual of Omaha

MoneyGeek Rating

4.1/ 5

4.4/5Affordability

4/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$252
Plan Types
A, F, G, M

pros
- Best Plan M rates ($186/month)
- High-deductible Plan G available
cons
- Limited plan selection
- No high-deductible Plan F
Mutual of Omaha leads Maine for Medicare Supplement Plan M coverage at $186 monthly. You'll save $39 below the state average, translating to $468 in annual savings. Plan M covers 50% of Medicare cost-sharing expenses, making it ideal for budget-conscious seniors who want moderate coverage between basic and comprehensive plans. Mutual of Omaha uses Community Pricing across all plans, so your rates stay consistent regardless of age. The company also offers Plans A, F and G in Maine, with premiums ranging from $58 for high-deductible Plan G to $338 for Plan F.

Find Maine Medicare Supplement Plans That Fit Your Needs

Some of the above-mentioned top picks won’t be the right fit for your needs. Use the filterable table to narrow down Maine companies and find the Medicare Supplement provider that matches your situation.

Data filtered by:


Medco Containment	G	No	65	$235	$0	No Data
United American	G	No	65	$250	$0	No Data
Mutual of Omaha	G	No	65	$252	$0	No Data
USAA	G	No	65	$256	$0	No Data
State Farm	G	No	65	$261	$0	No Data
Transamerica	G	No	65	$264	$0	No Data
AARP	G	No	65	$268	$0	No Data
Anthem	G	No	65	$275	$0	No Data
Harvard Pilgrim Health Care Inc.	G	No	65	$302	$0	No Data
Bankers Life	G	No	65	$329	$0	No Data

Maine Medicare Supplement Plan Cost

Maine 65-year-olds pay $123 to $354 a month for Medicare Supplement insurance, depending on the plan letter. That’s why prices vary by insurer overall, too.

Plan G is the most common option and averages $291 monthly, with broad benefits for a mid-range cost. On the low end, Plan K is cheapest at $123 per month, while Plan C is most expensive at $354. Plan N averages $216 and keeps premiums lower, so you aren’t overpaying for coverage. Other lower-cost choices are Plan L at $198, Plan M at $225 and Plan A at $239.


A	$239	$2868
B	$288	$3456
C	$354	$4248
D	$262	$3144
F	$323	$3876
G	$291	$3492
K	$123	$1476
L	$198	$2376
M	$225	$2700
N	$216	$2592

How to Choose the Best Maine Medicare Supplement Plan

In Maine, federal rules standardize Medicare Supplement plans, so Plan G’s benefits don’t change from one insurer to the next. What does change is the premium, since each company sets its own price. Compare what each letter plan covers so you can choose a monthly cost that fits your budget and how much you’re comfortable paying out of pocket.

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan L: Comparable to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Provides Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Maine Medicare Supplement Company

Once you’ve chosen a plan letter, compare Medicare Supplement insurers in Maine. Check pricing, service and extras before you decide which company fits.

1
Customer Satisfaction and Complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. For a dependable insurer, review customer satisfaction scores from J.D. Power and the NAIC. These resources provide valuable insights into how insurers treat their customers and handle claims.
2
Plan Pricing
Prices vary for the same plan across insurers, sometimes by hundreds of dollars annually. Do side-by-side comparisons to find the best value without sacrificing coverage quality or service standards. Many online tools let you compare identical plans from multiple companies in your area to spot the most competitive rates.
3
Added Benefits
Insurers may provide discounts on other services like gym memberships, vision care or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. While these extras shouldn't be your primary deciding factor, they can make one company's offer more appealing than another's.

Maine Medicare Resources

Older Mainers exploring Medigap options have access to these statewide programs:

Maine State Health Insurance Assistance Program (SHIP): SHIP counselors deliver free telephone and in-person consultations to explain Medicare Supplement plans, prescription drug coverage and Medicare Savings Programs. Contact Maine's Aging & Disability Resource Centers at (877) 353-3771 for personalized support. Legal Services for Maine Elders operates a specialized Medicare Part D Appeals Unit at no cost.
Maine Bureau of Insurance - Consumer Health Care Division: File complaints online or call (800) 300-5000. Insurers must respond to the Bureau within 10 business days. TTY users dial Maine Relay at 711. Mail complaints to 34 State House Station, Augusta, ME 04333.
Five Area Agencies on Aging: Maine's agencies function as one-stop shops answering questions about long-term care, benefits and community resources. The Maine Access Navigator Tool assesses needs in nutrition, transportation and in-home support. Agencies serve specific regions including Aroostook, Western Maine, Central Maine, Eastern Maine and Southern Maine.
Medicare.gov: Compare plans statewide. Maine extends Medicare Advantage trial periods to three years, allowing beneficiaries extended time to switch to Medigap coverage without medical underwriting.

Medicare Supplement Plans in Maine: FAQ

These are answers to common questions about Medicare Supplement insurance for Maine residents.

What does Medigap cover in Maine?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Certain plans also provide coverage for Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans benefit those who prioritize stable costs and comprehensive coverage. They're particularly valuable for seniors with ongoing health care needs, chronic conditions, or limited savings for unexpected medical bills. These plans also provide freedom to visit any Medicare-accepting provider nationwide without referrals. Healthy individuals with strong finances might find Original Medicare's lower premiums sufficient for their needs.

When can I enroll in Medigap plans in Maine?

You can enroll in Medigap plans anytime in Maine, but timing affects your coverage options and costs. The optimal enrollment window is your six-month Open Enrollment Period, which begins when you turn 65 and enroll in Medicare Part B. During this initial enrollment period, insurance companies must accept you regardless of health conditions and cannot charge higher premiums for pre-existing medical issues.

Can I switch from Medicare Advantage to Medigap in Maine?

Yes, you can switch from Medicare Advantage to Medigap in Maine, but insurers will evaluate your health and may deny coverage or charge higher premiums based on your medical conditions. The ideal time to make this switch is during your Medigap Open Enrollment Period at age 65, when insurers cannot review your medical history. Outside this period, guaranteed coverage rights are limited to specific qualifying circumstances.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Maine for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Maine based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

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.

Read Full Bio »

Best Medicare Supplement Plans in Maine (2026)

Best Cheap Medicare Supplement Companies in Maine

Find Maine Medicare Supplement Plans That Fit Your Needs

Maine Medicare Supplement Plan Cost

How to Choose the Best Maine Medicare Supplement Plan

How to Find the Best Maine Medicare Supplement Company

Maine Medicare Resources

Medicare Supplement Plans in Maine: FAQ

What does Medigap cover in Maine?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Maine?

Can I switch from Medicare Advantage to Medigap in Maine?

Our Review Methodology

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