The Best Maine Medicare Supplement Plans (2022)

There are a total of 10 Medicare Supplement Plans approved by Medicare. Among several private insurers, the best Medicare Supplement Plans in Maine are United Healthcare and Cigna. A Medicare Advantage Plan in Maine is a supplemental policy to the standard Medicare plans, including the original Medicare. You can either buy a Medigap or a Medicare Advantage plan, but you can’t have both simultaneously. Additionally, each plan has its own eligibility requirements.

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Last Updated: 9/14/2022
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Medigap Supplement plans in Maine cost an average of $192 per year for 65-year-olds and $199 per year for 75-year-olds.

Most people buy Plans F and G since they have the most comprehensive coverage. In Maine, Plan F costs $228.76 per year, while Plan G is $213.4 per year. Only those eligible for Medicare before 2020 can buy these plans.

The next most popular is Plan N, which carries the same coverage except for excess charges. This plan costs $180.50 on average.

MoneyGeek compares medicare supplement plans in Maine to find the best options. Learn more about the different types of plans and coverage by looking at how to find the best Medicare Supplement Plan types.

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Best Medicare Supplement Plans in Maine

Best Medicare Supplement Plan G in Maine

Based on the data MoneyGeek collected, UnitedHealthcare offers the best Medigap Plan G in Maine at an average cost of $217.50 per month. However, MoneyGeek only ranked companies that provide online quotes. Some Medicare Supplement plan providers in Maine without online quotes may have better rates and plan offers.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 81.25 out of 100
  • Average Monthly Rate: $217.50

Monthly premiums from UnitedHealthcare’s Plan G are slightly higher than the $213.40 monthly average cost of Plan G in Maine.

Aside from discounts for dental, vision and hearing discounts, UnitedHealthcare’s plan members will have access to a 24/7 Nurse Line for medical questions and concerns. The NurseLine also has a health information library with over a thousand recorded health topics.

This Medicare supplement plan also offers Foreign Travel Emergency, which assists plan members if they need medical or hospital care while outside the United States.

MORE ABOUT PLAN G IN MAINE

Navigate to learn more about Medigap Plan G in Maine, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Maine

In Maine, Medicare Supplement Plan G costs $213.40 on average. Age, provider discounts and medical underwriting factors may affect the cost of your actual premiums.

For example, there may be differences in rates between different providers. Plan G from Humana is the cheapest at $184.80 for 65-year-olds. That’s around $64 cheaper than the average cost from Harvard Pilgrim, the most expensive company in Maine offering the same plan.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $185
  • Anthem
    $216
  • UnitedHealthcare
    $218
  • Cigna
    $230
  • Harvard Pilgrim
    $248

Providers Offering Plan G in Maine

In Maine, there are a total of 12 companies that offer Plan G, but not all of them provide online quotes. After gathering contact information from all Medicare Supplement plan providers in Maine, MoneyGeek compared Medigap plans pricing methods to see which option is the best for your needs.

Providers Offering Plan G in Maine

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Harvard Pilgrim
    (877) 907-4742
    Community
  • Humana
    1-800-457-4708
    Community
  • Cigna
    1-855-891-9368
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community

What Does Plan G Cover?

Each Medigap Supplement plan has the same list of standard coverages. However, Plan G does not cover Part B deductibles. It also only covers 80% of your plan limits for foreign travel exchange plans.

Apart from the standard coverage, UnitedHealthcare’s plans offer unique benefits, including a 24/7 Nurse Line and Foreign Travel Emergency benefits.

Required Benefits of Plan G in Maine
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Maine

UnitedHealthcare offers the best Medigap Plan F in Maine at an average cost of $261.50 per month. To find the best Medicare Supplement Plan F, MoneyGeek ranked companies in Maine that provide online quotes. Other Medicare Supplement plan providers in Maine may have better rates and plans. To find these, you’ll need to conduct your own research and contact the providers directly.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 85 out of 100
  • Average Monthly Rate: $261.50

At an average monthly rate of $261.50, UnitedHealthcare’s Plan F monthly premium is slightly above the average cost of Plan F in Maine, which costs $228.80 per month.

When you get Plan F from UnitedHealthcare, you will have unique benefits in addition to the standard coverage. Some of these are dental, vision and hearing discounts. You can also access a 24/7 Nurse Line for medical questions and concerns. You can even browse the company’s health information library to find answers to medical or health-related questions.

UnitedHealthcare also offers Foreign Travel Emergency. This helps members if they need medical care while traveling outside of the United States.

MORE ABOUT PLAN F IN MAINE

Navigate to learn more about Medigap Plan F in Maine, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Maine

In Maine, a Medicare Supplement Plan F costs $228.80 on average. Various factors, including age, provider discounts and medical underwriters, result in a difference in rates.

You can save as much as one hundred dollars just by comparing rates. Plan F from Humana is the cheapest at $193.10 for 75-year-olds. Cigna, the most expensive company in Maine, offers the same plan at $293.

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  • Company
    Sample Monthly Rate
  • Humana
    $193
  • Anthem
    $239
  • UnitedHealthcare
    $262
  • Harvard Pilgrim
    $264
  • Cigna
    $293

Providers Offering Plan F in Maine

In Maine, there are a total of 12 companies that offer Plan F. However, not all of them offer online quotes. MoneyGeek collected contact information from all Medicare Supplement plan providers in Maine so that you can find the best option for your needs.

Providers Offering Plan F in Maine

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Harvard Pilgrim
    (877) 907-4742
    Community
  • Humana
    1-800-457-4708
    Community
  • Cigna
    1-855-891-9368
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community

What Does Plan F Cover?

All Medigap policies have almost the same standard coverages and requirements. However, Plan F only partially covers 80% of foreign travel exchange plans within your plan limits.

UnitedHealthcare Plan F offers additional benefits from the standard coverage. These include dental, vision and hearing discounts, a 24/7 Nurse Line and Foreign Travel Emergency benefits.

Required Benefits of Plan F in Maine
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Maine

Based on MoneyGeek’s research, Cigna offers the best Medigap Plan N in Maine at an average cost of $157.90 per month. However, our rankings are only based on companies with online quotes. As you do your research, you might be able to find other Medicare Supplement plan providers in Maine that offer better rates and plans for your needs.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $157.97

Monthly premiums for Plan N at Cigna are below the average cost of Medicare Supplement Plan N in Maine at $180.50.

With a Cigna Medigap plan, you get dental, vision and hearing discounts. Plan members will have access to a 24/7 Nurse Line for medical questions and concerns. The NurseLine also has a health information library with various health topics. It even offers Foreign Travel Emergency benefits, which assist plan members if they need medical or hospital care while outside the United States.

MORE ABOUT PLAN N IN MAINE

Navigate to learn more about Medigap Plan N in Maine, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Maine

In Maine, Medicare Supplement Plan N costs $180.50 on average. Your premiums may vary as it is affected by various factors, including age, provider, discounts and medical underwriting factors.

Plan N from Cigna is the cheapest at $158 for 65-year-olds. On the other hand, Plan N from Humana is the most expensive in Maine at $196.10. You could save as much as $38.10 just by comparing rates and choosing a different provider.

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  • Company
    Sample Monthly Rate
  • Cigna
    $158
  • UnitedHealthcare
    $172
  • Anthem
    $174
  • Harvard Pilgrim
    $187
  • Humana
    $196

Providers Offering Plan N in Maine

There are a total of 11 companies that offer Medicare Supplement Plan N in Maine. However, not all of these companies have online quotes, which limits MoneyGeek’s findings. MoneyGeek compared the pricing methods of all Medicare Supplement plan providers in Maine to help you find the best match for your needs.

Providers Offering Plan N in Maine

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • Globe Life
    1-888-678-3403
    Community
  • Harvard Pilgrim
    (877) 907-4742
    Community
  • Humana
    1-800-457-4708
    Community
  • Cigna
    1-855-891-9368
    Community
  • State Farm
    800-782-8332
    Community

What Does Plan N Cover?

Plan N has almost the same standard coverage list and requirements as all other plans. However, it does not provide coverage for a Part B deductible and Part B excess charge. It also only covers 80% of your plan limit for foreign travel exchange plans.

In some cases, your provider may have unique benefits in addition to Plan N’s standard coverages. Unique benefits from Cigna include a healthy rewards program, a health information line and foreign travel emergency benefits.

Required Benefits of Plan N in Maine
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Maine: Other Plan Types

Besides Plans F, G and N, there are seven other plan types — which include Plans A, B, C, D, K, L and M — to consider. However, these main three plans are the most popular because they offer comprehensive protection.

After comparing these plans based on affordability and coverage, UnitedHealthcare came out as the top provider for most plans. Aside from UnitedHealthcare, Anthem, Cigna and Humana are some of the other Medigap plans insurers in Maine that provide online quotes.

Note that if you have only become eligible for Medicare after January 1, 2020, you may not be able to purchase Plan C in Maine or elsewhere.

The Best Medicare Supplement in Maine - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $168.00

  • B

    UnitedHealthcare

    $225.25

  • C

    UnitedHealthcare

    $260.00

  • F

    UnitedHealthcare

    $261.50

  • G

    UnitedHealthcare

    $217.50

  • K

    UnitedHealthcare

    $80.50

  • L

    UnitedHealthcare

    $145.25

  • M

    Harvard Pilgrim

    $214.00

  • N

    Cigna

    $157.97

How to Find the Best Medicare Supplement Plans in Maine

It can be confusing to differentiate between different Medigap insurance plans in Maine. To help shoppers find the best match for their needs, MoneyGeek collected and analyzed various plans with different pricing options. Our chart helps you easily compare Medicare Supplement Plans in Maine.

Maine Medicare Supplement Plans Comparison Chart

You need to be eligible for Medicare to buy a Medicare Supplement Plan. All Medigap plans have different levels of coverage, and some are only available based on your eligibility for Medicare.

If you are a new enrollee, you may not be able to buy Plan F and C. However, you might be eligible for Plans G and D. Use MoneyGeek’s chart to compare coverages and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Maine

Medicare Supplement Plans can vary greatly depending on the plan and company. The most common pricing styles in Maine include:

  • Attained-Age: This is the most common pricing style in Maine. Your premiums will increase as you get older.
  • Issue-Age: While your age is a factor in your initial purchase, it will not vary as you get older.
  • Community-Rated: In this pricing style, all policyholders pay the same amount for the same plan type. Plans D and M are the only exceptions.
Average Cost of Medicare Supplement in Maine

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $168
  • Harvard Pilgrim
    $211
  • Anthem
    $212
  • Humana
    $224
  • Cigna
    $238

FAQs About Medicare Supplement Plans in Maine

MoneyGeek answered the most frequently asked questions about Medicare Supplement Plans in Maine.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Maine for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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