Medicare Supplement Plans Maine 2024- Plans & Rates

Taking a Medigap policy helps you cope with the out-of-pocket expenses not covered by Original Medicare Parts A & B.

If you’re a senior in Maine, a Medigap plan can assist you with better predictability of your annual healthcare costs. You have a range of ten options, with each plan giving you a different level of coverage for Parts A & B.

The industry average for Medigap plan premiums is $192 monthly for a 65-year-old nonsmoking woman. Plan F averages $228.76 per month, and Plan G $213.4 per month. The average monthly premium for Plan N is $180.50.

This article looks at the best Medicare supplement plans Maine has to offer.

We’ll give you information on the top-rated providers with the lowest premiums. With our data, you can make an informed decision on the right plan for you and the lowest cost provider for Plans F, G, & N.

Use Us to Find the Best Medicare Supplement Plans in Maine

You can rely on our team for professional assistance finding the right Medigap Plan to suit your needs.

Call our fully licensed agents at 1-888-891-0229, and we’ll discuss your healthcare requirements.

We offer free consultations and quotes, and if you can’t talk right now, leave your contact details, and we’ll get a Medigap expert to call you back.

Or you can use the tool on our site to get a free automated quote on any Medigap policy and the best rates in Pine Tree State.

 Find 2024 Rates Now

Enter Zip Code

The Best Healthcare Insurers for Medicare Supplement Plans Maine

Medigap plans in 2024 are available from private healthcare firms in Maine. The companies compete with each other for your business, and that means you’ll find they have different price points for monthly premiums.

You could save hundreds of dollars in annual premiums by shopping around for your policy.

Here are our top choices for the best Medigap providers in Maine.

• Anthem
• Colonial Penn
• Globe Life
• Harvard Pilgrim
• Humana
• Cigna
• Mutual of Omaha

Of the top-rated insurers in Maine, Humana offers you the best premiums on Plans G & F, and Cigna gives you the lowest monthly premiums on Plan N.

• Best Plan G – Humana
• Best Plan F – Humana
• Best Plan N – Cigna

The Best Provider for Medicare Supplement Plan F Maine – Humana

12 insurers offer Plan F in Maine, with the market average pricing being $261.50 per month.

Humana is the lowest-cost provider in the state, with monthly premiums averaging $193.10, and Cigna is the most expensive option at $293 per month.

Among these top providers are:

• Humana
• Mutual of Omaha
• Anthem
• Harvard Pilgrim
• Cigna

What Does Plan F Cover?

Plan F is the only Medigap policy offering comprehensive coverage for all out-of-pocket expenses associated with Original Medicare Parts A & B. You even have coverage for the Part B deductible, giving you nothing to pay annually.

However, Plan F is only available to seniors eligible for Original Medicare before January 1, 2020.

• Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
• Part B coinsurance or copayments.
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayments.
• Skilled nursing facility care coinsurance.
• Part A deductible.
• Part B deductible.
• Part B excess charges.
• 80% of foreign travel exchange (up to plan limits).

The Best Provider for Medicare Supplement Plan N Maine – Cigna

11 insurers offer Plan N in Maine, with the market average premium being $180.50 across all providers.

Cigna has the most affordable monthly premium at $158, and Humana is the most expensive at $196.10 monthly.

So, you can save $38.10 monthly going with Cigna over Humana for your Plan N policy.

Here are the average rates from the leading insurers for Plan N. Prices are based on a 65-year-old nonsmoking female.

• Cigna: $158
• UnitedHealthcare: $172
• Anthem: $174
• Harvard Pilgrim: $187
• Humana: $196

What Does Plan N Cover?

Plan N is a popular low-cost option for seniors who rarely visit the doctor. You get excellent coverage in the event of a medical emergency and lower monthly premiums than Plans F & G.

However, you’ll make a $20 copayment at the doctor’s office and a $50 copayment at the emergency room if not admitted.

• Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayments.
• Skilled nursing facility care coinsurance.
• Part A deductible.
• 80% of foreign travel exchange (up to plan limits).

Plan N doesn’t cover the Part B deductible, and you don’t have coverage for Part B excess charges.

So, you’ll need to see doctors and medical practitioners charging Medicare Assignment rates if you want to avoid paying excess charges on this plan.

What Do Plans F, G, & N Not Cover?

Plans F, G, & N don’t cover the costs of private duty nursing, stays at non-skilled nursing homes, or prescription medications.

You don’t have coverage for preventative treatments at the chiropractor, physiotherapist, or acupuncturist.

Medigap plans don’t cover vision, hearing, and dental services.

However, some offer discounted rates with their partner providers on these services. Or you can get coverage for dental, hearing, and vision services by taking a separate policy.

Finding the perfect Medicare plan doesn’t have to be stressful. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!