Medicare in Maine: 2026 Plans, Costs, and Enrollment Guide
- 52 Medicare Advantage plans available statewide (Maine: 16 counties; CMS 2026 Fact Sheet)
- 11 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 9 standalone Part D plans in PDP Region 1 (Maine and New Hampshire)
- Avg MA premium $25.44/mo in 2026 (was $33.45 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $38.05/mo (Region 1)
Maine Medicare Snapshot
Maine has 52 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Maine’s 16 counties. Most Maine Medigap policies are attained-age rated.
The average monthly MA premium in Maine is $25.44 in 2026 (changed from $33.45 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Maine 2026 | Source |
|---|---|---|
| MA plans available | 52 statewide (Maine: 16 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $25.44/mo (2025: $33.45) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 11 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 5 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 9 (PDP Region 1 — Maine and New Hampshire) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 1) | $38.05/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Maine
Medicare Advantage (Part C)
Maine offers 52 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include Humana, UnitedHealthcare, and Wellcare. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Maine uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 11 carriers offer Plan G in Maine in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 5 Maine carriers.
Most Maine Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Maine is in CMS PDP Region 1 (Maine and New Hampshire). For 2026, there are 9 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Maine
Medicare Advantage Premiums
The average monthly MA premium in Maine is $25.44 in 2026 (changed from $33.45 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Maine Medigap policies are attained-age rated. Across the 11 Maine Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $235 to $425/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 5 Maine carriers; premiums range from approximately $218 to $403/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Maine (PDP Region 1 — Maine and New Hampshire) has 9 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 1 is$38.05/month (CMS CY2026 Regional Rates and Benchmarks).
Maine-Specific Medicare Rules
Maine Year-Round Guaranteed-Issue Medigap (Me. Rev. Stat. tit. 24-A §2736-C)
Maine requires Medigap insurers to provide a continuous open enrollment / guaranteed-issue period — beneficiaries can apply for or switch to a Medigap policy of equal or lesser benefits any time of year, without medical underwriting, with no age cap.
Maine is one of a small group of states (with Connecticut, Maine, Massachusetts, Minnesota, New York, Rhode Island, Vermont, and Washington — each with its own statutory variant and limits) that require Medigap protections beyond the federal 6-month Open Enrollment Period.
Medicare Savings Programs (MSPs)
Maine offers Medicare Savings Programs (MSPs) through MaineCare (Medicaid):
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through MaineCare (Medicaid) or contact Maine SHIP (1-877-353-3771) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Maine SHIP
Maine SHIP is Maine's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-877-353-3771
Website: maine.gov/dhhs/ship
Enrolling in Medicare in Maine
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Maine SHIP Counseling
Contact Maine SHIP at 1-877-353-3771 for free one-on-one Medicare guidance statewide.