Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Maine
Connect with Medicare agents in Maine
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Maine
Medicare Advantage is a popular Medicare coverage option in Maine. Statewide, 57% of Medicare enrollees have a Medicare Advantage plan. The other 43% are on Original Medicare.
Private insurers offer Medicare-approved Medicare Advantage plans as an alternative to Original Medicare. Medicare Advantage plans must cover the same services and treatments as Original Medicare. They also usually provide additional coverage and benefits that Original Medicare does not provide. Medicare Advantage additional coverage may include prescription drug, hearing, dental, and vision coverage. Extra benefits may include OTC benefits or fitness memberships.
Original Medicare does not cover prescriptions. Beneficiaries need to get a standalone Part D (prescription drug) plan in order to get their prescriptions covered. Original Medicare also doesn’t have an out-of-pocket maximum, which leaves room for financial risk.
Medigap policies, also called Medicare Supplement plans, are private insurance policies that work alongside Original Medicare. They significantly reduce out-of-pocket costs. Medigap policies are named by letters A-N. Each plan of the same letter (e.g., every Plan G) is identical in coverage.
How to apply for Medicare in Maine?
Medicare eligibility in Maine follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Maine takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
Where can Maine residents get personalized help comparing Medicare options?
A Maine Medicare agent can help you compare your coverage options and enroll in a Medicare plan. Chapter's licensed Medicare agents provide free, personalized, and unbiased guidance. We’ll help you compare all of your options across Original Medicare, Medicare Advantage, Medicare Supplement, and Part D. For assistance, call us at (855) 900-2427 or schedule a free consultation.
What Medigap switching rights are available to Maine residents outside their Medigap Open Enrollment Period?
If you already have a Medigap plan, you can change your plan to another Medigap plan with equal or fewer benefits at any point. If you don’t already have a Medigap plan, you can apply for a Medigap plan at any time. That said, without a guaranteed issue right, insurance carriers may deny your application or charge you more based on your health history. One guaranteed issue right that is different in Maine is the trial right. In most states, if you joined a Medicare Advantage plan when you first became eligible, you have a 12-month period to switch back to Original Medicare and get a Medicare Supplement plan. In Maine, this trial right lasts for 3 years.
How can living in rural Maine affect Medicare Advantage provider access?
Medicare Advantage plans have provider networks. Because rural areas often have fewer local providers and facilities than urban areas, rural residents may need to travel to get to a provider in their chosen plan's network. If they use an out-of-network provider, their care may cost more or not be covered by their insurer.
What out-of-pocket costs should Maine residents expect with Original Medicare?
Medicare’s out-of-pocket costs include copayments, deductibles and coinsurance. Original Medicare enrollees generally pay 20% of the Medicare-approved amount for Part B-covered services after meeting their deductible. Original Medicare also doesn't have an annual out-of-pocket spending limit. A Medicare Supplement plan can help Original Medicare beneficiaries minimize out-of-pocket expenses.
