Medicare Supplement Plans in Maine
Medicare Supplement plans in Maine cover some medical expenses not paid by Original Medicare. There are ten Medicare Supplement plans available to choose from.
- Of the ten plans offered, Cigna offers the best Medicare Supplement Plan G rates in Maine, with a monthly rate of $210 for the most all-inclusive coverage.
- We also found Cigna offers the best Medicare Supplement Plan N pricing at $164 per month. This plan has the best value for beneficiaries who don’t mind trading certain benefits for lower monthly premiums.
- For those wanting the lowest possible monthly premium, Mutual of Omaha’s High Deductible Medigap Plan G is considerably cheaper at $53 per month for the same benefits as Medicare Plan G. Beneficiaries must pay the annual $2,700 deductible before coverage kicks in.
Below are highlighted features and benefits of each plan.
Cigna Medicare Supplement Plan G
Cigna Plan G provides a comprehensive coverage plan with remarkable benefits to all Medicare beneficiaries. With Plan G, many out-of-pocket costs are covered apart from the deductible for Medicare Part B making it an attractive option for seniors who need additional health insurance protection.
Choosing Plan G offers several key advantages:
- Coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
- No referrals are required.
- Freedom to see any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $210
*Prices based off of a 65 year old female in zip code 04401 Maine.
Cigna Medicare Supplement Plan N
If you're seeking an inexpensive plan with lower premiums than Medicare Plans F or G, then look no further than Cigna Medicare Plan N. It is the ideal solution to get quality coverage at a cost-effective price.
Plan N offers several benefits, including but not limited to:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $164
*Prices based off of a 65 year old female in zip code 04401 Maine.
Mutual Of Omaha High Deductible Medigap Plan G
- If you're looking to save money while still getting the same benefits of a Medicare Supplement Plan G, then Mutual Of Omaha High-Deductible Plan G is a great option.
- This policy mirrors Plan G's coverage, yet beneficiaries will have to pay the $2,700 deductible before they are able to gain access to these benefits.
Monthly Plan Cost: $53
*Prices based off of a 65 year old female in zip code 04401 Maine.
Cigna Medicare Supplement Plan F
- Cigna Medicare Plan F offers the most expansive coverage out there, incorporating your Part A and B deductibles in addition to all related coinsurances. However, please remember that you must have been enrolled prior to January 1st of 2020 if you wish to be eligible for these advantages.
Monthly Plan Cost: $250
*Prices based off of a 65 year old female in zip code 04401 Maine.
What's the Best Medicare Supplement Company in Maine?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Maine.
While Cigna Medigap plans tend to be more affordable in Maine, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Maine, including sample premiums, ratings, and market share:
Cigna
Market share: 1.67%
Plan G cost: $210
Plan N cost: $164
Financial strength: A
Mutual of Omaha
Market share: 1.37%
Plan G cost: $212
Plan N cost: N/A
Financial strength: A+
United Healthcare
Market share: 45.90%
Plan G cost: $220
Plan N cost: $174
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does a Medigap Plan Cost in Maine?
The best price for Medicare Supplement Plan G in Maine is $210 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Monthly Cost
$250
$210
$164
$53
$206
Plan Popularity in Maine
60%
45%
25%
15%
8%
Quotes are for sample purposes only. Prices are the average monthly rate in Maine for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply For a Medicare Supplement Plan?
When you first sign up for Medicare Part B, you will initiate a Medigap Open Enrollment Period. This period lasts six months and starts the first month you are 65 or older and have Part B coverage. This is the best time to enroll because beneficiaries have guaranteed issue rights. Guaranteed issue rights mean:
- The insurer must provide coverage for the plan you choose.
- The insurance company must cover pre-existing conditions.
- Carriers cannot charge you more because of your health condition.
When Under 65
In Maine, disabled individuals under 65 also have an Open Enrollment Period when they first enroll in Part B. Then, they have another Open Enrollment Period when they turn 65.
Outside Open Enrollment - Special Enrollment Periods
Maine Medicare beneficiaries have a few other opportunities to join a supplement plan outside of open enrollment and still have guaranteed issue rights:
- If you lose coverage for one of the following health plans and apply for a Medicare Supplement insurance plan within 90 days: Individual health plan, Group health coverage, MaineCare
- If you change to another supplement plan that has equal or lesser benefits (you must not have had more than a 90-day gap in supplemental coverage since your Open Enrollment Period)
The guaranteed issue can be complicated. However, our licensed insurance agents can provide you with specific information about your situation.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
The best Medicare Supplement plan is Plan G. It's an excellent plan that offers comprehensive coverage for many out-of-pocket expenses associated with Original Medicare, including copays, coinsurance, and deductibles.
Aetna, Cigna, and Mutual of Omaha offer a range of options for seniors. All three companies have various plans designed to meet your needs.
Typically the monthly premium for a policyholder ranges from $210 - $320 per month. The cost of Medigap Plan G in Maine can vary depending on many factors, including age, tobacco status, and zip code.
You can change anytime, but if you do not have a guaranteed issue circumstance or are outside your Medigap Open Enrollment Period, you can be denied coverage if your health conditions cannot pass the underwriting process.
Coverage is guaranteed if you join during your Medigap Open Enrollment Period or qualify for special enrollment. Private insurance companies can deny coverage or charge you more outside of those two windows.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
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Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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