Medicare Advantage Plans in Maine 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Maine has lower Medicare Advantage penetration than the national average. Portland and Bangor have the most plan options. Much of rural Maine, particularly northern and coastal counties, has limited choices, and some remote areas have only one plan available.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Maine.
Rural Coverage Note
Parts of Maine have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Maine Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Maine
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Maine
Maine has consumer protections beyond the standard federal Medigap rules, including additional guaranteed issue rights. This makes it somewhat easier to enroll in or switch Medigap plans in Maine than in most other states.