Best Medicare Advantage Plans Maine 2025

Selecting the best Medicare Advantage plans Maine 2025 can offer involves sifting through costs, benefits, and provider networks. Our comprehensive guide empowers you with the essential information to choose a plan that suits your healthcare priorities without overextending your budget.

 

Key Takeaways

  • Maine residents in 2025 can choose from an increased number of Medicare Advantage plans, totaling 55 options.

 

  • Medicare Advantage plans in Maine are rated by CMS, with Humana, AARP/UnitedHealthcare, and Martin’s Point Generations Advantage providing some of the highest-rated plans (up to 4.8 stars), indicating strong member satisfaction and quality of service.

 

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Maine’s Medicare Advantage Landscape for 2025

In 2025, Maine residents can choose from a wide range of Maine Medicare Advantage plans. The number of plans on offer has risen by 1.9% from the previous year, with 55 different plans now available for enrollment.

 

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This notable increase provides Maine residents with an extensive selection to find the plan that best suits their healthcare needs and budget.

On the downside, the average monthly premium for these plans has seen a considerable hike, with a 16.4% increase from 2023, settling at $13.90. However, it’s not all gloomy on this front.

There’s a silver lining, as all Maine residents still have access to affordable Medicare Advantage plans, thus expanding affordability and choice for beneficiaries.

 

Number of Plans and Average Premiums

What does this increase in plan numbers signify for Maine residents? In essence, it provides a larger selection. With 55 Medicare Advantage plans on offer, individuals can now sift through various options and select the one that best fits their healthcare requirements.

Whether it’s a plan that offers comprehensive coverage or one that’s more budget-friendly, the choice is definitely there.

 

Participating Insurance Companies

Six private insurance providers are offering Medicare Advantage plans in Maine for 2025. These providers include some of the big names like Aetna Medicare, Anthem Blue Cross Blue Shield, and Humana, amongst others.

With such a diverse pool of insurance providers, residents have the opportunity to select a plan from a company they trust and are comfortable with.

AMH Health and Martin’s Point Generations Advantage are two providers that particularly shine. They are giving Maine residents an affordable option without compromising on the quality of healthcare coverage.

 

Top-Rated Medicare Advantage Plans in Maine

Selecting the best Medicare Advantage plan involves not only considering affordability but also the quality of service. The Center for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans on a scale of one to five stars, with a five-star rating representing excellent performance.

 

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In Maine, there are several high-rated best Medicare Advantage plans from reputable providers, and most Medicare Advantage plans offer a variety of options to suit different needs.

Humana and AARP/UnitedHealthcare each have plans with a CMS star rating of 4.5 and 4.4 respectively, while Martin’s Point Generations Advantage leads the pack with a 4.8 star rating.

These high ratings indicate that these providers are performing well in terms of quality of service and customer satisfaction. For instance, Humana boasts an above-average member experience rating of 3.97 out of 5.

 

High-Star Rated Plans

If you prioritize quality, there’s a solid array of highly-rated plans in Maine to choose from. Humana, Martin’s Point Generations Advantage, and UnitedHealthcare are the providers offering 4.5-star Medicare Advantage plans in the state.

These plans offer comprehensive coverage, catering to a wide range of healthcare needs.

Martin’s Point Generations Advantage offers four plans with 4.5-star ratings: Alliance (HMO), Prime (HMO-POS), Select (PPO), and Value Plus (HMO-POS). UnitedHealthcare provides four plans with 4.5-star ratings: AARP Medicare Advantage from UHC ME-0002 (PPO), ME-0003 (PPO), ME-0005 (PPO), and UHC Northern Light Health ME-0004 (PPO).

Humana’s Medicare Advantage plans in Maine also have a high member satisfaction rating, with a CMS star rating of 4.34 out of 5.

 

Member Satisfaction and Extra Benefits

Selecting a plan involves more than just the basic considerations. The additional benefits and member satisfaction also play a significant role. Let’s take Humana, for instance.

Their 4.5-star Medicare Advantage plans in Maine are highly rated for member experience. This means that members are happy with the service, which is an important factor to consider.

On top of this, most Anthem Medicare Advantage PPO plans in Maine include:

  • Prescription drug coverage (Part D)

 

  • Additional benefits like dental, vision, and hearing coverage

 

  • Perks such as gym memberships, transportation benefits, and meal delivery services

 

These can enhance quality of life and overall well-being for members. It’s crucial to evaluate Medicare Advantage plans for these additional benefits to receive comprehensive healthcare support.

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Comparing Plan Types: HMO vs. PPO

Selecting the ideal Medicare Advantage plan involves more than just identifying a dependable provider or a plan with additional benefits. You also need to choose between different types of plans, the most common being Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans.

 

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Understanding the difference between these two can significantly impact the cost and quality of your healthcare.

HMOs restrict you to a network of providers and require seeing a primary care physician first, while PPOs allow seeing doctors outside the network and tend to have higher prices.

The choice between an HMO and a PPO can affect costs, with HMOs often having lower costs for in-network care, while PPOs offer more flexibility but at a higher cost.

 

HMO Plans

HMO plans work within a specific network of doctors and hospitals to keep costs lower. They require members to receive care from these network providers, potentially leading to higher costs if you seek out-of-network care.

Therefore, it is important to check if your preferred medical providers are part of an HMO plan’s network to ensure continuity of care and manage out-of-pocket costs.

HMO plans often feature lower costs compared to PPO plans due to the requirement to use in-network providers, which may lead to cost savings. They also typically include prescription drug coverage (Part D), offering comprehensive care.

However, they may require referrals from the primary care physician to see specialists or access certain services.

 

PPO Plans

Medicare Advantage plans in Maine provide flexibility for individuals enrolled in PPO plans.

This can give members the freedom to choose their healthcare providers within the plan’s network. They allow members to see both in-network and out-of-network providers without needing referrals for specialists. This feature makes PPO plans suitable for individuals who prioritize the ability to choose any doctor or specialist, even those outside of the plan’s network.

However, this flexibility comes at a cost. Out-of-network copays and coinsurance are generally higher in PPO plans, which could lead to increased annual out-of-pocket expenses for members.

But PPO plans often include benefits that extend beyond the coverage provided by Original Medicare Parts A and B, making them a worthwhile consideration despite the potential for higher costs.

 

Affordable Medicare Advantage Options in Maine

Although the Medicare landscape can be complex, Maine residents can tap into affordable Medicare Advantage options.

These affordable options present an opportunity for many to access comprehensive healthcare without the burden of high costs.

 

Best Low-Cost Plans

Humana distinguishes itself in the realm of budget-friendly Medicare Advantage plans in Maine.

Humana presents a top choice for those seeking affordable healthcare coverage. This, underlines the accessibility of affordable healthcare in the state.

Another provider offering low-cost plans is Anthem. Most of their Medicare Advantage HMO plans in Maine are a viable option for those seeking affordability.

 

Factors Influencing Costs

Medicare Advantage plan costs in Maine are affected by a variety of factors including:

  • Premium rates

 

  • Deductibles

 

  • Copays

 

  • Coinsurance

 

The type of plan chosen can also significantly impact the cost, with PPO plans tending to have higher costs when compared to HMO plans due to their broader provider networks and the flexibility to see doctors outside of the network.

Another critical factor is the prescription drug coverage provided by different Medicare Advantage plans. These plans have various tiers and rules for prescription drug coverage, which can significantly impact the patient’s medication costs.

Lastly, the overall value and cost of Medicare Advantage plans in Maine are also influenced by additional benefits such as dental and vision coverage.

 

Enrollment Process and Timeline

While the process of enrolling in a Medicare Advantage plan may seem intimidating, it need not be so. There are specific enrollment periods that you must be aware of, including an initial enrollment period, annual open enrollment, and special enrollment periods for specific situations.

 

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The General Enrollment Period runs from January 1 to March 31 each year, providing an opportunity for those who missed their Initial Enrollment Period to enroll.

During these periods, eligible individuals can enroll in a Medicare Advantage plan of their choice. But how does one go about it? Let’s delve into the process and the key dates you need to keep in mind.

 

How to Enroll

There are a few prerequisites to fulfill before embarking on the enrollment process. Maine residents must be enrolled in both Medicare Part A and Part B, and should have their Medicare number and dates of Medicare coverage ready. With these on hand, you can begin the enrollment process.

There are several ways to enroll in a Medicare Advantage plan. Call us at 1-844-350-0776 (TTY user 711) Mon-Fri 8am-9pm Est.

 

Key Enrollment Dates

The initial period for enrolling in a Medicare Advantage plan is three months before to three months after your 65th birthday month.

Following this, there’s the Annual Open Enrollment Period that runs from October 15 through December 7 of each year. This period allows you to make changes to your Medicare coverage, including:

  • switching from Original Medicare to a Medicare Advantage Plan

 

  • switching from a Medicare Advantage Plan back to Original Medicare

 

  • switching from one Medicare Advantage Plan to another

 

  • adding or dropping prescription drug coverage (Part D)

 

There’s also the Medicare Advantage Open Enrollment Period that occurs annually from January 1 to March 31. This period allows for plan changes or a switch back to Original Medicare.

Special Enrollment Periods are granted for situations such as being diagnosed with a qualifying disability or condition, moving out of the plan’s service area, or if the plan stops servicing their area in Maine.

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Choosing the Right Medicare Advantage Plan in Maine

Selecting the appropriate Medicare Advantage plan extends beyond merely choosing the least expensive option. To make an informed decision that aligns with your healthcare priorities, you need to understand the advantages and disadvantages of Medicare Advantage plans.

It’s also important to check if your favorite doctors and hospitals are in the plan’s network and to ensure that the plan covers the prescription drugs you need.

Moreover, you need to understand the potential higher costs for out-of-network provider visits to manage overall out-of-pocket healthcare expenses. Let’s delve deeper into the process of assessing personal needs and comparing plan options.

 

Assessing Personal Needs

Prior to selecting a Medicare Advantage plan, it’s essential to evaluate your overall health, the healthcare services you typically use, and any specific medical conditions that necessitate specialized care or medications.

Evaluating a Medicare Advantage plan’s prescription drug coverage is particularly vital for individuals on regular medications.

 

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This includes checking if your medications are covered in the plan’s formulary and understanding the associated costs. By doing so, you can ensure that you choose the best Medicare Advantage coverage for your needs.

In addition, when choosing a health insurance plan, consider the following factors:

  • Your budget for premiums, deductibles, copayments, and coinsurance

 

  • Whether preferred medical providers participate in the plan’s network

 

  • Any extra benefits that align with your lifestyle

 

These considerations will help ensure that the costs and coverage of the healthcare plan align with your financial situation and healthcare needs.

If you qualify for both Medicare and Medicaid, consider a Dual-Eligible Special Needs Plan (D-SNP), designed for those with special healthcare needs or on a low income.

 

Comparing Plan Options

After evaluating your personal needs, you can proceed to compare various plan options. Here are some ways to compare plans:

  1. Seek expert advice from a licensed insurance agent or Medicare counselors.
  2. Compare plans by entering your ZIP code on Medicare plan comparison websites.
  3. Enter your doctor’s name and prescription medications to personalize search results.

 

Reviewing and comparing information on Medicare Advantage plans is essential to make a well-informed decision. To compare Medicare Advantage plans effectively, consider the following factors:

  • Coverage

 

  • Premiums

 

  • Copayments

 

  • Deductibles

 

  • Network providers

 

It’s also important to consider the plan’s costs, including premiums, deductibles, copays, and coinsurance to ensure affordability.

Summary

In summary, selecting the right Medicare Advantage Plan in Maine involves a careful evaluation of personal healthcare needs, budget, and the offerings of various providers. With an array of affordable options and high-rated plans available, Maine residents can find a plan that offers them comprehensive healthcare coverage without breaking the bank.

So remember, while the task may seem daunting, with the right guidance and careful consideration, you can navigate the Medicare landscape with ease and confidence.

 

Frequently Asked Questions

 

Which Medicare Advantage plan has the highest rating?

The highest-rated Medicare Advantage plan is offered by Humana for 2025, being recognized for its high quality ratings, widespread availability, and good customer satisfaction. Current customers have reported better healthcare quality compared to other providers like AARP/UHC.

 

What is the highest rated Medicare supplement company?

AARP/UnitedHealthcare is ranked as the highest rated Medicare supplement company for its low rates and valuable extras, making it the best overall choice according to industry experts.

 

How many Medicare Advantage plans are available in Maine in 2025?

In 2025, there are 55 Medicare Advantage plans available in Maine in comparison to surrounding states such as Vermont.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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Speak with a licensed insurance agent

1-844-350-0776
TTY 711

Mon-Fri : 8am-9pm ET