About 360,000 people in Maine — more than a quarter of the state’s population — are signed up for Medicare
[1]
.

Medicare is the federal health insurance program for people ages 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private companies. It offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.

» MORE: Medicare vs. Medicare Advantage: Which should I choose?

What to know about Medicare in Maine
More than 1 in 5 people in Maine are 65 and older, and there are a variety of Medicare Advantage plans in the state
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:

The average monthly premium in 2023 for a Medicare Advantage plan in Maine is $11.25. (It was $14.14 in 2022.)

There are 54 Medicare Advantage plans available in Maine in 2023. (This is down from 57 plans in 2022.)

All Medicare-eligible people in Maine have access to a $0-premium Medicare Advantage plan.

Medicare Advantage companies in Maine
Aetna Medicare.

AMH Health.

Humana.

Martin's Point Generations Advantage.

UnitedHealthcare.

Wellcare.

Top-rated Medicare Advantage plans in Maine
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Maine for the 2023 plan year
[3]
. (Check out more information about Medicare star ratings.)

5-star plans
The companies below offer plans in Maine that are rated 5 out of 5 stars by CMS:

Martin's Point Generations Advantage.

UnitedHealthcare.

4.5-star plans
The companies below offer plans in Maine that are rated 4.5 out of 5 stars by CMS:

Humana.

Martin's Point Generations Advantage.

This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.

» MORE: Best Medicare Advantage plans
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Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

Medicare Advantage companies
Get more information below about some of the major Medicare Advantage companies. These insurance companies offer plans in most states. The plans you can choose from will depend on your ZIP code and county.