The Best Medicare Supplement (Medigap) Plans in Maine

Christian Worstell
In this article...
  • This review of Medicare Supplement insurance in Maine helps you choose a Medigap plan to pay for coinsurance, deductibles and other costs not covered by Medicare.

When you sign up for Medicare, you can personalize your coverage by adding on optional private insurance policies. One third (33%) of people with Medicare benefits in Maine also have a Medicare Supplement (Medigap) plan.1

Medicare pays a portion of covered services through Part A hospital and Part B medical insurance. If you add on a Medigap plan, your insurance company picks up some of the out-of-pocket costs that normally fall to seniors. This includes deductibles, copays and foreign travel emergencies, depending on the type of plan you have. 

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Medicare Supplement Plans in Maine?

Insurance companies can only sell 10 types of standardized Medigap plans in Maine, identified by a letter between A and N. These plans have set benefits, so policies with the same letter name are interchangeable except for premiums. This makes it easier for consumers to comparison shop, as any Plan G in Maine provides identical coverage even if sold by different insurance companies.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Plan A is the most basic Medicare Supplement insurance you can buy. It includes the four core benefits provided by all Medicare Supplement plans in Maine:

  • Part A hospital costs and coinsurance
  • Part A hospice care coinsurance
  • Part B coinsurance and copayments
  • First three pints of blood

Other Medigap plans build on these core benefits. Plan N, for example, which is one of the most popular options, includes everything covered by Plan A, plus:

Plan G is one of the most robust plans. It builds on Plan N by also covering excess charges. With Plan G, you don't need to worry whether health care providers are tacking on fees above the Medicare-approved amount. Original Medicare does not pay for these excess charges, but Plan G picks up the tab.

Plan F is the same as Plan G but also includes the Part B deductible. Plan F is limited to beneficiaries eligible for Medicare before 2020 because Medigap no longer pays the Part B deductible for new enrollees.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a Maine Medigap Plan?

Medigap enrollment isn't automatic. If you want a Medicare Supplement plan, you must apply to a private insurance provider and pay monthly premiums. The optimal time to purchase a Medigap policy in Maine is when your personal Medigap open enrollment period begins.

During this six-month window — which starts when you're 65 and have Medicare Part B — you have an important advantage: the right to buy any Medigap policy in Maine (except Plans C and F, if you're a new enrollee). Insurance companies can't base your coverage on the results of a medical screening, and must sell you the plan despite any pre-existing health conditions. Once you have your Medigap policy, it's guaranteed to be renewable.

Outside of your Medigap open enrollment period,  insurers can ask you to complete a health questionnaire and base premiums on their assessed risk. 

Medicare does have provisions in place so you can get a Medicare Supplement plan if something unusual happens with your existing health insurance. You may have guaranteed issue rights to Medigap if:

  • Your union or employer plan is terminated
  • You drop a Medicare Advantage plan during your trial right period
  • Your insurance company goes out of business

If you qualify for guaranteed issue rights, you have 63 days after the end of your coverage to join a new Medigap policy in Maine without underwriting by insurance companies.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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