I am Keith Faris, an independent Medicare specialist licensed in Maine and 12 other states. This page covers everything you need to know about Medicare in Maine for 2026, including costs, top carriers, local resources, and how to enroll.
Maine Medicare At a Glance (2026)
On this page
Cities and regions we serve in Maine
Whether you live in a major Maine metro or a small town, we work with Maine residents statewide by phone, video, or in person depending on location. Maine's major regions include: Greater Portland, Central Maine, Down East (Coastal), Western Maine, Aroostook County.
Not seeing your city? We work statewide in Maine. Call 1-888-289-1198 or send a message.
Maine's Medicare market: what you need to know
Maine is one of the most senior-friendly Medicare states in the country. It uses community-rated Medigap pricing (rates don't go up because you age) AND offers year-round guaranteed issue for Medigap with no medical underwriting. This is unique and very valuable.
Snowbird and travel note: Many Maine retirees winter in Florida or Arizona. The state's harsh winters drive significant snowbird traffic.
Maine's Medigap protections are some of the strongest in the country. Year-round guaranteed issue means you can switch Medigap carriers any time without health questions. Maine also has the Medicare Savings Program with somewhat higher income thresholds than the federal floor.
Top Medicare carriers in Maine
Top Medicare Advantage carriers in Maine
- Anthem
- Martin's Point
- Humana
- UnitedHealthcare
- Aetna
Top Medicare Supplement (Medigap) carriers in Maine
- Anthem Blue Cross
- Mutual of Omaha
- UnitedHealthcare/AARP
- Cigna
- USAA
Because we are an independent agency, we represent every major carrier in Maine (and others). That means we can show you plans from any of these companies and find what actually fits your doctors, prescriptions, and budget. Read our guide on independent agents to learn why this matters.
Maine's Medigap birthday rule
Maine has a Medigap birthday rule. year-round guaranteed issue (Maine is unique). This lets you switch your Medicare Supplement plan once a year around your birthday without medical underwriting.
This is a major advantage. In most states, switching Medigap after your initial 6-month enrollment window requires answering health questions. With Maine's birthday rule, you can shop your Medigap every year and switch to a cheaper plan with the same benefits, even if your health has changed.
Learn more in our state-by-state birthday rule guide.
How much does Medicare cost in Maine?
Medicare costs in Maine for 2026:
- Part A (hospital): $0/month for most Maine residents who worked 10+ years
- Part B (medical): $202.90/month standard nationwide (higher with IRMAA for higher incomes)
- Part D (drugs): $10-90/month for a plan, $2,100/year out-of-pocket cap
- Medigap (optional): Average $165-220/month for Plan G in Maine
- Medicare Advantage: Often $0/month beyond your Part B premium
A typical Maine resident pays $3,000-$7,000 per year total for Medicare depending on which coverage path they choose. See our complete 2026 Medicare cost guide for detailed scenarios.
Free Medicare resources for Maine residents
- Maine SHIP (SHIP): 1-877-353-3771 - Free, unbiased Medicare counseling
- Maine Medicaid: 1-855-797-4357 - Medicare Savings Program applications (QMB, SLMB, QI)
- Aging services in Maine: maine.gov/dhhs/oads
- Medicare.gov Plan Finder: Search plans available in your Maine zip code
- Social Security Administration: 1-800-772-1213 - Medicare enrollment, Extra Help applications
How a Medicare call with Keith works
A free 20-minute call is the easiest way to find out if I can help your Maine situation. Here is what we cover:
- A simple explanation of how Medicare actually works for Maine residents
- The top 3 Medicare Supplement (Medigap) options in your Maine zip code with real premium numbers
- The top 3 Medicare Advantage plans available in your county, checked against your specific doctors and prescriptions
- A side-by-side comparison so you can see the trade-offs in real dollars
- Answers to your specific questions, no scripts
- A check on whether you qualify for Maine Medicare Savings Programs or Extra Help
- Zero obligation to enroll in anything
What I help Maine clients with
- Medicare Supplements (Medigap) in Maine: Plans G, N, F, High-Deductible G
- Medicare Advantage plans for Maine: HMO, PPO, and Special Needs Plans
- Prescription Drug Plans (Part D) with annual reviews
- Senior life insurance: final expense and term
- Fixed indexed annuities
- Annual plan reviews every fall during AEP (October 15 - December 7)
- IRMAA appeals using Form SSA-44 for Maine residents with reduced income
- Medicare Savings Programs (QMB, SLMB, QI) eligibility screening
Free Medicare tools for Maine residents
Start on your own with these free tools (no signup required):
- Medicare Plan Picker Quiz - find out if a Supplement or Advantage plan fits you
- Medicare Timing Checker - see exactly when you can enroll
- IRMAA Calculator - find out if you will owe an income-based surcharge
- Penalty Calculator - what late enrollment would cost
- Should I Switch? Tool - decision tool for Annual Enrollment
Maine Medicare FAQ
How much does Medicare cost in Maine?
The Part B premium ($202.90/month in 2026) is the same nationwide. Maine residents pay an average of $165-220/month for a Medicare Supplement Plan G. Medicare Advantage plans in Maine are often $0/month beyond Part B. Total annual Medicare costs in Maine typically run $3,000-$7,000 depending on your coverage choice. See our full 2026 cost guide.
How many Medicare Advantage plans are available in Maine?
Maine has 15-25 plans in metro counties in major metro areas. Rural counties have fewer options. 45% of Maine Medicare beneficiaries are enrolled in Medicare Advantage plans, compared to the national average of about 51%.
Who are the top Medicare carriers in Maine?
The top Medicare Advantage carriers in Maine are Anthem, Martin's Point, Humana, and others. The top Medigap (Medicare Supplement) carriers include Anthem Blue Cross, Mutual of Omaha, UnitedHealthcare/AARP, plus regional options. An independent agent can compare plans across all of these in one conversation.
When can I enroll in Medicare in Maine?
The Medicare enrollment windows are the same in every state. You have a 7-month Initial Enrollment Period around your 65th birthday. The Annual Enrollment Period runs October 15 to December 7 every year. Special Enrollment Periods may apply if you have a qualifying life event. See our AEP 2026 guide.
Where can I get free Medicare help in Maine?
Maine residents can call Maine SHIP at 1-877-353-3771 for free, unbiased Medicare counseling. The state Medicaid office handles Medicare Savings Programs applications and can be reached at 1-855-797-4357. Visit maine.gov/dhhs/oads for more state aging resources.
