Medicare Supplement Insurance (Medigap) helps Maine residents reduce the out-of-pocket costs that Original Medicare does not cover, such as deductibles, coinsurance, and copayments. In Maine, insurers may offer up to 10 standardized Medigap plan options: A, B, C, D, F, G, K, L, M, and N.
Get a More Accurate Price
Most Popular Medigap Plans in Maine
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 30,325 |
| 2 | G | 13,824 |
| 3 | N | 8,086 |
Note: Plans E, H, I, and J were retired nationwide and are no longer available. Pre-standardized policies (sold before July 1992) may still be in force but are no longer issued.
How Medigap Pricing Works in Maine
Medigap premiums are based on pricing methods that determine how costs rise over time. These methods include:
- Attained-age rated – Premiums increase as you get older.
- Issue-age rated – Premiums are set by your age when you purchase the policy and rise with inflation, not age.
- Community rated – Everyone pays the same premium regardless of age.
Unlike many other states, Maine law has a history of limiting how aggressively premiums can be adjusted, offering consumers a stronger layer of protection against rate spikes.
Under-65 Eligibility in Maine
Medigap in Maine is notable for being more inclusive than in most states. People under 65 with disabilities or end-stage renal disease (ESRD) must be offered access to all Medigap plans. Insurers cannot set higher premiums based solely on age, making Maine one of the more consumer-friendly states for younger Medicare beneficiaries.
Choosing the Right Medigap Plan
With Plan F still popular among long-time beneficiaries, many new enrollees are turning to Plan G or Plan N for strong coverage at competitive rates. Each plan works nationwide, meaning Maine residents can use Medigap coverage at any doctor or hospital that accepts Medicare.
To compare premiums and benefits in your ZIP code, visit our Medigap rate comparison tool and explore your options side by side.