Best Medicare Supplement Plans in Maine 2026
Maine requires community rating (same premium at any age) and year-round guaranteed issue (no medical underwriting ever). Medco Containment offers the lowest Plan G at $235/mo and Plan N at $189/mo. Over 30+ carriers serve Maine.
Maine: Community Rating and Year-Round Guaranteed Issue
Maine is one of a small number of states that requires both community rating and year-round guaranteed issue. Community rating means every enrollee pays the same premium regardless of age or gender. Guaranteed issue means no carrier can deny your application or charge more based on pre-existing conditions at any time of year. Maine also extends the Medicare Advantage trial period to three years, giving you more time to switch back to Medigap if you try MA and want to return.
Community Rating
Same premium at any age
Guaranteed Issue
Year-round, no underwriting
MA Trial Period
3 years (vs. 1 year federal)
More than 200,000 Maine residents have Medicare Supplement Insurance, also called Medigap. Maine stands out from most states because it requires community rating and year-round guaranteed issue. Community rating means every enrollee pays the same premium regardless of age or gender. Guaranteed issue means no carrier can deny your application or charge more based on pre-existing conditions at any time of year.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan G premiums in Portland range from $235/mo (Medco Containment) to over $275/mo (Anthem) for a 65-year-old. The state average is $291/mo, so shopping carefully can save $50/mo or more.
Medco Containment is the standout carrier for value, offering the lowest Plan G ($235/mo) and Plan N ($189/mo) in Maine. State Farm provides the highest financial strength (A++) with a large local agent network. United American uses issue-age pricing, which locks your premium at your enrollment age. Mutual of Omaha is the only carrier offering community pricing in Maine, meaning your premium stays the same regardless of age.
Compare the Best Medicare Supplement Plans in Maine
Our top-rated Medigap carriers in Maine, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Portland area and are updated for 2026.
Medco Containment
Plan G
$235/mo
Plan N
$189/mo
AM Best
Not Rated
Medco Containment offers the lowest Plan G ($235/mo) and Plan N ($189/mo) in Maine, saving seniors $56 and $27 per month compared to the state average. The carrier focuses on Plans A, F, G, and N with straightforward pricing.
State Farm
Plan G
$261/mo
Plan N
$N/A
AM Best
A++
State Farm carries the highest financial strength rating (A++) in Maine's Medigap market and offers the lowest Plan D at $260/mo. A large network of local agents across Portland, Bangor, and rural Maine provides personalized service.
Anthem
Plan G
$275/mo
Plan N
$N/A
AM Best
A
Anthem offers the lowest Plan F in Maine at $258/mo, saving $65/mo vs. the state average. The carrier has a broad provider network and competitive pricing on Plans A, F, G, and N.
United American
Plan G
$250/mo
Plan N
$N/A
AM Best
A+
United American offers the lowest Plan A ($174/mo), Plan B ($246/mo), and Plan L ($175/mo) in Maine. The carrier has served Medigap enrollees since 1966 and uses issue-age pricing, which locks your premium at your enrollment age.
Mutual of Omaha
Plan G
$252/mo
Plan N
$N/A
AM Best
A+
Mutual of Omaha offers the lowest Plan M in Maine at $186/mo and is one of the few carriers using community pricing in Maine, meaning your premium stays the same regardless of age. HDG Plan G is available from $58/mo.
Maine Medigap Premium Comparison
Monthly premiums for a 65-year-old in Portland, Maine. Rates are for standard Plan G, Plan N, and Plan F. Because Maine requires community rating, these rates apply to enrollees of all ages.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Medco Containment | $235/mo | $189/mo | $N/A |
| United American | $250/mo | $N/A | $N/A |
| Mutual of Omaha | $252/mo | $N/A | $338/mo |
| USAA (military only) | $256/mo | $N/A | $N/A |
| State Farm | $261/mo | $N/A | $318/mo |
| Anthem | $275/mo | $N/A | $258/mo |
| AARP / UnitedHealthcare | $268/mo | $N/A | $N/A |
| Transamerica | $264/mo | $N/A | $N/A |
Rates are for a 65-year-old in Portland, Maine. Because Maine requires community rating, these rates apply to enrollees of all ages. N/A indicates the plan is not offered by that carrier in Maine. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Maine
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Maine. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest ME rate) | $235/mo (Medco Containment) | $189/mo (Medco Containment) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Maine guaranteed issue switching | Can switch to Plan N anytime | Can switch to Plan G anytime |
| Best for | Frequent care, predictable costs | Healthy seniors, low monthly costs |
Maine's year-round guaranteed issue is the most powerful Medigap protection in the country. You can switch plans at any time without medical underwriting. Medco Containment at $235/mo is the lowest Plan G in Maine, saving $56/mo vs. the state average. Because Maine requires community rating, your premium will not increase simply because you age. Review your plan every year and switch to a lower-cost carrier if one becomes available. For the highest financial strength, State Farm (A++) offers Plan G at $261/mo with local agents statewide. Call Maine SHIP at (877) 353-3771 for free help comparing plans and understanding your guaranteed issue rights.
Maine Medigap Rules You Should Know
Community Rating Required
Maine law requires all Medigap carriers to use community rating, meaning every enrollee pays the same premium regardless of age or gender. Your premium will not increase simply because you get older. Premiums can still rise due to inflation and medical cost trends, but age alone is never a factor.
Year-Round Guaranteed Issue
Maine is one of a small number of states that requires carriers to offer guaranteed issue Medigap coverage year-round. Insurers cannot deny your application or charge a higher premium based on pre-existing conditions at any time of year, not just during your initial Open Enrollment Period.
Extended Medicare Advantage Trial Period
Federal law gives you one year to try Medicare Advantage and return to Original Medicare with guaranteed Medigap rights. Maine extends this trial period to three years. If you enrolled in an MA plan and want to switch back to Medigap, you have up to three years to do so with full guaranteed issue protections.
No Birthday Rule
Maine does not have a birthday rule. However, because Maine already requires year-round guaranteed issue, a birthday rule is unnecessary. You can switch Medigap plans at any time of year without medical underwriting.
Attained-Age vs. Community Pricing
While Maine law requires community rating, some carriers use attained-age pricing structures in their filings. Always confirm the pricing method with the carrier before enrolling. Community-rated plans are generally the better long-term value because your premium does not increase as you age.
Under-65 Coverage Not Required
Maine does not require carriers to offer Medigap to Medicare beneficiaries under age 65 who qualify due to disability. If you are under 65 and on Medicare, contact the Maine Bureau of Insurance at (800) 300-5000 to learn which carriers voluntarily offer coverage.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Affordability
Monthly premium for Plan G at age 65 compared to the Maine state average of $291/mo.
Financial Strength
AM Best rating: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), or lower.
Plan Availability
Number of plan types offered in Maine, with extra weight for Plans G, N, and F.
Pricing Method
Community pricing scores highest, then issue-age, then attained-age.
Customer Satisfaction
NAIC complaint ratio and J.D. Power scores where available.
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
Maine's Guaranteed Issue Means You Can Switch Plans Anytime
Maine requires year-round guaranteed issue and community rating. Medco Containment offers Plan G from $235/mo, saving $56/mo vs. the state average. Call Maine SHIP at (877) 353-3771 for free counseling.