Medicare Advantage

Compare 50 Maine Medicare Advantage Plans for 2027 From 6 Carriers

AUGUSTA, Maine — Medicare households across Maine can now line up their 2027 Medicare Advantage choices against the official federal plan list before the Annual Enrollment 2027 deadline on December 7, 2026. The Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for CY2027 show 50 Medicare Advantage plans available somewhere in Maine for the 2027 plan year, offered by 6 carriers. Any choice made during Annual Enrollment 2027 takes effect January 1, 2027.

Because Medicare Advantage is sold county by county, a plan counted in the statewide total may or may not be offered in your own county. The statewide picture tells you how much choice is in the market; the Medicare Plan Finder at medicare.gov tells you what is actually on the shelf where you live.

How many Medicare Advantage plans are offered in Maine for 2027?

Maine has 50 Medicare Advantage plans for the 2027 plan year, offered by 6 carriers, according to the CMS MA Landscape Source File for CY2027. Of those 50 plans, 44 include Part D prescription drug coverage. Compared with the CY2026 file, 12 plans are new for 2027 and 14 plans are not returning for 2027. Those year-over-year numbers matter in two ways: new plans give shoppers more to look at, and non-returning plans mean some current members will receive a non-renewal notice and will need to pick a new plan or return to Original Medicare.

Every number in this article is a statewide count. The exact menu in Aroostook County is not the same as the menu in Cumberland County, and the Plan Finder will narrow the 50 down to the ones your ZIP code can actually enroll in.

What types of Medicare Advantage plans are available in Maine for 2027?

Maine's 50 Medicare Advantage plans for 2027 break down into 15 HMO plans, 15 HMO-POS plans and 20 PPO plans. HMO and HMO-POS plans generally organize care through a defined network with a primary care doctor, while PPO plans allow out-of-network care, usually at a higher cost share. The right fit depends on which doctors and hospitals you want to keep using and how often you travel.

Within the 50 plans, 18 are Special Needs Plans: 14 Dual Eligible Special Needs Plans (D-SNP) for people who have both Medicare and Medicaid (MaineCare), 3 Chronic Condition Special Needs Plans (C-SNP) for people with qualifying chronic conditions, and 1 Institutional Special Needs Plan (I-SNP) for people who live in or need the level of care provided in an institution. SNPs have specific eligibility rules, so not every shopper qualifies.

Which carriers offer Medicare Advantage plans in Maine for 2027?

Six carriers offer Medicare Advantage plans in Maine for 2027: Aetna (CVS Health), Centene (WellCare), Elevance Health (Anthem), Humana, Martin's Point Generations Advantage and UnitedHealthcare. The per-carrier plan counts and plan types are listed in the table on this page. Humana lists the largest number of plans statewide at 13 and Centene the fewest at 5, but a plan count is not a quality judgment — a carrier with fewer plans may still offer the specific plan that fits your county, your doctors and your prescriptions.

Five of the six carriers (Aetna, Centene, Elevance Health, Humana and UnitedHealthcare) also offer D-SNP plans in Maine for 2027. Dual eligibility with MaineCare is required to enroll in a D-SNP.

How do I compare Medicare Advantage plans in my own Maine county for 2027?

Open the Medicare Plan Finder at medicare.gov, enter your ZIP code, and work through the same checklist for every plan you are considering. The goal is to compare plans on the things that will actually affect you in 2027, not on the brand name.

1. Doctors and hospitals. Confirm each provider you use is in-network for the specific plan — not just the carrier. A carrier can offer several plans with different networks. 2. Prescriptions. Enter every drug you take, with dose and frequency. The Plan Finder will show each plan's formulary tier and estimated yearly drug cost. 3. Pharmacies. Add your preferred pharmacy. Preferred versus standard pharmacy status can change your out-of-pocket cost on the same drug. 4. Annual Notice of Change (ANOC). If you already have a Medicare Advantage plan, the ANOC your carrier mailed in September explains what is changing for 2027 — premium, cost sharing, network, formulary and extras. 5. Non-renewing plans. If your plan is one of the 14 not returning for 2027, you will receive a separate notice from the carrier and will have special enrollment rights. 6. Evidence of Coverage. For the fine print on any plan, read the plan's own Evidence of Coverage or call the carrier directly.

What should Maine Medicare shoppers do before December 7, 2026?

Before December 7, 2026, confirm your 2027 choice is entered in the Medicare system and keep the confirmation number. Annual Enrollment 2027 runs October 15 – December 7, 2026, and the plan you pick starts January 1, 2027. If you take no action and your current plan is renewing, you stay in it for 2027 with the 2027 terms described in your ANOC. If your current plan is not returning for 2027, you need to make an active choice to avoid a gap in Medicare Advantage or Part D coverage.

A short written list helps: your doctors, your hospitals, your prescriptions with doses, your pharmacy, and any travel plans. That list is what turns a statewide count of 50 plans into the two or three plans worth comparing in detail.

Where can Maine residents get free help with Medicare for 2027?

Free, unbiased help is available directly from Medicare. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, including TTY at 1-877-486-2048. Online, medicare.gov hosts the official Plan Finder, enrollment tool and account login where you can view your current coverage and compare 2027 plans in your ZIP code. Both resources are free, and neither sells insurance.