Medicare Part D

Maine Part D Plans for 2027: 8 Stand-Alone Drug Plans From 4 Insurers, Down From 9

AUGUSTA, Maine — People with Original Medicare in Maine will choose from 8 stand-alone Medicare Part D prescription drug plans in 2027, offered by 4 insurers. That is one fewer plan and one fewer insurer than in 2026, when 9 plans were offered by 5 companies. The plans are sold across the CMS Part D region called Northern New England, which pairs Maine with New Hampshire, so every plan counted here is available anywhere in the state.

Medicare Part DMaine

The 2027 lineup takes effect January 1, 2027. The time to compare and switch is Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026.

How many stand-alone Part D plans does Maine have for 2027?

Maine has 8 stand-alone Medicare Part D plans from 4 insurers for 2027, down from 9 plans and 5 insurers in 2026. The drop reflects one net change on each side: a new entrant joined the state's stand-alone market, and two insurers that offered plans in 2026 are not offering stand-alone Part D plans in Maine in 2027.

New to Maine's stand-alone Part D market for 2027: Blue Cross and Blue Shield of IL, NM, OK, TX. Offered stand-alone plans in 2026 but not in 2027: Aetna Medicare and HealthSpring. Because Maine sits in the Northern New England Part D region with New Hampshire, the same stand-alone plan menu is sold statewide — from Kittery to Fort Kent.

Which insurers offer stand-alone Part D plans in Maine for 2027?

Four insurers offer stand-alone Part D plans in Maine for 2027. Listed alphabetically, with the number of plans each has:

• Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

That adds to the 8 plans available region-wide. This list does not rank the insurers and does not include the drug coverage that is built into most Medicare Advantage plans, which is a separate product.

What do the 2027 Part D out-of-pocket cap and deductible limit mean for Mainers?

In 2027, the most anyone enrolled in a Part D plan will pay out of pocket for covered drugs in a year is $2,400, up from $2,100 in 2026. Once a plan member's covered drug spending reaches that cap, the plan pays 100% of the cost of covered drugs for the rest of the calendar year.

Also in 2027, no Part D plan in Maine may charge a yearly drug deductible higher than $700. Individual plans may set a lower deductible, or none at all; the $700 figure is the ceiling CMS allows. For reference, the Part D base beneficiary premium — a national figure CMS uses to calculate the late-enrollment penalty, not the premium of any particular plan — is $41.33 for 2027.

Which Maine Part D plans can someone with full Extra Help join with no premium in 2027?

In 2027, 2 of Maine's stand-alone Part D plans qualify as low-income benchmark plans, meaning a person who receives the full Low-Income Subsidy (Extra Help) can enroll in them with a $0 monthly plan premium. In 2026, 3 Maine stand-alone plans met the benchmark.

Extra Help is the federal program that lowers Part D premiums, deductibles, and copays for people with limited income and resources. Someone who already has Extra Help and is enrolled in a plan that is no longer a benchmark plan for 2027 may want to compare options during Medicare Open Enrollment 2027. Applications for Extra Help are handled by the Social Security Administration.

How does stand-alone Part D compare with the drug coverage built into Medicare Advantage in Maine?

Stand-alone Part D plans pair with Original Medicare and cover prescription drugs only; the 8 plans counted here are those stand-alone products. Most Medicare Advantage plans bundle drug coverage with medical coverage into a single plan, and those bundled plans are counted separately and not included in this article.

A Mainer generally picks one path or the other: Original Medicare plus a stand-alone Part D plan (and often a Medigap policy), or a Medicare Advantage plan that includes drug coverage. The Medicare Plan Finder at medicare.gov shows both tracks side by side.

How can I check a Maine Part D plan's drug list and pharmacies before December 7, 2026?

The quickest way is to use the Medicare Plan Finder at medicare.gov, where you can enter your ZIP code and your prescriptions and see each 2027 plan's formulary (its list of covered drugs), its pharmacy network, and its mail-order options. You can also call 1-800-MEDICARE, which is open 24 hours a day, seven days a week.

Before December 7, 2026, it helps to confirm three things for 2027: that each of your drugs is on the plan's formulary, that your regular pharmacy is in the plan's network (preferred pharmacies may cost less than standard ones), and that any coverage rules — such as prior authorization or step therapy — fit your situation. Plan documents from the insurer are the authoritative source for those details.

Where can Mainers get free help choosing a Part D plan for 2027?

Free, unbiased help is available from Medicare itself. The Medicare Plan Finder at medicare.gov lets you compare every 2027 stand-alone Part D plan available in Maine, and 1-800-MEDICARE (TTY 1-877-486-2048) has representatives who can walk through options over the phone at no cost.

As a Social Security note that affects household budgets heading into 2027: on October 14, 2026, the Social Security Administration announced a 3.6% cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of this writing; CMS typically releases those figures in the fall.