Medicare Supplement

Medigap in Maine for 2027: 12 Insurers and the Plans They Sell

PORTLAND, Maine — For people on Original Medicare in Maine, a Medicare Supplement policy — better known as Medigap — is the add-on that helps pay the shares of Part A and Part B that Medicare itself leaves to the patient. Medicare.gov's Medigap policy search for ZIP code 04101 currently lists 12 insurers selling standardized Medigap plans to Maine residents, with coverage identified by federal letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. The letters work the same at every company; what differs between carriers is price, service and underwriting.

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This explainer walks through what Medigap is, who sells it in Maine, when you can buy it without medical questions, how a Medicare Advantage non-renewal can open a special door into Medigap, and why Part D prescription coverage is a separate decision.

What is Medigap and how is it different from Medicare Advantage in Maine?

Medigap is private insurance that sits next to Original Medicare (Part A and Part B) and pays some of what Medicare does not — things like coinsurance and hospital costs. Medicare Advantage (Part C) is a different choice entirely: it replaces how you get your Part A and Part B benefits by routing them through a private plan, usually with a network and often with extras bundled in. You cannot hold both at once. With Medigap plus Original Medicare you can generally see any provider in the country who accepts Medicare, and your supplement pays its share after Medicare pays first. The letters A through N are federal standardizations, which means Plan G from one Maine insurer covers the same federal benefits as Plan G from another.

Which insurers sell Medigap in Maine and what plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 04101 lists 12 companies selling Medigap in Maine. What is available can differ by ZIP code and by age, sex and tobacco use, so always confirm for your own address.

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• AFLAC: A, C, D, F, G, N
• Anthem Blue Cross Blue Shield – Maine: A, F, G, N
• Bankers Life (underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• Harvard Pilgrim Health Care Inc.: A, F, G, M, N
• Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L, N
• Insurance Company of North America: A, F, G, G-HD, N
• Medco Containment Life Insurance Company: A, F, G, G-HD, N
• Mutual of Omaha (United of Omaha Life Insurance): A, F, G, G-HD, M
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• United American Insurance Company: A, B, D, F, F-HD, G, G-HD, K, L, N
• USAA Life Insurance Company: A, F, G, N

A note on two popular letters: Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. If you qualified before that date, you may still buy them if a carrier offers them.

When is the six-month Medigap Open Enrollment Period in Maine and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B. During it, any Medigap plan sold in Maine must be issued to you without medical underwriting, regardless of your health history. Outside that window — and outside the guaranteed-issue situations below — insurers in most states can ask health questions and decline you or charge more. That is why the six-month window is widely considered the most important date on a Medicare beneficiary's calendar after Part B itself.

What happens to Medigap rights in Maine if my Medicare Advantage plan is not returning for 2027?

According to CMS Landscape files, 14 Medicare Advantage plans offered in Maine in 2026 are not being offered anywhere in the state in 2027. If you are enrolled in one of those non-renewing plans, federal rules give you a guaranteed-issue right to buy certain Medigap plans from any carrier that sells them, without medical underwriting, within a set window tied to the end of your Advantage coverage. Your plan's non-renewal notice will spell out the dates; Medicare.gov and 1-800-MEDICARE can confirm which Medigap letters your guaranteed-issue right covers.

Does Medigap cover prescriptions in Maine, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so Maine residents who want help paying for medications enroll in a stand-alone Medicare Part D plan separately. Annual Enrollment 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan.

How should I compare Medigap policies in Maine?

Start by picking the letter — the benefit package — and then shop that letter across the carriers listed above, because every Plan G, for example, covers the same federal benefits. From there, premium, rate-increase history, customer service and billing practices are what actually differ. Ask each insurer how they rate (by age, by issue age or community rated), whether they offer any household or payment discounts, and when they typically file rate changes. The Medicare Plan Finder at medicare.gov lets you pull up Medigap options for your exact ZIP code, and insurers' own outlines of coverage spell out the standardized benefits side by side.

Where can I get free help with Medigap in Maine?

Medicare.gov hosts the official Medigap policy search and the Medicare Plan Finder for Part D. You can also call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, seven days a week, to ask about Medigap rules, guaranteed-issue rights after a plan non-renewal, and the enrollment periods that apply to your situation.