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Medicare Advantage Plans in Maine

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What are Medicare Advantage plans?

If you’re enrolled in Medicare in Maine, you may already be familiar with Original Medicare, Part A and Part B. But did you know that you might have other Medicare plan options, such as Medicare Advantage?

Many American citizens and legal residents in Maine are automatically enrolled in Original Medicare when they turn 65 or qualify by disability or having end-stage renal disease or Lou Gehrig’s disease. You must be an American citizen or permanent legal resident of at least five years in a row. The same is true for the other states. You can stay with Original Medicare, but be aware that it doesn’t cover prescription drugs in most situations.

When you’re enrolled in a Medicare Advantage plan, you get your Medicare benefits through a private, Medicare-approved health insurance company instead of directly through the government. Medicare Advantage plans must provide at least the same coverage as Medicare Part A and Part B benefits (except hospice care, which is still covered under Medicare Part A). Many plans also include prescription drug coverage, and sometimes other benefits such as routine dental, vision, and hearing services. Costs and benefits may vary from plan to plan, as does availability.

Prescription drug coverage with Medicare Advantage plans in Maine

As mentioned above, many Medicare Advantage plans in Maine include prescription drug coverage, allowing you to get your Medicare benefits in a single plan. These plans are also referred to as Medicare Advantage Prescription Drug plans.

Every Medicare Advantage Prescription Drug plan has a formulary, which is a list of the prescription drugs the plan covers. Formularies can vary from plan to plan, so you might want to make sure your medications are listed in the formulary of any plan you’re considering. Be aware that a plan’s formulary may change at any time. You will receive notice from your plan when necessary.

You can usually sign up for a Medicare Advantage plan when you’re first eligible for Medicare and enrolled in Medicare Part A and Part B. Another popular time to change your coverage – such as signing up for, or switching, Medicare Advantage plans – is during the Annual Election Period every fall, from October 15 through December 7. In some situations, you might qualify for a Special Election Period when you can enroll in Medicare Advantage.

Choosing a Medicare Advantage plan in Maine

You might want to explore the various types of Medicare Advantage plans before making a final selection. Not every type of Medicare Advantage plan may be available in your county in Maine. Costs of plans will also vary, in terms of monthly premiums, copayments, and other out-of-pocket expenses.

No matter what type of Medicare Advantage plan you sign up for, you must continue paying your Medicare Part B premium, as well as any premium the plan may charge you.

To start comparing plan options in your part of Maine, just enter the zip code in the form on this page.

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