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Medicare Supplement Insurance Plans in Maine

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What is a Medicare Supplement insurance plan?

In Maine, as in the rest of the country, a Medicare Supplement insurance plan may help pay for certain expenses not covered by Original Medicare, Part A and Part B. These out-of-pocket costs might include deductibles, copayments, and coinsurance. In addition, some Medicare Supplement insurance plans might include coverage for emergency health-care services received outside the United States and Medicare Part B excess charges. Coverage will vary between plan types, as will the overall cost of the plan.

A Medicare Supplement insurance plan in Maine, also referred to as Medigap, is designed to be used with Original Medicare. However, Medigap coverage isn’t meant to be a substitute for Original Medicare, and you’ll need to stay enrolled in Medicare Part A and Part B to be eligible for Medicare Supplement coverage. Medigap plans aren’t meant to provide stand-alone health coverage; you’ll still get your Medicare hospital and medical coverage through Original Medicare, Part A and Part B.

Keep in mind that Medigap plans cannot be used with Medicare Advantage plans; Medigap plans can only be used to cover certain Original Medicare costs. In addition, Medicare Supplement insurance doesn’t cover services like routine vision and dental care, hearing aids, or wellness programs. That type of coverage may be available with a Medicare Advantage plan.

Medicare Supplement insurance plans do not include coverage for prescription drugs. If you’re enrolled in Original Medicare and want prescription drug benefits, you can get this coverage through a stand-alone Medicare Prescription Drug Plan.

Enrolling in a Medicare Supplement insurance plan in Maine

Many states do not allow enrollment in a Medigap plan until a beneficiary turns 65; however, Maine requires insurance companies that sell Medigap plans to offer at least one plan option to Medicare beneficiaries under 65.

In general, the best time to enroll in a Medicare Supplement insurance plan in Maine is during the Medigap Open Enrollment Period, which is the six-month period that automatically starts the month that you have Medicare Part B and are age 65 or older. During that time, Medicare beneficiaries may purchase any Medicare Supplement insurance plan with “guaranteed issue,” regardless of previous medical history or current health status.

Once their Medigap Open Enrollment Period is over, beneficiaries may still choose to enroll in a Medicare Supplement insurance plan in Maine, but they may not have guaranteed-issue rights. This means that insurance companies may charge higher premiums or even deny coverage to beneficiaries with pre-existing conditions*.

Choosing a Medicare Supplement insurance plan in Maine

Like most of the country, there are 10 Medigap plans currently available in Maine, with each plan type labeled with a letter (for example, Plan C). Each plan type has a different level of coverage, and benefits are standardized. This means that regardless of which insurance company you purchase from, your benefits will be the same for plans of the same letter. However, the cost of individual plans can vary depending on the insurance company offering the coverage and the location of the plan. It may be a good idea to start by deciding the level of coverage you want and the Medigap plan type that best fits your budget and needs. From there, you can compare Medicare Supplement insurance plans in your area to find the insurance company that offers that plan for the best price.

If you need help finding Medicare Supplement insurance that may work for you, contact eHealth today for personalized assistance with your Medicare needs.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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