Medicare Supplement Plan G in Maine: 2026 Rates and Guide
This guide covers Medicare Supplement Plan G in Maine: average 2026 premiums by age, Maine's rating rules, top insurers, and how to enroll with the best protection available in your state.
Plan G Coverage Overview
Medicare Supplement Plan G is the most comprehensive Medigap plan available to new Medicare beneficiaries. It covers all Original Medicare cost-sharing except the annual Part B deductible ($283 in 2026). After you pay that deductible once per year, Plan G pays 100% of all Medicare-approved costs for the remainder of the year.
Plan G benefits are federally standardized; every insurer selling Plan G in Maine must provide identical coverage. The only variable between insurers is the monthly premium and their premium increase history over time.
What Plan G Covers
- Part A coinsurance & hospital costs (up to 365 days after Medicare): ✓ Fully covered
- Part A deductible ($1,736 in 2026): ✓ Fully covered
- Part A hospice care coinsurance or copayment: ✓ Fully covered
- Part B coinsurance or copayment (20% of outpatient costs): ✓ Fully covered
- Part B deductible ($283 in 2026): ✗ Not covered (you pay this cost) (The only cost you pay: $283 in 2026)
- Part B excess charges (above Medicare-approved amount): ✓ Fully covered
- Skilled nursing facility care coinsurance: ✓ Fully covered
- Foreign travel emergency coverage (up to plan limits): ✓ Fully covered (Up to plan limits after $250 deductible; 80% covered up to $50,000 lifetime)
Source: CMS standardized Medigap benefit chart. CMS Publication 02110.
Plan G Premiums in Maine (2026)
Premiums for Plan G in Maine vary by insurer, age, gender, and tobacco use. The estimates below are for a non-smoking female. Men typically pay 5–10% more. Tobacco users may pay significantly more. These are representative starting ranges; always get current quotes directly from insurers or through Medicare.gov.
| Age | Estimated Monthly Premium | Annual Estimate |
|---|---|---|
| Age 65 (new enrollee) | ~$185/mo | ~$2220/yr |
| Age 70 | ~$231/mo | ~$2775/yr |
| Age 75 | ~$287/mo | ~$3441/yr |
| Age 80 | ~$352/mo | ~$4218/yr |
* Age 70–80 estimates use typical attained-age premium progression factors. Note: Maine uses community rating; your premium is the same regardless of age at enrollment. The table above shows approximate market averages and is less variable than attained-age states. Verify current rates at Medicare.gov.
How Maine Rates Medigap Premiums: Community Rating
Maine requires insurers to use community rating for Medigap policies. Under community rating, everyone enrolled in the same plan pays the same premium; your age does not determine your rate. This is a significant advantage for older Medicare beneficiaries.
While premiums in community-rated states like Maine may start slightly higher at age 65 compared to attained-age states, they rise much more slowly over time because you won't face automatic age-based increases. Beneficiaries who enroll at age 65 and hold their plan for many years often find community rating saves them money in the long run.
Maine Plan G Costs in Context
At an estimated $185/month for a 65-year-old, Plan G in Maine ranks #42 of 51 among states and DC from lowest to highest cost, sitting 37% above the national median of $135/month in our dataset. Maine is home to about 390,000 Medicare beneficiaries (#39 by enrollment), so the number of active insurers can be more limited than in the largest states.
Maine uses community rating, so everyone in the state pays the same premium for the same plan regardless of age. The figure shown here should stay comparable whether you enroll at 65 or later, apart from general premium trends.
Plan G vs Plan N break-even in Maine
Plan N costs about $35 less per month than Plan G here, or roughly $420 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 21 office visits or 8 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.
| Care use in a year | Plan G total | Plan N total (max copays) | Lower cost |
|---|---|---|---|
| Light use: 2 office visits, no ER | $2,503 | $2,123 | Plan N |
| Typical use: 6 office visits, no ER | $2,503 | $2,203 | Plan N |
| Regular use: 12 office visits, 1 ER visit | $2,503 | $2,373 | Plan N |
| Heavy use: 20 office visits, 2 ER visits | $2,503 | $2,583 | Plan G |
Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.
How Maine compares with nearby states
Other Northeast states with similar Plan G pricing, for comparison:
| State | Plan G (age 65) | Plan N (age 65) | Rating method |
|---|---|---|---|
| Maine | ~$185/mo | ~$150/mo | community |
| Delaware | ~$180/mo | ~$145/mo | attained age |
| New Hampshire | ~$178/mo | ~$143/mo | attained age |
| Rhode Island | ~$192/mo | ~$154/mo | attained age |
| Vermont | ~$195/mo | ~$156/mo | community |
Top Plan G Insurers in Maine
The following insurance companies are among the leading sellers of Medicare Supplement Plan G in Maine: Anthem BCBS Maine, Harvard Pilgrim, UnitedHealthcare.
Because Plan G benefits are standardized, there's no meaningful difference in what these companies cover. Your decision should be based on:
- Current premium: get quotes from all of them
- Premium increase history: ask for data from the past 3–5 years
- Financial strength rating: look for A.M. Best ratings of A- or better
- Customer service reviews: complaints per 1,000 policyholders (available from NAIC)
How to Enroll in Plan G in Maine
- Confirm you're eligible: You must be enrolled in Medicare Parts A and B. Most people first become eligible at age 65.
- Enroll during your Open Enrollment Period: Your 6-month Medigap OEP starts the month you're both age 65 and enrolled in Part B. During this window, insurers in Maine cannot deny you Plan G or charge more based on health conditions.
- Compare quotes: Use Medicare.gov's Plan Finder or contact a licensed insurance broker who works with multiple companies in Maine.
- Review premium increase history: Ask each insurer how much they've raised Plan G rates in Maine over the past 3–5 years before enrolling.
- Pair with a Part D drug plan: Plan G does not cover prescription drugs. You'll need a separate Medicare Part D plan.
Maine Bureau of Insurance
The Maine Bureau of Insurance regulates insurance companies operating in Maine, handles consumer complaints, and can provide a list of licensed insurers selling Plan G in your area.
- Website: https://www.maine.gov/pfr/insurance/
- Phone: 1-800-300-5000
If you have a complaint about a Medigap insurer operating in Maine, the Maine Bureau of Insurance is your primary resource for resolution.
Plan G vs Plan N in Maine
If you're comparing Plan G and Plan N in Maine, here are the key numbers:
| Plan | Avg. Premium (Age 65) | Doctor Visit Copay | ER Copay | Excess Charges |
|---|---|---|---|---|
| Plan G | ~$185/mo | $0 | $0 | ✓ Covered |
| Plan N | ~$150/mo | Up to $20 | Up to $50 | ✗ Not covered |
The premium difference in Maine is approximately $35/month at age 65. If you rarely visit the doctor and primarily see Medicare-assignment providers, Plan N may be the better value. If you have frequent medical visits or want complete cost predictability, Plan G is worth the extra premium.
Full Plan G vs Plan N comparison →
Frequently Asked Questions
How much does Medicare Supplement Plan G cost in Maine?
Average Plan G premiums in Maine for a 65-year-old non-smoking female range from approximately $155 to $290 per month in 2026, with a typical starting rate around $185/month. Premiums vary by insurer, your exact age, gender, and tobacco use. Always get multiple quotes before enrolling.
What is community rating in Maine?
Community rating means all policyholders pay the same premium regardless of age. In Maine, this benefits older Medicare beneficiaries who would face higher premiums under attained-age systems. Your premium may still increase over time due to inflation and medical costs, but it won't increase simply because you're getting older.
What are my Plan G enrollment rights in Maine?
In Maine, Maine uses community rating and has guaranteed-issue protections beyond the federal minimum. The most important enrollment window is your 6-month Medigap Open Enrollment Period, which begins the month you are both age 65 and enrolled in Medicare Part B. During this window, insurers cannot deny you coverage or charge more due to pre-existing conditions.
Who are the top Plan G insurers in Maine?
Major insurers offering Plan G in Maine include Anthem BCBS Maine, Harvard Pilgrim, UnitedHealthcare. Because Plan G benefits are federally standardized, the main differences between insurers are the monthly premium and their premium increase history. Always compare quotes from at least 3–4 companies.
Does Maine have any special Medigap protections?
Maine uses community rating, which is a significant consumer protection; your premium does not increase with age. Maine uses community rating and has guaranteed-issue protections beyond the federal minimum.
This site provides general information about Medicare Supplement insurance and medical alert devices. It is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency. This is not medical or insurance advice. Always consult a licensed insurance professional for personalized guidance.
Medicare rules, premiums, and plan availability change annually. Always verify current information with Medicare.gov, your State Insurance Department, or a licensed insurance advisor. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.
Sources
- Centers for Medicare & Medicaid Services. Medicare Supplement Insurance (Medigap). medicare.gov. Retrieved September 2026.
- CMS. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Publication 02110. cms.gov. Retrieved September 2026.
- Maine Bureau of Insurance. https://www.maine.gov/pfr/insurance/. Retrieved September 2026.