Best Medicare Advantage Plans in Maine for 2027
Every general-audience Medicare Advantage plan with drug coverage in Maine, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Maine plans, ranked
Showing all 26 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice Giveback H5216-478 (PPO)Humana · PPOAll 16 counties · drug deductible $700Part B giveback $48/mo · Dental · eyewear $100/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4★ |
| 2 | HumanaChoice Giveback H5216-138 (PPO)Humana · PPOAll 16 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 3 | HumanaChoice Giveback H7617-046 (PPO)Humana · PPO12 of 16 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4.5★ |
| 4 | Humana Gold Plus H5619-137 (HMO)Humana · HMO5 of 16 counties · drug deductible $700Dental up to $1,750/yr · eyewear $100/yr | $14 | $6,900 | $7,068 | 4★ |
| 5 | AARP Medicare Advantage from UHC ME-0002 (PPO)UnitedHealthcare · PPO4 of 16 counties · drug deductible $685eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 6 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS3 of 16 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 7 | Humana Gold Plus H5619-001 (HMO)Humana · HMOAll 16 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 8 | HumanaChoice H5216-175 (PPO)Humana · PPO8 of 16 counties · drug deductible $600Dental up to $1,250/yr · eyewear $200/yr | $0 | $7,150 | $7,150 | 4★ |
| 9 | Anthem I MaineHealth Advantage Plus (HMO)AMH Health · HMO10 of 16 counties · drug deductible $235eyewear $300/yr · hearing aids $2,000/yr · OTC items $120/yr | $33 | $6,800 | $7,196 | 3.5★ |
| 10 | Humana Gold Plus H5619-186 (HMO)Humana · HMO5 of 16 counties · drug deductible $700Dental up to $1,750/yr · eyewear $100/yr | $37 | $6,900 | $7,344 | 4★ |
| 11 | AARP Medicare Advantage from UHC ME-0001 (HMO-POS)UnitedHealthcare · HMO-POS4 of 16 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $48 | $7,150 | $7,726 | 4★ |
| 12 | AARP Medicare Advantage from UHC ME-0001 (HMO-POS)UnitedHealthcare · HMO-POS6 of 16 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $50 | $7,150 | $7,750 | 4★ |
| 13 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS3 of 16 counties · drug deductible $400Dental up to $1,000/yr · eyewear $200/yr · OTC items $180/yr | $60 | $7,150 | $7,870 | 4★ |
| 14 | Martin's Point Generations Advantage Prime (HMO)Martin's Point Generations Advantage · HMO3 of 16 counties · drug deductible $500Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $100/yr | $60 | $7,150 | $7,870 | 3.5★ |
| 15 | Martin's Point Generations Advantage Prime (HMO)Martin's Point Generations Advantage · HMO2 of 16 counties · drug deductible $500Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $100/yr | $60 | $7,150 | $7,870 | 3.5★ |
| 16 | AARP Medicare Advantage from UHC ME-0003 (PPO)UnitedHealthcare · PPO4 of 16 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $89 | $7,150 | $8,218 | 4.5★ |
| 17 | Martin's Point Generations Advantage Select (PPO)Martin's Point Generations Advantage · PPO5 of 16 counties · drug deductible $500Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $100/yr | $105 | $7,000 | $8,260 | 3★ |
| 18 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 16 counties · drug deductible $400Preventive dental · eyewear $100/yr | $105 | $7,150 | $8,410 | 4★ |
| 19 | Humana Gold Plus Giveback H5619-066 (HMO)Humana · HMO14 of 16 counties · drug deductible $700Part B giveback $60/mo · Dental · eyewear $300/yr | $0−$60 Part B giveback | $9,850 | $9,130 | 4★ |
| 20 | Martin's Point Generations Advantage Prime (HMO)Martin's Point Generations Advantage · HMO7 of 16 counties · drug deductible $500Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $100/yr | $85 | $8,150 | $9,170 | 3.5★ |
| 21 | Anthem I MaineHealth Advantage Choice (HMO-POS)AMH Health · HMO-POS2 of 16 counties · drug deductible $250eyewear $150/yr · hearing aids $2,000/yr · OTC items $200/yr | $28 | $8,900 | $9,236 | 3.5★ |
| 22 | Martin's Point Generations Advantage Essential (HMO)Martin's Point Generations Advantage · HMO5 of 16 counties · drug deductible $300eyewear $100/yr · hearing aids $500/yr per ear | $15 | $9,500 | $9,680 | 3.5★ |
| 23 | Martin's Point Generations Advantage Essential (HMO)Martin's Point Generations Advantage · HMO7 of 16 counties · drug deductible $175eyewear $100/yr · hearing aids $500/yr per ear | $40 | $9,500 | $9,980 | 3.5★ |
| 24 | Martin's Point Generations Advantage Essential (HMO)Martin's Point Generations Advantage · HMO4 of 16 counties · drug deductible $600hearing aids $500/yr per ear | $105 | $9,000 | $10,260 | 3.5★ |
| 25 | Martin's Point Generations Advantage Select (PPO)Martin's Point Generations Advantage · PPO7 of 16 counties · drug deductible $600Dental up to $400/yr · eyewear $100/yr · hearing aids $500/yr per ear | $110 | $9,000 | $10,320 | 3★ |
| 26 | Wellcare Low Premium Open (PPO)Wellcare · PPO15 of 16 counties · drug deductible $700Dental · hearing aids $500/yr per ear | $44.50 | $9,850 | $10,384 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 6 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 16 countiesPart B giveback $123/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$123 Part B giveback | $4,950 | $3,474 | 4★ |
| 2 | Martin's Point Generations Advantage Alliance (HMO)Martin's Point Generations Advantage · HMOAll 16 countiesPart B giveback $50/mo · Dental up to $2,500/yr · eyewear $200/yr · hearing aids $700/yr per ear · OTC items $400/yr | $0−$50 Part B giveback | $5,000 | $4,400 | 3.5★ |
| 3 | AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO)UnitedHealthcare · PPOAll 16 countiesPart B giveback $140/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$140 Part B giveback | $7,150 | $5,470 | 4.5★ |
| 4 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO8 of 16 countiesPart B giveback $90/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $360/yr | $0−$90 Part B giveback | $7,150 | $6,070 | 4★ |
| 5 | Anthem I MaineHealth Advantage Veteran (HMO-POS)AMH Health · HMO-POS6 of 16 countiesPart B giveback $110/mo · Dental up to $1,000/yr · eyewear $200/yr · hearing aids $1,000/yr · OTC items $140/yr | $0−$110 Part B giveback | $9,850 | $8,530 | 3.5★ |
| 6 | Wellcare Patriot Giveback Open (PPO)Wellcare · PPO15 of 16 countiesPart B giveback $75/mo · Dental up to $1,000/yr · hearing aids $500/yr per ear | $0−$75 Part B giveback | $9,850 | $8,950 | 3★ |
County pages
Androscoggin County · Cumberland County · Kennebec County · Penobscot County · York County
Questions
How many Medicare Advantage plans are available in Maine for 2027?
CMS lists 26 general-audience Medicare Advantage plans with drug coverage in Maine for 2027, from 6 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Maine?
Yes. 8 of the 26 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Maine Medicare Advantage plan has the lowest worst-case cost?
HumanaChoice Giveback H5216-478 (PPO) from Humana: $0 a month with an in-network out-of-pocket maximum of $7,150, so at most about $6,574 in premiums and in-network costs for the year. It is offered in 16 of 16 counties.
Which Maine Medicare Advantage plans have 4 or more stars?
15 of the 26 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Maine Medicare Advantage plans have a Part B giveback?
4 of the 26 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $60 a month, from Humana Gold Plus Giveback H5619-066 (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Maine?
The median in-network out-of-pocket maximum among these plans is $7,150. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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