Best Medicare Advantage Plans in Penobscot County, ME for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Penobscot County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Penobscot County plans, ranked
| # | 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 | 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★ |
| 4 | Humana Gold Plus H5619-001 (HMO)Humana · HMOAll 16 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 21 in 2026, 18 in 2027.
- $0-premium plans: 14 in 2026, 10 in 2027.
- Median in-network out-of-pocket maximum: $7,000 in 2026, $7,150 in 2027.
- 13,768 people here were in a general-audience Advantage plan in October 2026; 8,649 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Martin's Point Generations Advantage Alliance (HMO), AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO), Anthem I MaineHealth Advantage Veteran (HMO-POS), Wellcare Patriot Giveback Open (PPO).
Questions
How many Medicare Advantage plans are in Penobscot County for 2027?
13 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 21 plans and 14 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Penobscot County?
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 for the year in premiums and in-network costs.
Do any Penobscot County plans have a Part B giveback?
3 do. The largest is $60 a month off your Part B premium, from Humana Gold Plus Giveback H5619-066 (HMO).
How many Penobscot County plans have 4 or more stars?
8 of 13, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
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