Cheapest Medigap Plan G and Plan N in Maine
Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in Maine’s official rate guide by its yearly premium at 65.
What these rates are. Yearly premiums from the Maine Bureau of Insurance chart, one per company and plan, with separate non-smoker and smoker rates where the company prices them. The chart doesn’t show rates by age or sex. Where a company has filed a new rate, the chart shows it with its effective date; we rank the current rate and note the new one. Plans F2 and G2 in the source are the high-deductible versions. Source: the Maine Bureau of Insurance, chart as posted October 22, 2026; the page shows no date. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.
Plan G, ranked
Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.
| # | Insurer | Yearly at 65 |
|---|---|---|
| 1 | United AmericanPre-existing condition exclusion period: 60 days | $2,999 |
| 2 | State FarmRate class: Non-smokerPre-existing condition exclusion period: nonePremium becomes $3,507 a year on February 1, 2027 | $3,299 |
| 3 | MedcoRate class: Non-smokerPre-existing condition exclusion period: 6 months | $3,322 |
| 4 | USAA LifeRate class: Non-smokerPre-existing condition exclusion period: none | $3,537 |
| 5 | United of OmahaRate class: Non-smokerPre-existing condition exclusion period: none | $3,623 |
| 6 | PlateauRate class: Non-smokerPre-existing condition exclusion period: none | $3,676 |
| 7 | Anthem Blue CrossRate class: Non-smokerPre-existing condition exclusion period: 6 monthsPremium becomes $4,379 a year on January 1, 2027 | $3,739 |
| 8 | Insurance Company of North AmericaRate class: Non-smokerPre-existing condition exclusion period: none | $3,790 |
| 9 | Washington NationalRate class: Non-smokerPre-existing condition exclusion period: none | $3,826 |
| 10 | Loyal AmericanRate class: Non-smokerPre-existing condition exclusion period: 6 months | $4,088 |
| 11 | HPHC Insurance CompanyPre-existing condition exclusion period: nonePremium becomes $4,044 a year on January 1, 2027 | $4,332 |
| 12 | First Health (an Aetna Co.)Rate class: Non-smokerPre-existing condition exclusion period: none | $4,361 |
| 13 | HumanaRate class: Non-smokerPre-existing condition exclusion period: 3 months | $5,554 |
Plan N, ranked
Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.
| # | Insurer | Yearly at 65 | vs. same insurer’s Plan G |
|---|---|---|---|
| 1 | MedcoRate class: Non-smokerPre-existing condition exclusion period: 6 months | $2,451 | $871 a year less= 43 office visits at the $20 copay |
| 2 | Washington NationalRate class: Non-smokerPre-existing condition exclusion period: none | $2,526 | $1,300 a year less= 65 office visits at the $20 copay |
| 3 | State FarmRate class: Non-smokerPre-existing condition exclusion period: nonePremium becomes $2,698 a year on February 1, 2027 | $2,538 | $761 a year less= 38 office visits at the $20 copay |
| 4 | Insurance Company of North AmericaRate class: Non-smokerPre-existing condition exclusion period: none | $2,644 | $1,146 a year less= 57 office visits at the $20 copay |
| 5 | USAA LifeRate class: Non-smokerPre-existing condition exclusion period: none | $2,646 | $891 a year less= 44 office visits at the $20 copay |
| 6 | Anthem Blue CrossRate class: Non-smokerPre-existing condition exclusion period: 6 monthsPremium becomes $3,014 a year on January 1, 2027 | $2,672 | $1,067 a year less= 53 office visits at the $20 copay |
| 7 | PlateauRate class: Non-smokerPre-existing condition exclusion period: none | $2,675 | $1,001 a year less= 50 office visits at the $20 copay |
| 8 | Loyal AmericanRate class: Non-smokerPre-existing condition exclusion period: 6 months | $2,810 | $1,278 a year less= 63 office visits at the $20 copay |
| 9 | HPHC Insurance CompanyPre-existing condition exclusion period: nonePremium becomes $3,060 a year on January 1, 2027 | $3,276 | $1,056 a year less= 52 office visits at the $20 copay |
| 10 | United AmericanPre-existing condition exclusion period: 60 days | $3,324 | $325 a year more |
| 11 | First Health (an Aetna Co.)Rate class: Non-smokerPre-existing condition exclusion period: none | $3,407 | $954 a year less= 47 office visits at the $20 copay |
| 12 | HumanaRate class: Non-smokerPre-existing condition exclusion period: 3 months | $3,494 | $2,060 a year less= 103 office visits at the $20 copay |
High-deductible Plan G
Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.
| # | Insurer | Yearly at 65 |
|---|---|---|
| 1 | United AmericanPre-existing condition exclusion period: 60 days | $746 |
| 2 | United of OmahaRate class: Non-smokerPre-existing condition exclusion period: none | $746 |
| 3 | HumanaRate class: Non-smokerPre-existing condition exclusion period: 3 months | $872 |
| 4 | MedcoRate class: Non-smokerPre-existing condition exclusion period: 6 months | $879 |
| 5 | Washington NationalRate class: Non-smokerPre-existing condition exclusion period: none | $955 |
| 6 | Insurance Company of North AmericaRate class: Non-smokerPre-existing condition exclusion period: none | $1,077 |
| 7 | PlateauRate class: Non-smokerPre-existing condition exclusion period: none | $1,264 |
Plans with membership or eligibility limits
These plans appear in the Maine guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.
| Insurer | Plan | Premiums as published | Why not ranked |
|---|---|---|---|
| United HealthCare (for AARP members)Rate class: Non-smokerPre-existing condition exclusion period: 3 months | G | age 65+: $3,810Yearly premium | AARP membership |
| United HealthCare (for AARP members)Rate class: Non-smokerPre-existing condition exclusion period: 3 months | N | age 65+: $2,874Yearly premium | AARP membership |
How we rank
We take each insurer’s premium for Plan G and Plan N at 65 straight from Maine’s official guide and multiply monthly premiums by 12 to get the yearly cost (${s.name}’s guide lists yearly premiums, which we use as printed). Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.
The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.
Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.
Questions
What is the cheapest Medigap Plan G in Maine?
In the rate guide from the Maine Bureau of Insurance (chart as posted October 22, 2026; the page shows no date), the lowest Plan G premium at 65 and older from an insurer open to all applicants is: United American, $2,999 a year. Your own quote depends on your age, ZIP code, health and the date you apply.
What is the cheapest Medigap Plan N in Maine?
Medco, $2,451 a year. Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.
How much do Plan G premiums vary between insurers in Maine?
Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $2,999 to $5,554. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.
Where do these Maine Medigap rates come from?
From the Maine Bureau of Insurance: “Medicare Supplement Annual Rates” (chart as posted October 22, 2026; the page shows no date). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Yearly premiums from the Maine Bureau of Insurance chart, one per company and plan, with separate non-smoker and smoker rates where the company prices them. The chart doesn’t show rates by age or sex. Where a company has filed a new rate, the chart shows it with its effective date; we rank the current rate and note the new one. Plans F2 and G2 in the source are the high-deductible versions.
Sources
Rates exactly as published by the state (chart as posted October 22, 2026; the page shows no date).
- Maine Bureau of Insurance, “Medicare Supplement Annual Rates” (chart as posted October 22, 2026; the page shows no date) — maine.gov.
- CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
- Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.
Educational information, not a recommendation to buy any policy. 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. Insurers don’t pay to be listed or ranked. · Advertiser disclosure
Keep going
- Plan G vs. Plan N: the break-even math →
- Maine Medigap rules and shopper’s guide →
- Medigap Open Enrollment and guaranteed-issue rights →
- Best Part D drug plans in Maine →
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