$0 Premium Medicare Advantage Plans in Maine
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Maine for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 8 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 | 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★ |
| 5 | 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★ |
| 6 | Humana Gold Plus H5619-001 (HMO)Humana · HMOAll 16 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 7 | 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★ |
| 8 | 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★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Maine Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Maine for 2027?
8 of the 26 general-audience Medicare Advantage plans with drug coverage in Maine have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Maine's $0 plans, the lowest in-network maximum is $7,150 and the median is $7,150.
Which $0 premium plan in Maine has the lowest worst-case cost?
HumanaChoice Giveback H5216-478 (PPO) from Humana, with an in-network out-of-pocket maximum of $7,150 and a Part B giveback of $48 a month. It is sold in 16 of 16 counties.
Do any $0 premium plans in Maine also have a Part B giveback?
Yes, 4 of them. See the Maine Part B giveback plans.
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
Keep going
- All Maine Medicare Advantage plans, ranked →
- Part B giveback plans in Maine →
- Where $0 plans are disappearing in 2027 →
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