Maine Medigap Plans, available in our northernmost state, offer a unique advantage compared to other states in the USA. Maine has enacted Med Supp rules not available in most states that allow for easy switching and guaranteed enrollment. If you are considering enrolling in a gap plan, you should read this article first.

Maine Medigap Plans help to cover some of the healthcare costs that are not covered by Medicare.

Maine Medigap Plans: A Basic Guide

There are 10 standardized Medigap plans available in Maine, labeled with letters A, B, C, D, F, G, K, L, M, and N. Each plan offers distinct benefits and covers different cost-sharing expenses. Plan F and C are no longer available to those who became Medicare eligible after Jan 1, 2020.

In ME, Medigap plans are sold by private insurance companies, not the government directly. The cost and availability of Medigap plans may vary depending on your insurance company. Get a comparison Medsupp quote here to explore your options in Maine!

Maine Free Look Medigap period

All Medicare Supplement policies (MedSup) sold in Maine have a 30-day Free Look period. This means that if you are not happy with the policy you bought for any reason, you can return it within 30 days and receive all your money back.

Free Medigap Switching in ME

If you currently have a Medigap plan, you have the flexibility to switch at any time in Maine and be guaranteed approval for a new Medigap plan. This is available in Maine due to a state law that allows you to switch regardless of your health condition. If you are thinking about changing your policy, read this Maine switching article and follow the step by step.

Medigap Free Switching Restrictions: The new Medigap plan you choose in Maine must have the same or fewer benefits than the one you are leaving to qualify for switching without health review. For example, if you currently have Plan F, you can switch to Plan G since it offers fewer benefits. On the other hand, you cannot switch from Plan G to Plan F since Plan F provides more benefits than Plan G. Also to qualify for switching without medical review, you must never have had a gap in coverage that supplements Medicare of more than 90 days. (Source)

Guaranteed Medigap Plan A in Maine

With Maine’s guaranteed issued state law, you can be approved for Medsupp plan A if you apply outside your initial open enrollment period regardless of your health condition. Each insurance provider must offer a one-month guaranteed issue period each year for Plan A. (Source)

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Comparing Maine Medigap Plans

Plans available if you qualified for Medicare after January 1, 2020:

Benefits A B D G** K L M N
Medicare Part A Deductible ($1,632) 100% 100% 100% 50% 75% 50% 100%
Part B Deductible ($240)
Medicare Part A Hospital Coinsurance and 365 additional hospital days 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B Coinsurance 100% 100% 100% 100% 50% 75% 100% 100%
First 3 Pints of Blood for a Transfusion 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Hospice Coinsurance or Copay 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Coinsurance 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges 100%
Foreign Emergency Healthcare 80% 80% 80% 80%
Max Out-of-Pocket $7,060 $3,530

**Medigap Plan G High Deductible is identical coverage with a high deductible of $2,800.

If you were Part B eligible before January 1, 2020, you may be able to enroll in Medigap Plan F.

Maine’s Most Popular Plan

According to the latest data released by America’s Health Insurance Plans (AHIP), over 60,000 Maine residents have purchased a Medigap policy.

As you may be aware, there have been changes in Medigap plans since 2020, which means that the plans worth considering have also changed. Plan F used to be the most popular option in Maine. Although it still has the largest number of clients, it does not receive more beneficiaries. Therefore, the option most chosen by the new insured is Plan G, for which around 13,000 people have selected.

Medigap Under 65

Disabled Medicare beneficiaries who enroll in Medicare Part B before turning 65 have an initial Medicare Supplement open enrollment period at that time. Additionally, they get an extra six-month Medicare Supplement open enrollment period when they reach age 65. Learn more here.

Next Step

Take action now and obtain a Medigap quote for Maine by contacting our licensed agents at 800-930-7956. It’s as simple as making a call!

Keep in mind that our dedicated team at is committed to providing our services free of charge, so you have nothing to lose! Feel free to drop a comment/question in the section below.