Maine · 2026 plan year
Medicare Advantage HMO plans in Maine
There are 31 Medicare Advantage HMO plans in Maine from 6 carriers, averaging 3.68 out of 5 stars across the 31 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
31
HMO plans
6
Carriers
16
Counties covered
3.7
Average stars
$7,822
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Maine HMO plans rank 32nd of 49 on star rating.
Across the 31 rated plans here the average overall rating is 3.68 stars, 32nd highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated HMO plans in Maine
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Martin's Point Generations Advantage Alliance (HMO)Martin's Point Generations Advantage | 4★ | $5,000 | $0 |
| UHC Complete Care ME-6 (HMO-POS C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP | 4★ | $5,900 | $0 |
| UHC Northern Light Health ME-0001 (HMO-POS)UnitedHealthcare | 4★ | $5,900 | $0 |
| Aetna Medicare Enhanced (HMO-POS)Aetna Medicare | 4★ | $6,350 | $0 |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare | 4★ | $6,350 | $11.60 |
Showing 5 of 31. See all MaineMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 6 | 3.0 | 3 |
| Martin's Point Generations AdvantageMartin's Point Health Care, Inc. | 6 | 4.0 | — |
| UnitedHealthcareUnitedHealth Group, Inc. | 6 | 4.0 | 1 |
| Aetna MedicareCVS Health Corporation | 5 | 4.0 | 2 |
| AMH HealthElevance Health, Inc. | 4 | 3.5 | 1 |
| WellcareCentene Corporation | 4 | 3.5 | 2 |
Other plan types in Maine
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Maine Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Maine?
Of the Maine HMO plans with a published premium, 71% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,822 across these plans.
What are the star ratings for Maine HMO plans?
The 31 rated HMO plans in Maine average 3.68 out of 5 stars, with 17 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Maine?
There are 31 HMO plans from 6 carriers, sold across 16 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 9 of them are Special Needs Plans with extra eligibility rules (see below).
Do Maine HMO plans include prescription drug coverage?
31 of the 31 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Maine?
9 of the 31 HMO plans in Maine are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
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