Maine · 2027 plan year

Medicare Advantage HMO plans in Maine

There are 30 Medicare Advantage HMO plans in Maine from 6 carriers, averaging 3.72 out of 5 stars across the 30 plans CMS has rated. 50% of those with a published premium charge $0 a month (15 of 30); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.

30
HMO plans
6
Carriers
16
Counties covered
3.7
Average stars
$7,650
Median out-of-pocket max

Across the 30 HMO plans in Maine that publish one, the in-network out-of-pocket maximum has a median of $7,650 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $8,260, which sits above the median — the spread is not symmetric, so the median is the better guide.

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 26th of 49 on star rating.

Across the 30 rated plans here the average overall rating is 3.72 stars, 26th 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

Showing 5 of 30. See all MaineMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
HumanaHumana Inc.74.03
Martin's Point Generations AdvantageMartin's Point Health Care, Inc.73.5—
AMH HealthElevance Health, Inc.63.53
Aetna MedicareCVS Health Corporation54.02
UnitedHealthcareUnitedHealth Group, Inc.34.01
WellcareCentene Corporation23.02
Other plan types in Maine

How HMO compares

All MaineMedicare Advantage plans →

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, 50% charge $0 a month. The monthly premium is what you pay the plan for its medical (Part C) and drug (Part D) coverage together. 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, with a median of $7,650 across these plans.
What are the star ratings for Maine HMO plans?
The 30 rated HMO plans in Maine average 3.72 out of 5 stars, with 15 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 30 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. 11 of them are Special Needs Plans with extra eligibility rules (see below).
Do Maine HMO plans include prescription drug coverage?
28 of the 30 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage, and you pay one monthly premium to the plan — but that premium has a medical (Part C) part and a drug (Part D) part, and the drug part is often what makes it more than $0. Each plan's page shows 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?
11 of the 30 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.

Simplivera models your actual annual costs across Maine Medicare Advantage plans.

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