Medicare Supplemental Insurance for Seniors in Maine

Medicare supplemental insurance plans, also called 'Medigap' plans, fill in many of the coverage gaps left by Original Medicare. When you enrol in a Medigap plan, you don't change or cancel your Medicare coverage. Medigap is a separate, additional form of coverage that is designed to complement your Original Medicare Plan, covering many out-of-pocket medical expenses like coinsurance and deductibles.

There are eleven Medigap policies available to senior residents in Maine. Humana of Maine is one high-quality Medigap insurance provider, offering seven of the eleven available Medicare supplemental insurance plans: Plans A, B, C, F, K, L, and high-deductible Plan F. (Because Medigap policies are sold through private insurance companies, insurers can choose to offer as few as one or as many as eleven Medigap policies.)

Medigap Plans A, B, C, and F offer low (or no) out-of-pocket costs in exchange for a moderate monthly premium. Plans K and L have lower premiums in exchange for higher annual out-of-pocket deductible limits. High-deductible Plan F consists of the same benefits of regular Plan F, but has the highest annual deductible limit ($1900 in 2008) in exchange for the lowest monthly premiums.

The best time to enrol in a Medigap plan with Humana of Maine is during your 'open enrollment period'. Your open enrollment period is the six month period directly after you enrol in Medicare Part B, and are a senior aged 65 or better. During this time, insurance companies are not permitted to use medical underwriting (which involved looking at your medical history) to determine either your eligibility for a Medigap plan, or your monthly premium. In addition, you are guaranteed acceptance onto the Medicare supplemental insurance plan of your choice during your open enrollment period.

To be eligible for a Medigap policy with Humana of Maine, you must be a senior resident of Maine aged 65 or better, and already enrolled in Medicare Parts A and B. You may also be eligible if you're under age 65 but have certain disabilities, or have end-stage renal disease. In both cases you must be already enrolled in Medicare Parts A and B.