Updated July 2, 2026
Maine operates under its own Medigap rules, which go further than federal law in protecting buyers. Plan G here typically runs around $157 per month.
Maine's guaranteed-issue rules
Most states only guarantee your right to buy Medigap without underwriting during the initial Open Enrollment Period. Maine is different. Under rules set by the Maine Bureau of Insurance, insurers must accept all applicants year-round and cannot vary premiums by age or health status. That means a 75-year-old with multiple conditions has the same access to Plan G as a healthy 65-year-old: and pays a community rate, not an attained-age surcharge. This community-rated system is why Maine's premiums are higher than they might otherwise be for younger buyers: everyone in the pool pays a rate that reflects the full group, not just their own age. The Medigap cost calculator gives estimates, and the plan comparison covers all the letter plans.
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Things to Know About Medigap Enrollment in Maine
Because Maine requires guaranteed issue year-round, the pressure to get your timing right is lower here than in most states. You can apply for a Medigap plan outside the standard 6-month federal window and insurers cannot decline you. Premiums still vary between carriers: community-rated does not mean every company charges the same amount, only that each company cannot vary its own rate by individual age or health. The open enrollment calculator can help you track your Part B start date regardless. And if you are comparing a Medigap plan against a Medicare Advantage plan, the Medigap vs Advantage calculator runs both scenarios.
FAQs
How much does Medigap Plan G cost in Maine?
Plan G premiums in Maine run around $157 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Can I switch Medigap plans later if I start in Maine?
You can apply to switch carriers or plan letters at any time, but outside a guaranteed-issue event most insurers in Maine will medically underwrite that new application.