Contact us at:

207-629-3861

207-522-1882 

 

Call anytime at any one of the numbers listed above, even outside of our regular business hours.

 

If you do call after hours, please leave your name with a brief message and we'll return your call as quickly as possible. 

 









We are an Independent Agency representing companies that market individual insurance products in Maine.  

 



Discover the advantages of using Maine Insurance Group Services.

 

We offer our clients:

  • Medicare Advatage Plans
  • Medicare Supplement (MEDIGAP) Plans
  • Health Insurance (Under Age 65)
  • Final Expense/Burial Insurance
  • Life Insurance
  • Dental Insurance



Medicare Advantage Plans (Part C)

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans (Part C) include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNP), and Medicare Medical Savings Account Plans (MSA). If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

How do Medicare Advantage Plans work?

Medicare Advantage Plans, sometimes called "Part C" or "MA or MAPD Plans," are offered by private companies that have been approved by Medicare. If you join a Medicare Advantage Plan, you are still a Medicare beneficiary. You will get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.

Medicare Advantage Plans cover all Medicare services

Medicare health plans provide Part A and Part B benefits to people with Medicare who enroll in these plans, which include Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).

Medicare Advantage Plans must follow Medicare's rules

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare.

However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.

Costs for Medicare health plans

Find out what factors contribute to how much you pay out-of-pocket when you have a Medicare health plan.

Drug coverage in Medicare Advantage Plans

You usually get prescription drug coverage through the plan. Generally the plans that do not offer drug coverage, you are allowed to join a Stand Alone Medicare Prescription Drug Plan (PDP).

You can not have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan. If you're in a Medicare Advantage Plan that includes drug coverage and you subsequently enroll in a Medicare Prescription Drug Plan, you'll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare.