2026 Medicare Advantage Plans in Penobscot County, ME
Last update: . Enrollment data updated: May 2, 2026
For 2026, Penobscot County, ME includes 21 Medicare Advantage plans. Enrollment across these plans totals approximately 13,646, with 14 $0 premium options and 30% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Penobscot County, ME are summarized separately. Visit Medicare Options in Penobscot County, ME to see more options.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 9
- Average Monthly Premium
- $9.33/mo
- Total PPO Enrollment
- 5,243
- $0 Premium PPO Plans
- 7
- Average MOOP
- $7,472
- Top PPO by Enrollment
- AARP Medicare Advantage from UHC ME-0002 (PPO) — 2,594 enrollees
- PPO Plans Without Drug Coverage
- 4
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC ME-0002 | $0 | $9,250 | $600 | H2001-083-2 | |
| AARP Medicare Advantage Patriot No Rx ME-MA01 | $0 | $5,900 | N/A | H2001-021-0 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | H5216-059-0 | |
| HumanaChoice Giveback H5216-138 | $0 | $6,500 | $395 | H5216-138-0 | |
| HumanaChoice H5216-175 | $0 | $6,700 | $500 | H5216-175-0 | |
| Martin's Point Generations Advantage Select | $49 | $9,000 | $450 | H1365-005-0 | |
| Wellcare Low Premium Open | $35 | $8,500 | $615 | H2775-109-0 | |
| Wellcare Patriot Giveback Open | $0 | $9,250 | N/A | H2775-116-0 | |
| Anthem I MaineHealth Advantage Veteran | $0 | $7,200 | N/A | H9219-004-0 |
- What is the average monthly premium for PPO plans in Penobscot?
- PPO plans in Penobscot cost $9.33 per month on average.
- Which PPO plan has the highest enrollment in Penobscot?
- The most popular PPO plan in Penobscot is AARP Medicare Advantage from UHC ME-0002 (PPO), with 2,594 enrollees.
- How many PPO plans in Penobscot do not include prescription drug coverage?
- 4 PPO plans in Penobscot do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Martin's Point Generations Advantage Alliance | $0 | $5,000 | N/A | H5591-003-0 | |
| Anthem I MaineHealth Advantage Plus | $25 | $6,800 | $235 | H9065-008-0 | |
| Humana Gold Plus Giveback H5619-066 | $0 | $8,250 | $355 | H5619-066-0 | |
| Humana Gold Plus H5619-001 | $0 | $6,800 | $615 | H5619-001-0 | |
| Humana Gold Plus H5619-137 | $14 | $6,400 | $615 | H5619-137-0 |
What is the total number of HMO plans offered in Penobscot?
There are 5 HMO plans in 2026, covering 1,502 enrollees.
How much do HMO plans cost in Penobscot?
The average HMO premium in Penobscot is $7.80 per month, with 3 plans offering $0 premiums.
What is the top HMO by enrollment in Penobscot?
Martin's Point Generations Advantage Alliance (HMO) is the top HMO in Penobscot, with 882 enrollees.
What is the number of HMO plans without Part D coverage in Penobscot?
1 HMO plans in Penobscot do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 6
- Average Monthly Premium
- $33.33/mo
- Total HMO-POS Enrollment
- 6,875
- $0 Premium HMO-POS Plans
- 3
- Average MOOP
- $8,125
- Top HMO-POS by Enrollment
- Martin's Point Generations Advantage Essential (HMO-POS) — 3,341 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Martin's Point Generations Advantage Essential | $0 | $9,000 | $300 | H5591-018-0 | |
| Martin's Point Generations Advantage Prime | $109 | $7,000 | $275 | H5591-017-0 | |
| UHC Northern Light Health ME-0001 | $36 | $6,700 | $440 | H5253-162-2 | |
| Anthem I MaineHealth Advantage Choice | $55 | $7,550 | $150 | H9065-003-0 | |
| Wellcare Giveback | $0 | $9,250 | $615 | H9364-004-0 | |
| Wellcare Simple | $0 | $9,250 | $615 | H9364-001-0 |
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Penobscot cost $33.33 per month on average.
Which HMO-POS plan is most popular in Penobscot?
The most popular HMO-POS plan in Penobscot is Martin's Point Generations Advantage Essential (HMO-POS), with 3,341 enrollees.
How many HMO-POS plans in Penobscot do not include drug coverage?
There are 0 HMO-POS plans in Penobscot without prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 1
- Average Monthly Premium $0.00/mo
- Total PFFS Enrollment 26
- $0 Premium PFFS Plans 1
- Average MOOP $4,300
- Top PFFS by Enrollment Wellcare Advantage Simple (PFFS) — 26 enrollees
- PFFS Plans Without Drug Coverage 1
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Wellcare Advantage Simple | $0 | $4,300 | N/A | H2816-040-0 |
What is the top PFFS plan in Penobscot?
Wellcare Advantage Simple (PFFS) is the top PFFS in Penobscot, with 26 enrollees.
What is the number of PFFS plans without Part D coverage in Penobscot?
1 PFFS plans in Penobscot do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Penobscot County, ME (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 6 | 30% |
| 3 Stars | 14 | 70% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 1 | 5% |
| Average Rating | 3.58 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.