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  1. 🏠
  2. Medicare Advantage Plans
  3. Maine
  4. Waldo County

2026 Medicare Advantage Plans in Waldo County, ME

Last update: September 1, 2026.

In Waldo County, ME, there are 22 Medicare Advantage plans available for 2026. Of these, 15 offer a $0 monthly premium, and about 33% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Waldo County, ME. Or explore all Medicare Options available in Waldo County, ME.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$14.68/mo
Plans with $0 Premium
15
Average MOOP Limit
$7,275 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 33% · 3 Stars: 67% · Below 3: 0%
Average Part D Deductible
$448.13
Total MA/MAPD Enrollment
4,600
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage from UHC ME-0002 (PPO) — 1,049 enrollees
2. Martin's Point Generations Advantage Essential (HMO-POS) — 1,042 enrollees
3. Martin's Point Generations Advantage Prime (HMO-POS) — 699 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
10
Average Monthly Premium
$8.40/mo
Total PPO Enrollment
1,692
$0 Premium PPO Plans
8
Average MOOP
$7,375
Top PPO by Enrollment
AARP Medicare Advantage from UHC ME-0002 (PPO) — 1,049 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Waldo County, Maine, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan 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
HumanaChoice Giveback H7617-046
☆☆☆☆☆
$0 $6,500 $395 H7617-046-0
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 total number of PPO plans offered in Waldo?

Waldo County has 10 PPO plans for 2026, with 1,692 enrolled.

How much do PPO plans cost in Waldo?

The typical PPO premium in Waldo is $8.40, and 8 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
5
Average Monthly Premium
$7.80/mo
Total HMO Enrollment
672
$0 Premium HMO Plans
3
Average MOOP
$6,650
Top HMO by Enrollment
Martin's Point Generations Advantage Alliance (HMO) — 298 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Waldo County, Maine, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan 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 average monthly premium for HMO plans?
HMO plans in Waldo cost $7.80 per month on average.
Which HMO plan is most popular in Waldo?
The most popular HMO plan in Waldo is Martin's Point Generations Advantage Alliance (HMO), with 298 enrollees.
How many HMO plans in Waldo do not include drug coverage?
There are 1 HMO plans in Waldo without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 6
  • Average Monthly Premium $33.33/mo
  • Total HMO-POS Enrollment 2,223
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $8,125
  • Top HMO-POS by Enrollment Martin's Point Generations Advantage Essential (HMO-POS) — 1,042 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Waldo County, Maine, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Martin's Point Generations Advantage Essential
☆☆☆☆☆
$0 $9,000 $300 H5591-018-0
Martin's Point Generations Advantage Prime
☆☆☆☆☆
$109 $7,000 $275 H5591-016-0
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 total number of HMO-POS plans in Waldo?

There are 6 HMO-POS plans in 2026, covering 2,223 enrollees.

How much do HMO-POS plans cost in Waldo?

The average HMO-POS premium in Waldo is $33.33 per month, with 3 plans offering $0 premiums.

What is the leading HMO-POS plan in Waldo?

Martin's Point Generations Advantage Essential (HMO-POS) is the top HMO-POS in Waldo, with 1,042 enrollees.

What is the number of HMO-POS plans without Part D coverage in Waldo?

0 HMO-POS plans in Waldo do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
13
$0 Premium PFFS Plans
1
Average MOOP
$4,300
Top PFFS by Enrollment
Wellcare Advantage Simple (PFFS) — 13 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Waldo County, Maine, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Wellcare Advantage Simple
☆☆☆☆☆
$0 $4,300 N/A H2816-040-0

What is the average monthly premium for PFFS plans?

PFFS plans in Waldo cost $0.00 per month on average.

Which PFFS plan is most popular in Waldo?

The most popular PFFS plan in Waldo is Wellcare Advantage Simple (PFFS), with 13 enrollees.

How many PFFS plans in Waldo do not include drug coverage?

There are 1 PFFS plans in Waldo without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Waldo County, ME for 2026.

CMS Star Ratings for Medicare Advantage Plans in Waldo County, ME (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 7 33%
3 Stars 14 67%
Below 3 Stars 0 0%
Not Rated 1 5%
Average Rating 3.62

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment 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.

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