Maine Medicare • 2027 nonrenewals and Medigap
Maine Medicare plans ending in 2027: the 90-day Medigap right and your next steps
Maine residents whose Medicare Advantage coverage is discontinued for 2027 have an important state protection: a 90-day opportunity through March 31, 2027, to select an eligible Medigap policy without medical underwriting. Medicare Advantage and Part D enrollment use a separate timetable.
The March 31 date is a Medigap protection
Reviewed November 8, 2026. The Maine Bureau of Insurance’s October 29 notice says affected members retain their current coverage through December 31, 2026. If their Medicare Advantage plan will not be offered in 2027, they may choose another Advantage plan or return to Original Medicare and consider a supplement.
For those affected by the discontinuation, the Bureau identifies March 31, 2027 as the end of Maine’s 90-day guaranteed issue opportunity. That date does not extend the nonrenewal Medicare Advantage or Part D enrollment period into March, and it does not pay for a gap in supplemental coverage.
Check the product and county—not just the brand
Maine’s notice has no complete termination list. These examples come from Martin’s Point’s 2026 and 2027 benefit documents. A carrier can remain while individual plans change.
| Product and county example | Verified change |
|---|---|
| Prime and Select in Hancock, Piscataquis, Somerset and Washington | These product families are absent from the carrier’s 2027 offerings in those counties. Other Martin’s Point products remain available. |
| Prime in Cumberland and York | The listed 2026 product is H5591-006-001; the 2027 product is H5591-021. Confirm your individual notice before assuming automatic enrollment. |
| Prime in Androscoggin, Kennebec and Sagadahoc | The 2026 product is H5591-006-002. The carrier’s 2027 H5591-022 notice explicitly describes automatic transition. |
The H5591-022 Annual Notice of Change says affected renewing members will be moved automatically if they do nothing. That is different from receiving a notice that coverage will end without a replacement. Do not assume every changed plan number grants a nonrenewal special enrollment period or the March 31 Medigap right.
These examples are not a complete statewide list. Confirm your status using your letter, exact plan ID and county.
What Maine’s guaranteed issue protection covers
Maine’s Medigap guidance identifies involuntary Medicare Advantage termination as a circumstance that may create guaranteed issue rights. Maine Insurance Rule 275, Section 12 requires a timely application and evidence of the qualifying loss of coverage. Keep the notice showing your name, plan and termination date.
For eligible members returning to Original Medicare, this right covers any Medigap policy the insurer offers to new applicants, subject to eligibility restrictions. Health status cannot be used to deny that eligible application, impose a health-based price increase or exclude a pre-existing condition.
“Any policy” does not mean an insurer must sell a closed product or a policy federal law bars you from buying. For example, Plans C and F are unavailable to people newly eligible for Medicare on or after January 1, 2020. Premiums and benefits also differ; guaranteed issue does not make coverage free.
Have a Maine plan letter you want help understanding? Request a Medicare consultation with Thompson Medicare Brokerage or call (855) 982-6525. Have your plan ID, county, doctor list and prescriptions ready. This is a request for a callback, not a confirmed appointment or an enrollment application.
Keep three deadlines separate
| Deadline or period | Purpose |
|---|---|
| October 15–December 7, 2026 | Annual enrollment for a Medicare Advantage or Part D plan effective January 1. |
| December 8, 2026–February 28, 2027 | Federal nonrenewal special enrollment period for affected Medicare Advantage and drug-plan choices. |
| December 31, 2026 | Enroll in replacement Advantage or Part D coverage by this date for a January 1 start. |
| March 31, 2027 | Maine’s stated Medigap guaranteed issue deadline for affected December 31 nonrenewals. |
Medicare’s special enrollment rules explain the federal period. It is separate from Maine’s insurance protection. If a nonrenewing Advantage plan ends and you have not enrolled in another, you return to Original Medicare; a Medigap policy and stand-alone Part D coverage do not automatically follow.
Apply early for a January 1 supplement start and confirm the effective date. The March deadline does not promise retroactive coverage.
Check providers and prescriptions before changing
A concrete local issue: Martin’s Point’s 2027 enrollment page says InterMed will no longer be in network for Generations Advantage beginning January 1, 2027. Check your physician, practice location and intended plan directly; a familiar carrier or plan name is not sufficient.
Review replacement plans’ hospital networks, prescriptions, pharmacy costs, referral rules and medical out-of-pocket limits. Include any out-of-state providers.
Medigap helps with Original Medicare cost-sharing. New Medigap policies do not include Part D; compare a separate prescription plan if you need drug coverage. Review the combined monthly premiums and remaining expenses before deciding.
Get your notice reviewed before you submit an application
Bring your notice, plan ID, Medicare eligibility dates, county, medications and providers. Confirm whether you face nonrenewal or automatic transition, and check the enrollment window and required Medigap evidence.
Maine’s Bureau of Insurance notice lists free SHIP counseling through Area Agencies on Aging at 1-877-353-3771. You can also contact 1-800-MEDICARE. If you believe an eligible Medigap application was wrongly denied, the Bureau’s consumer number is 1-800-300-5000.
Questions before you decide
Frequently Asked Questions
Does March 31, 2027 apply to my new Medicare Advantage plan?
Not as the nonrenewal deadline. The federal nonrenewal special enrollment period ends February 28. Maine’s March 31 date concerns the affected member’s Medigap guaranteed issue opportunity.
Can I apply for Medigap before my old plan ends?
Yes, a qualifying application can be arranged before termination with the supplement starting when Advantage coverage ends. Ask the insurer to confirm eligibility, documentation and the January 1 effective date.
Does Maine’s rule let every resident change to any Medigap plan?
No. This protection applies to a qualifying loss of coverage and a timely application. Other Maine rights have different requirements, and federal restrictions such as the eligibility rule for Plans C and F still apply.
Is Martin’s Point leaving Maine altogether?
No. Its 2027 documents list coverage throughout Maine through other product offerings. Your exact plan, county and notice determine whether you need to enroll, are automatically transitioned or should compare alternatives.
Primary references
Official Sources
- Maine Bureau of Insurance: October 29, 2026 notice
- Maine: buying or switching Medigap outside open enrollment
- Maine Insurance Rule 275, Section 12 (DOCX)
- Martin’s Point: 2026 and 2027 Summary of Benefits
- Martin’s Point: H5591-022 2027 transition notice
- Martin’s Point: 2027 enrollment and InterMed network notice
- Medicare: special enrollment periods
- Medicare: Choosing a Medigap Policy
Sources checked November 8, 2026. Confirm your exact plan, provider, location and effective date before acting. Network participation, plan terms and enrollment rules can change.
Independent Medicare guidance
Understand your Maine coverage options before you choose
Ask Thompson Medicare Brokerage to review your notice, coverage priorities and next steps. Request a callback or call (855) 982-6525. Enrollment and policy eligibility must be confirmed for your situation.
No-cost, no-obligation help is available by phone or video. I review the plans I represent in your area.
Use the callback form to request contact. Keep Medicare numbers, medication lists and medical details out of the general message; I can arrange an appropriate way to review them.
Thompson Medicare Brokerage is an independent, non-government insurance agency. This educational guide is not issued or endorsed by the hospitals, agencies or insurers discussed and does not imply a partnership. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in every area. Contact Medicare.gov, 1-800-MEDICARE or your State Health Insurance Assistance Program for information about all available options. Provider access, benefits, costs and enrollment eligibility depend on the exact plan and circumstances.