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Medigap Plans
 » 
New Hampshire

Best New Hampshire Medigap Medicare Supplement Plans

Table of Contents

What Are Medigap Plans? Medigap Plans in New Hampshire Do You Need Medigap in New Hampshire? What Do Medigap Plans Cover? What Are the Most Popular Plans? How Much Do Policies Cost? How Do You Choose a Plan? Who is Eligible? When and How Do You Enroll? How Do I Get Prescription Drugs? What Are the Alternatives? What if I have Medicaid? Next Steps

What Are Medicare Supplements?

A Medicare Supplement plan can help you pay some out-of-pocket costs in Medicare Part A and Part B (Original Medicare). In this article, you'll learn what Medigap plans in New Hampshire cost, which plans are available, when and how to enroll (without underwriting), what gaps they cover, and how you can get premiums and discounts on all Medicare plans where you live.

What You Need to Know

  1. Medicare supplemental insurance policies in New Hampshire are offered by private insurance companies and are designed to help cover some of the out-of-pocket costs not covered by Original Medicare.
  2. Supplemental insurance policies are standardized, meaning each plan letter offers the same basic benefits regardless of the insurer.
  3. Medicare supplemental insurance is available to New Hampshire residents at age 65 and over who have enrolled in both Medicare Part A and Part B.
  4. All supplemental plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B copayments and/or coinsurance, and the first three pints of blood.
  5. All but two supplements cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
  6. Supplemental insurance policies do not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
  7. Policies are available in 10 different plan options, labeled A through N.
  8. Medicare SELECT plans require enrollees to use a local New Hampshire provider network.
  9. Some insurers offer a household discount when both you and your spouse have a policy.

Get a Free Medicare Supplement Rate Comparison

Medigap Plans in New Hampshire

Insurance Company Plan F Plan G Plan N Rating
AARP $183.25 $142.63 $130.05
☆☆☆☆☆
American Retirement Life $187.61 $135.15 $117.56
☆☆☆☆☆
Americo Life $176.68 $150.17 $123.67
☆☆☆☆☆
Anthem Blue Cross and Blue Shield New Hampshire $173.54 $134.05 $121.68
☆☆☆☆☆
Central States $205.58 $152.58 $127.75
☆☆☆☆☆
Colonial Penn $204.42 $186.28 $122.32
☆☆☆☆☆
Continental Life $190.34 $149.19 $123.12
☆☆☆☆☆
Gerber Life $296.75 $208.15 N/A
☆☆☆☆☆
Globe Life $179.00 N/A $126.00
☆☆☆☆☆
GPM Health and Life $243.09 $190.65 $169.24
☆☆☆☆☆
Harvard Pilgrim $208.00 N/A $146.00
☆☆☆☆☆
Humana $227.64 N/A $176.29
☆☆☆☆☆
Mutual of Omaha $188.86 $157.27 $125.32
☆☆☆☆☆
Renaissance Life $185.48 $153.00 $125.20
☆☆☆☆☆
State Farm $214.45 N/A N/A
☆☆☆☆☆
Transamerica $177.02 $131.54 $111.95
☆☆☆☆☆
United American $238.00 $224.00 $178.00
☆☆☆☆☆
USAA Life $212.50 N/A $146.71
☆☆☆☆☆

Do You Need Supplemental Insurance in New Hampshire?

The way Original Medicare (Part A and Part B) is designed, it pays about 80% of medically necessary healthcare costs. That leaves the remaining 20% for the Medicare beneficiary to pay through deductibles, coinsurance, and copays. Without additional coverage, these out-of-pocket costs can add up quickly.

Each time you use a Medicare-approved healthcare service, you pay a deductible, co-payment, or coinsurance. Due to the sky-high healthcare costs in New Hampshire, if you are hospitalized, these costs are considerable.

To illustrate, Medicare Part A's benefit period deductible is $1,600. You pay this each time you are hospitalized unless you're readmitted within 60 days for the same issue. Plus, you're responsible for 20% of all Part B medical costs while you're an inpatient.

This is where New Hampshire Medicare Supplement plan coverage comes in. Supplements, also called Medigap plans, pay many of the out-of-pocket costs in Original Medicare. So, if you're wondering, "What is Medigap?", it's gap coverage.

More Info: 7 Reasons You Need Supplemental Insurance with Medicare

Is a Medicare Supplement Right for You?

Yes, if you:

  1. Expect the need for frequent healthcare services now and/or in the future and want to limit your deductibles and co-pays.
  2. Can afford the monthly premiums of Medicare Supplement insurance and don't qualify for Medicaid.
  3. Want the freedom to choose your doctors and other Medicare providers without network restrictions.
  4. Need nationwide coverage and/or travel abroad and need coverage for emergency care.
  5. Are in your initial enrollment period and have guaranteed issue rights to join a plan regardless of your health condition.
  6. Don’t want a Medicare Advantage plan and the hassle of referrals and pre-authorization to receive services.

No, if you:

  1. Don’t expect the need for frequent healthcare now or in the future.
  2. Missed your Medigap open enrollment period and can't pass medical underwriting to get the Medigap policy you want.
  3. Want a Medicare Advantage plan with low or no monthly premiums.
  4. Have Medicaid, VA, retiree benefits, or other coverage options that will pay for most of your Medicare out-of-pocket expenses.
  5. Prefer an all-in-one HMO or PPO plan that includes a Part D prescription drug plan, SilverSneakers, and routine care for dental, vision, and hearing.
  6. Can adhere to the rules and restrictions of a Medicare Advantage.

Get a Free Medicare Supplement Rate Comparison

What Does a Medigap Plan Cover?

Every Medigap insurance company in New Hampshire is required to follow both federal and state insurance laws. Carriers must offer the standardized Medicare plans identified by letters A through N.

For instance, a Plan F from Aetna Medicare has the same coverage and benefits as a Plan F from Mutual of Omaha, AARP Medicare, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is why Medigap plans are easier to compare than Medicare Advantage plans.

Medigap policies may include the following benefits:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part A inpatient deductible
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care and hospice care coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • Foreign travel emergency services
  • Out-of-pocket limits

The plan comparison chart below is the best way to compare Medicare Supplement coverage options.

Medicare Supplement Plans Comparison Chart for 2023

There are two high-deductible plan types, Plan F and G. If you enroll in a high-deductible plan, you pay all Part A and Part B out-of-pocket costs up to the annual deductible amount.

Related: How High Deductible Plan G Works

Insurance carriers are free to choose their plans, although New Hampshire state laws might affect which ones they can offer. For more information, visit the New Hampshire Department of Insurance website at http://www.nh.gov/insurance/.

Most Popular Medigap Plans in New Hampshire

A Medigap plan is gap coverage you can buy from a private insurance company. A Medigap policy will lower or eliminate your hospital coverage (Medicare Part A) and medical coverage (Medicare Part B) costs.

The three best-selling Medigap plans in New Hampshire are Plan F, Plan G, and Plan N, the latest plan. The coverage they provide is what makes them the most popular. They offer the best protection against Original Medicare's out-of-pocket costs.

Plan F has the most complete coverage. It covers all deductibles, copays, and coinsurance. It is not available to anyone who qualified for Medicare on or after January 1, 2020.

Plan G covers all deductibles, copays, and coinsurance except the Part B deductible. It has the best coverage you can get if you qualify for Medicare this year. If you're evaluating Medicare Plan G pros and cons vs. Plan F, consider that G costs less F, even when you factor in the Part B deductible Plan G does not cover.

Plan N does not cover the Part B deductible or Medicare excess charges. Plus, beneficiaries have a small copayment on some doctor visits and emergency room visits that don’t result in inpatient admission.

  • Best Medicare Supplement Plan F in New Hampshire
  • Best Medicare Supplement Plan G in New Hampshire
  • Best Medicare Supplement Plan N in New Hampshire

Also See: Medicare Plan F vs Plan G: Which is Better in 2023?

Looking for a different Medicare Supplement plan in your location? Ask us for free quotes on the best Medigap Plans in New Hampshire that interest you.

Get a Free Medicare Supplement Rate Comparison

Top 10 Plan F in New Hampshire

Medicare Supplement Plan F is the most popular Medigap plan available in New Hampshire. Here are the 10 best Plan F policies available in New Hampshire based on our reviews (click for details):

Top 10 Medigap Plan F in New Hampshire

CarrierPremium[3]FeeReview[4]
Anthem Blue Cross and Blue Shield$173.54None☆☆☆☆☆
AARP$183.25None☆☆☆☆☆
Americo Life$176.68None☆☆☆☆☆
Globe Life$179.00None☆☆☆☆☆
Mutual of Omaha$188.86None☆☆☆☆☆
Colonial Penn$204.42None☆☆☆☆☆
USAA Life$212.50None☆☆☆☆☆
State Farm$214.45None☆☆☆☆☆
United American$238.00None☆☆☆☆☆
Transamerica$177.02$25.00☆☆☆☆☆

Top 10 Plan G in New Hampshire

Medicare Supplement Plan G is rapidly gaining popularity with New Hampshire seniors. With Plan F no longer available to new Medicare beneficiaries, Plan G is the new gold standard. Here are the 10 best Medigap Plan G policies available in New Hampshire based on our reviews (click for details):

Top 10 Medigap Plan G in New Hampshire

CarrierPremium[3]FeeReview[4]
Anthem Blue Cross and Blue Shield$134.05None☆☆☆☆☆
AARP$142.63None☆☆☆☆☆
Americo Life$150.17None☆☆☆☆☆
Mutual of Omaha$157.27None☆☆☆☆☆
Colonial Penn$186.28None☆☆☆☆☆
United American$224.00None☆☆☆☆☆
Transamerica$131.54$25.00☆☆☆☆☆
Continental Life$149.19$20.00☆☆☆☆☆
Central States$152.58$25.00☆☆☆☆☆
Renaissance Life$153.00$25.00☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal.

Top 10 Plan N in New Hampshire

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many New Hampshire seniors. Here are the 10 best Medigap Plan N policies available in New Hampshire based on our reviews (click for details):

Top 10 Medigap Plan N in New Hampshire

CarrierPremium[3]FeeReview[4]
Anthem Blue Cross and Blue Shield$121.68None☆☆☆☆☆
AARP$130.05None☆☆☆☆☆
Colonial Penn$122.32None☆☆☆☆☆
Americo Life$123.67None☆☆☆☆☆
Mutual of Omaha$125.32None☆☆☆☆☆
Globe Life$126.00None☆☆☆☆☆
USAA Life$146.71None☆☆☆☆☆
United American$178.00None☆☆☆☆☆
Transamerica$111.95$25.00☆☆☆☆☆
Continental Life$123.12$20.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits.

Cost of Medigap Plans in New Hampshire

The Medicare.gov website has a plan finder tool. It shows the average cost of Medicare Supplement plans in New Hampshire. What the government tool doesn't provide is the exact premium, rate increase history, AM Best rating score, and household discounts.

Our FREE Medicare Supplement Plan Rate Quote Service provides rates for all insurers, household discounts, AM Best ratings, Medigap rate increases by company, and more.

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

How to Choose the Right Medicare Supplemental Insurance

New Hampshire is a diverse state and individuals on Medicare in New Hampshire have diverse needs. Age, gender, zip code, use of medical services, providers, emergency care, supplies, and durable medical equipment are all factors consumers need to consider.

All of these things play a role in the plan types you should consider. Let's explore how to find the best plan for you.

When "Best" Means "Most Coverage Available"

If you are signing up for Medicare with chronic health issues, or if you have done a good job saving for your retirement, most experts agree that Plan G is the best option in New Hampshire. It offers the most coverage you can buy if you're getting your Medicare benefits in 2023.

When "Best" Means "Good Coverage and Monthly Savings"

If you are signing up for Medicare in excellent health, or if you need good coverage but can't handle the cost of Plan G, Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays, while also covering most medical care expenses.

When "Best" Means "Lowest Cost Coverage"

Not everyone in New Hampshire can afford or needs the comprehensive coverage provided by Plans F, G, and N. When the amount of your monthly premium is a concern, ask your insurance agent to give you advice about Plan K and High Deductible Plan G (HDG). These are the two lowest-cost plans available.

Medigap Eligibility Requirements

You can apply for supplemental Medicare insurance in New Hampshire during your Medigap Open Enrollment Period (OEP). Your OEP is a six-month window of time that begins at age 65 when you enroll in Medicare Part B.

Federal law guarantees your right to buy insurance during your OEP. This Medigap protection will allow you to choose the Medicare Supplement plan that best suits your needs, regardless of your health history or chronic health conditions.

After your Medigap open enrollment period has ended, it is harder to get a Medicare Supplement policy. It's one of the few disadvantages of Medicare Supplement plans.

Insurance companies can ask questions about your health, charge you higher premiums, reject your application, or refuse to cover you due to your medical history. They can also make you accept a waiting period of six months before coverage starts.

NOTE: Unless you have Social Security Disability Insurance benefits, the earliest age to get Medicare is age 65.

New Hampshire Enrollment Process for Medicare Supplements

New Hampshire Medigap plan enrollees require the assistance of a licensed insurance agent. Before you can apply, you need to be enrolled in both Medicare Part A and Part B. You can do this through the Social Security Administration website, or by calling them directly at 800-772-1213.

If you don't have an insurance agent, we recommend HealthCompare, an Allstate company. Call them at 1-855-728-0510 (TTY 711). They work with all major New Hampshire plans. There's no obligation.

Another option is your local SHIP. The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries. New Hampshire's SHIP is available by phone (1-866-634-9412) or through their website.

Adding a Medicare Prescription Drug Plan

In the past, Medicare Supplements sold in New Hampshire were allowed to add extra benefits, including prescription drug coverage. This is no longer the case.

The only way to get coverage on prescriptions with a Medigap policy now is to get a New Hampshire Medicare Part D plan. In most areas of New Hampshire, basic prescription drug plans start at less than $20 per month.

New Hampshire Medicare Supplements vs. Medicare Advantage

It's natural to compare the best Medigap insurance with other health insurance plans, like Medicare Advantage. On the surface, Medicare Advantage plans appear to cost less. And, in some cases, they do save money. However, the out-of-pocket expenses in most New Hampshire Medicare Advantage plans are as much or more than Original Medicare.

Original Medicare does not have an out-of-pocket maximum. However, all health insurance companies offering Medicare Advantage plans are required to set an annual out-of-pocket limit, up to the annual limit set by CMS. A Medigap plan's coverage creates an out-of-pocket limit for Original Medicare.

Can I Get a Policy If I'm On Medicaid in New Hampshire?

It is not legal for a health insurance company or insurance agents licensed in New Hampshire to sell individuals a Medigap policy if you have Medicaid benefits.

If you can't afford a Medigap plan or the co-insurance costs in Medicare Advantage policies, there is a third option. Many areas of New Hampshire have access to dual-eligible Medicare Special Needs Plans (D-SNP). If you qualify for both Medicare and Medicaid, a New Hampshire Special Needs Plan plan might be your best option.

What About Dental, Vision, and Hearing Benefits?

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone New Hampshire dental insurance policy.

Next Steps

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

Frequently Asked Questions (FAQs)

How much is Plan G in New Hampshire?

It all depends. Your age, gender, {state_code} zip code, and tobacco use all need to be factored in. You can take advantage of our Free Plan G Quote Service to find the lowest prices and discounts in your area.

Who has the best Medicare supplemental insurance in New Hampshire?

Here are your top choices in New Hampshire:

  1. Anthem Blue Cross and Blue Shield
  2. AARP
  3. Americo Life
  4. Mutual of Omaha
  5. Colonial Penn
You will find the complete list here.

Citations & References

medicare.gov
  • Costs of Medigap policies, Medicare.gov, Last Accessed February 2, 2023
  • What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed February 2, 2023
  • Find a Medigap policy that works for you, Medicare.gov, Last Accessed February 3, 2023
  • How to compare Medigap policies, Medicare.gov, Last Accessed February 3, 2023
  • How Original Medicare works, Medicare.gov, Last Accessed February 3, 2023
  • Your Medicare coverage choices, Medicare.gov, Last Accessed February 5, 2023
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare insurance plans and Medicare Supplement companies on this page originate from CMS Data Files. Content is maintained by David Bynon, and was last updated on February 5, 2023.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.