Which New Hampshire Medicare Supplement is Best for Me?
Most Medicare experts agree that Original Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage...., combined with Medicare supplemental insurance, provides the best Medicare insurance coverage New Hampshire seniors can get. But, which supplement is the right one for you?
This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of the three best Medigap plans available in New Hampshire : F, G, and N. Keep reading and we'll explain why.
Top 3 Medicare Supplements in New Hampshire
Looking for the three best Medigap plans available in New Hampshire? They are Medicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services...., If you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is..., and Medicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their.... Here are the 10 best insurance companies that offer these plans:
- 10 Best Medicare Supplement Plan F in New Hampshire
- 10 Best Medicare Supplement Plan G in New Hampshire
- 10 Best Medicare Supplement Plan N in New Hampshire
Looking for a different plan? Compare the best Medicare supplement plans in New Hampshire. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.
New Hampshire Medicare Supplement Plan F Comparison Chart
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):
New Hampshire Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among New Hampshire seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in New Hampshire based on our reviews (click for details):
New Hampshire Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B Coinsurance is a percentage of the total you are required to pay for a medical service. ... 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):
Best New Hampshire Medicare Supplement Plans Reviews
The Centers for Medicare and Medicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States.... updates their Medigap cost information annually. We evaluate all Medicare Supplement companies servicing policies in New Hampshire. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan A premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. ..., and fees. We do not evaluate rate increase history for all Medicare insurance plans, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in New Hampshire head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-728-0510 (TTY 711) to speak with an agent and get a quote.
How Much do Supplemental Medicare Plans Cost in New Hampshire?
The Centers for Medicare and Medicaid updates their supplemental cost information annually. We list sample monthly premiums for all Medigap Plans in New Hampshire. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex, and use of tobacco products. Call 1-855-728-0510 (TTY 711) to get a quote.
Medigap Plans in New Hampshire are Standardized
All Medicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage.... carriers in New Hampshire are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N. So, for example, a Plan F from Aetna has exactly the same health coverage as a Plan F from Mutual of Omaha. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare Advantage.
NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.
Each Medicare supplement insurance policy sold in New Hampshire offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of additional insurance you need to cover the gaps in your Medicare Parts A and B benefits.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,... (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the New Hampshire Department of Insurance website at http://www.nh.gov/insurance/.
New Hampshire Med Supp Plan Comparison Chart
The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A is hospital inpatient coverage for people with Original Medicare, whereas Part B is medical coverage for doctor visits, tests, etc.... Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|A Medicare Part B excess charge is the difference between a health care provider’s actual charge and Medicare’s approved amount for payment....||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Are Medigap Plans Better Than Medicare Advantage Plans in New Hampshire?
It's important to compare Medigap insurance with Medicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B)..... At first glance, it looks like Medicare Advantage plans are less expensive and offer more benefits. But, you need to dig deeper to get to the truth. If you are simply comparing the monthly premiums, you may be in for a very big surprise with a Medicare Advantage plan in most areas of New Hampshire.
To really understand the difference between Medicare supplements and Medicare Advantage plans you need to look at total cost. It's true, Medicare Advantage plans have many advantages and disadvantages, but your Out-of-pocket costs (aka, out-of-pocket medical expenses) are costs that a beneficiary must pay because their health insurance does not cover them. Out-of-pocket costs are found in the deductibles, copayments, and coinsurance outlined in each health... are not one of its advantages.
How To Get Prescription Drug Coverage with a Medigap Policy in New Hampshire
The only way to get prescription coverage with a Medigap policy is to buy a stand-alone Medicare Part D plan that's available in New Hampshire. Basic prescription drug coverage start at less than $20.
If you are about to get your Medicare benefits, you can join a prescription drug plan as soon as you have both your Part A and Part B benefits. But, once your initial enrollment has passed, you'll have to wait until the next In health insurance, open enrollment is a period during which a person may enroll in or change their selection of health plan benefits. Health plan enrollment is ordinarily subject to restrictions.... period to enroll or to switch to a new plan. The Annual Election Period is in the Fall from 15 October through 7 December.
NOTE: If you don't enroll in a prescription drug plan when you are first eligible, you will be penalized with additional fees when you do join a plan. You may not have regular prescriptions that you take now, but it pays to join a basic plan to avoid the penalty later.
Still Unsure About How Supplemental Medicare Insurance Works in New Hampshire?
If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costs, these articles may help:
- What are the Different Medicare Supplement Plans?
- What is the Best Medicare Supplement Plan for 2021
- Can you get a Medicare Supplement if you are on disability?
- When can I change my Medicare supplemental insurance plan?
- Are there any free Medicare Supplement plans?
- How to Pick the Best Medicare Supplement Plan
Top Questions About Medicare Supplement Plans in New Hampshire
We get a lot of great questions regarding Medigap plans in New Hampshire. Here are the most common questions we answer.
A New Hampshire Medigap Plan Does Not Cover Dental
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.
It's different for everyone who applies. Monthly premiums on New Hampshire Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.
Here are your top choices in New Hampshire:
- Anthem Blue Cross and Blue Shield
- Americo Life
- Mutual of Omaha
- Colonial Penn
Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a New Hampshire Medigap plan without having to answer any health questions. You can learn more here.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The New Hampshire SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
Additional Foot Notes
 The sample premium is for a 65-year-old, non-smoking, woman living in New Hampshire. The rate was accurate on the date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
Citations & Referencesmedicare.gov
- Medicare.gov: the official U.S. government site for Medicare | Medicare https://www.medicare.gov/
- Medicare costs at a glance | Medicare https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
- Find a Medigap policy that works for you https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx
- Drug coverage (Medicare Part D is Medicare's prescription drug plan program. Plans are offered by private insurance companies and cover outpatient prescriptions....) | Medicare http://www.medicare.gov/part-d/index.html
- The United States Social Security Administration https://www.ssa.gov/
- Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/