Medicare Supplement Plans in New Hampshire

Medicare Supplement plans in New Hampshire (NH) are an essential part of healthcare coverage for many residents of the state. With over 20% of the population in New Hampshire on Medicare, it is vital to ensure each and every enrollee has the best coverage for their needs.

Many New Hampshire Medicare enrollees choose to enroll in a Medicare Supplement (Medigap) plan to add additional coverage to their Medicare. Below, we will explain how this coverage will work with your benefits.

What are the Best Medicare Supplement Plans in NH?

Across the U.S., the best Medigap plans are similar due to federal Medigap standardization. Regardless of the state you reside in or the carrier you choose to enroll with, your Medigap coverage will be the same.

For example, if you enroll in Medigap Plan F in Ohio through Anthem and your family member in Colorado enrolls in a Plan F through Cigna, your benefits will be the same.

Thus, the best Medigap plans are the same across the country.

Medicare Supplement Plan F is the most comprehensive Medicare Supplement plan available in New Hampshire. This plan allows those who were eligible for Medicare prior to January 1, 2020, to enroll in a plan that covers 100% of their out-of-pocket costs after Original Medicare pays its portion. Thus, you are left with no out-of-pocket costs. The only amount you pay towards Medigap Plan F is your monthly premium.

However, if you are not eligible for Medicare Supplement Plan F, the next best option for you is Medicare Supplement Plan G. This plan is the premier plan for those new to Medicare who wish to enroll in a plan that will leave them spending the least amount possible in out-of-pocket costs when they receive care.

If you enroll in the Medicare Supplement Plan G in New Hampshire, you will receive 100% coverage for your out-of-pocket costs once you have met the Medicare Part B deductible. After you meet this annual cost, you won’t pay another dime out-of-pocket for Medicare-covered services until January 1 of the following year.

Lastly, Medigap Plan N is a great option for those in New Hampshire who wish to enroll in a plan that will protect their wallets in the event of a major health complication. Plan G has the lowest monthly premium of the top three plans, yet it has the most out-of-pocket costs when receiving care.

With Medicare Supplement Plan N in New Hampshire, you will cover the Medicare Part B deductible, copayments at the doctor and hospital, and excess charges if applicable in your area. Keep in mind, New Hampshire does allow excess charges. So, you will want to speak with your doctors before enrolling in Medicare Supplement Plan N.

How Much do Medigap Plans in New Hampshire Costs?

The cost of Medicare Supplement plans in New Hampshire varies depending on several factors. Location, pre-existing health conditions, age, tobacco use, and other circumstances can determine your monthly premium for Medicare Supplement coverage.

The chart below reviews the cost of Medicare Supplement plans in NH for a 65 and 75-year-old male and female in the same zip code. Both examples are non-tobacco users.

* If on Medicare before 1/1/20

Eligibility for Medicare Supplement in New Hampshire for the Disabled under 65

In New Hampshire, those who qualify for Medicare under the age of 65 due to a disability will have full access to enroll in Medicare Supplement plans at the same rate as those who are over 65.

Recent legislation in the state allows those under 65 access to Medigap coverage without an extreme premium markup like other states. Thus, if you are on Medicare due to disability, a Medicare Supplement plan may be your best option when enrolling in Medicare coverage. 

Which Carriers Offer Medicare Supplement Plans in NH?

Due to Medicare Supplement standardization, choosing the right carrier is just as important as choosing the right plan. The carrier you choose to enroll in can determine how satisfied you are with your plan by how they pay their claims, their customer service team, and additional factors that allow your insurance carrier to differ from the next.

The following highly-rates carriers offer Medicare Supplement plans in NH:

• Accendo
• Aetna
• Anthem Blue Cross Blue Shield
• Cigna
• Globe Life
• Humana
• Mutual of Omaha
• UnitedHealthcare
• And more

The list of carriers above is not comprehensive, as there may be additional carriers who offer Medigap plans in New Hampshire. However, the list above is the most popular carriers in the area.

Additional Medicare Coverage Options in New Hampshire

Aside from Medicare Supplement plans in NH, there are other options available for those who wish to receive additional coverage with Medicare.

For example, dental, vision, hearing, and Medicare Part D prescription drug plans are available to help those who enroll in a Medicare Supplement receive additional benefits to work alongside their selected plan.

However, if you decide a Medicare Supplement plan is not for you, Medicare Advantage plans are also available to provide additional benefits to Original Medicare coverage. However, you cannot enroll in a Medigap and Medicare Advantage plan simultaneously. So, you’ll need to decide which plan option works best for you.