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Best Medicare Supplement Plans in New Hampshire 2021

Original Medicare covers the basic benefits of hospital and outpatient services, and Medicare Supplement plans in New Hampshire expand on that. Known as Medigap insurance, these plans reduce your medical expenses by:

  • Covering some out-of-pocket costs
  • Adding benefits not available under Original Medicare

What Are the Top 5 Medicare Supplement Plans in New Hampshire?

Following are the five top Medicare Supplement plans in New Hampshire. Compare plan options to see what best suits you, based on your:

  • Eligibility
  • Projected medical expenses
  • Budget parameters

1. Best for full coverage: Medicare Plan F

Plan F is restricted to beneficiaries who:

  • Became eligible for Medicare coverage before January 1, 2020 AND
  • Are not enrolled in a plan

Benefits:

  • Coinsurance / copayments
  • Medicare Part A deductible and Part B deductible
  • Part B excess charges
  • Foreign travel emergency (80%)

2. Best comprehensive plan: Medicare Plan G

  • Plan G is similar coverage to Plan F
  • Main difference is that the Medicare Part B deductible is not covered

3. Best value: Medicare Plan N

  • Part B coinsurance
  • Part A coinsurance and deductible
  • No coverage for Medicare Part B deductible or excess charges
  • Cost sharing for copayments (Up to $20 for office visits and up to $50 for emergency room visits unless admitted)
  • Lower premiums than Plans F and G

4. Best deductible plan: High-Deductible Plan F

As in the original F, this insurance policy is restricted to beneficiaries who:

  • Became eligible for Medicare coverage before January 1, 2020 AND
  • Are not enrolled in a plan

Benefits are the same as the original F, but you must meet a high deductible before benefits are paid. To compensate for the high deductible, premium rates are lower.

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

5. Best for lowest premiums: High-Deductible Plan G

  • Same coverage as original Plan G
  • Benefits paid out after you meet a high deductible
  • Reduced premium from original G

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

What Is the Best Supplemental Insurance To Go With Medicare?

The best Medicare Supplemental insurance is the one you are most comfortable with based on your needs. Our licensed insurance agents are trained to guide you through the process.

What is the most popular Medicare Supplement plan in New Hampshire for 2021?

Based on enrollment in 2021, Plan G stands out as the most popular plan.

Which plan has the best benefits in New Hampshire?

Plans F and G tie for the best benefits. Plan F does offer the added benefit of covering the Part B deductible. However, F is not available to everyone, and the premium is higher.

How do I choose the best plan?

Choosing the best plan is complicated, and it’s an important decision. Let our Policy Guides break it down for you.

Which Medigap company offers the best rates in New Hampshire?

Private insurance companies offer different rates for different locations. Our Policy Guides can put together pricing for different companies in your state so you can compare.

What is the Average Cost for a Medicare Supplement Plan in New Hampshire for 2021?

To get an idea of the average cost, let’s look at an example. The rates below are associated with someone who is:

  • Female
  • 65 years old
  • A nonsmoker
  • Lives in Rockingham, zip code 03073
New Hampshire Medigap Plan Premium Range Average Premium
Plan K $71.25 – $143.83 $107.54
Plan N $122.37 – $215.85 $161.72
Plan G $141.36 – $267.37 $187.75

Common New Hampshire Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in New Hampshire?

A.M. Best is a rating company that enables you to compare Medicare insurance companies based on their financial strength. Next to each Medicare insurance company listed below, you can see the A.M. Best ratings:

  1. Aetna: A (excellent)
  2. Mutual of Omaha: A+ (superior)
  3. Cigna: A (excellent)

When Can I Apply for a New Hampshire Medicare Supplement Plan?

It is advantageous for you to apply for a Medicare Supplement insurance plan in New Hampshire during your Medigap Open Enrollment Period. This is different from the annual election period for other federal Medicare programs.

Medigap Open Enrollment Period

  • This is when you can get the best rates because pre-existing conditions cannot affect the premium amount.
  • If you miss this window to enroll, private insurance companies can charge you more based on current or past health conditions.
  • Outside open enrollment, you can be declined.
  • Apply the month you turn 65 and are enrolled in Part B.

Guaranteed issue rights require insurers to sell Medicare Supplement insurance plans in certain situations outside open enrollment. In that case, you cannot be declined or charged more because of your health condition. This usually applies when someone loses current coverage.

Which is better, Medigap Plan G or Plan N?

The better plan is based on individual preference. Some Medicare beneficiaries are willing to accept less coverage in order to pay lower premiums. With Plan N, you can save monthly premiums in exchange for:

  • Copayments you have to pay at the doctor and ER
  • No coverage for Part B excess charges

What is Medicare Supplement Insurance?

To appreciate the advantages of a Medicare Supplement plan in New Hampshire, it helps to understand your benefits and responsibilities under the federal Medicare program known as Original Medicare, sometimes referred to as traditional Medicare.

Traditional Medicare benefits:

  • Inpatient care (Medicare Part A)
  • Outpatient services and supplies (Medicare Part B)

Generally not covered under traditional Medicare:

  • Health care when you travel outside the U.S.
  • Charges billed by your provider that exceed the Medicare-approved amount, known as excess charges
  • Part A deductible
  • Part B deductible
  • Coinsurance or copayments
  • Part D – prescription drug plan

Depending on the plan, Medigap policies cover:

  • First three pints of blood
  • Emergency health care while traveling, within plan limits
  • Excess charges
  • Out-of-pocket costs that may include deductibles, coinsurance and/or copayments

Your Medicare Supplement insurance plan in New Hampshire will not include prescription drug coverage. For that, you would need to purchase a Medicare Part D plan.

Medicare eligibility to sign up for Medicare begins three months prior to your 65th birthday. If you are receiving Social Security or Railroad Retirement Board (RRB) benefits, enrollment is automatic. Your effective date depends on your birth date.

Is Plan G the Best Medigap Plan in New Hampshire?

How Much Does it Cost?

Our Policy Guides can provide a quote based on your age, where you live and whether or not you are a smoker.

For example, if you are a 65-year-old woman who does not smoke and lives in zip code 03077, your premium will most likely be around $188 per month. The premium range is $141.36 – $267.37.

What is the Plan G Deductible in 2021?

The deductible is not applicable to Plan G. You are responsible for the following deductibles:

  • Part B ($203 in 2021)
  • Medicare Part D plan (prescription drug coverage) – check your plan for the deductible amount

What does Medigap Plan G Cover in New Hampshire?

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

New Hampshire Medicare Resources

New Hampshire Enrollment Statistics

The top five largest counties in New Hampshire in terms of population are:

  • Hillsborough County (406,371)
  • Rockingham County (302,479)
  • Merrimack County (147,958)
  • Strafford County (126,552)
  • Grafton County (89,280)

The number of New Hampshire residents enrolled in Medicare Part A and Medicare Part B was 286,980 in 2018, according to the Centers for Medicaid Services. Across the United States, about 25 percent of people who receive Original Medicare insurance also have a Medicare Supplement plan. Assuming that New Hampshire’s 2015 statistics still hold relatively true for the present, The Granite State exceeds the national average; more than 88,000 residents owning Medicare Supplement insurance plans in New Hampshire.

Key Take Aways
  • There are 10 Medicare Supplement Plans in New Hampshire to choose from.
  • In New Hampshire, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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