Best Medicare Supplement Plans in New Hampshire 2021

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)

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.

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

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.

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.

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

• Shop for Medicare Supplement Plan in New Hampshire at medicare.gov
• Learn more about Medicare Supplement Insurance
•  CMS, or Centers for Medicare and Medicaid Services

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.