October 6, 2016
As you get closer to retirement age, you may start thinking about your health insurance needs after retirement. You may be interested in learning more about Original Medicare and alternative ways that you may receive Medicare benefits from private insurance companies contracted with Medicare and who offer Medicare plans in New Hampshire.
Original Medicare encompasses Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). Medicare Part A is usually premium-free for people who receive Social Security benefits. However, some individuals may have to pay a monthly premium because they (or their spouses) did not pay at least 10 years (40 quarters) of Medicare taxes before they retired.
Medicare Part A benefits include, but are not limited to, the following health services:
Original Medicare Part B covers medical services. As in other states, most Medicare beneficiaries have to pay a Medicare Part B monthly premium. Under Medicare Part B beneficiaries receive, among others benefits, the following covered services and supplies:
You are eligible for Medicare in New Hampshire if:
In New Hampshire as in other states, you can apply for Medicare through the Social Security Administration (SSA). If you are applying for retirement benefits, you can enroll in Medicare at the same time. You can apply:
You may enroll in Original Medicare, Part A and/or Part B, during the following enrollment periods:
You can also choose to receive your Medicare benefits through Medicare Advantage (Medicare Part C), which is private insurance. In New Hampshire and throughout the U.S., Medicare Advantage plans are required by the government to offer at least the same coverage as Original Medicare, Part A and Part B (except hospice care, which remains covered by Medicare Part A). Many Medicare Advantage plans offer extra coverage not available from Original Medicare, such as routine hearing exams and hearing aids, routine vision care and eye ware, and/or dental coverage. You may want to compare all Medicare Advantage plans available where you live in New Hampshire to select the one that includes the benefits you need. To find out more about these plans, click Medicare Advantage plans in New Hampshire.
Medicare Advantage Prescription Drug plans combine health and prescription drug coverage into a single plan, and they’re also available to Medicare beneficiaries in New Hampshire. But remember that even if you enroll in a Medicare Advantage plan or a Medicare Advantage Prescription Drug plan, you have Original Medicare and continue paying the Medicare Part B premium in order to maintain your health insurance coverage.
If you’re enrolled in Original Medicare, Part A and/or Part B, you may also enroll in a stand-alone Medicare Part D Prescription Drug Plan. Costs for Medicare Part D in New Hampshire vary and depend on the extent of the coverage you select. Learn about Medicare Part D plans in New Hampshire.
If you decide to stay with Original Medicare (Part A and Part B), another option you may have is to sign up for a Medicare Supplement (Medigap) plan to help pay for Original Medicare’s out-of-pocket costs. Different Medigap plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles. For more information, see Medigap plans in New Hampshire.
Medicare beneficiaries in New Hampshire have access to various private health plans, depending on the county in which they live. For example, a resident of Manchester in Hillsborough County may have different Medicare plan offerings than a resident of Windham in Rockingham County. The various Medicare insurance plans available in New Hampshire allow you to customize your search for plans based on your own health and prescription needs.
There are a number of resources designed to help Medicare beneficiaries in New Hampshire with Medicare-related issues and concerns. Here are some of the resources that may be helpful to you:
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