Medicare Supplement (Medigap) plans in New Hampshire are designed to help Medicare beneficiaries pay for out-of-pocket expenses associated with Original Medicare, Part A and Part B, including copayments, coinsurance, and deductibles. Depending on the plan type, some Medigap plans may include yearly out-of-pocket limits on your Medicare costs; under Original Medicare, there’s no maximum cap on the amount you could spend every year.
In New Hampshire, Medicare Supplement plans vary depending on your zip code, so it’s always a good idea to familiarize yourself with what each Medigap plan offers, and then choose the one that best fits your budget and health needs.
How Medigap plans work in New Hampshire
New Hampshire is one of 47 states that offer the same 10 standardized Medicare Supplement plans. Each Medigap plan is identified by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits. Only three states–Massachusetts, Minnesota, and Wisconsin–offer different kinds of standardized Medigap plans.
To sign up for Medigap in New Hampshire, you must first be enrolled in Original Medicare, Part A and Part B. Your six-month Open Enrollment Period for Medigap starts the first day you are both age 65 or older and enrolled in Medicare Part B. During this time period, you have guaranteed-issue rights, meaning you can sign up for any Medigap plan available in your area offered by any insurance company, and you cannot be denied coverage altogether because of your health status or charged more if you have pre-existing conditions (although waiting periods may apply). Always keep in mind that if you decide to enroll in a Medicare Supplement plan in New Hampshire after your six-month Medigap Open Enrollment Period has ended, you may be charged more for your insurance plan or even be denied coverage if you don’t have guaranteed-issue rights. There are a few situations where you may be able to switch plans or enroll in a different Medigap plan with guaranteed issue. For example, if you have a Medicare SELECT policy (a type of Medigap plan that uses provider networks) and you move out of your Medicare SELECT plan’s service area, you have a guaranteed-issue right to enroll in a Medigap Plan A, B, C, F, K, or L offered by any insurance company in your state (or the state that you’re moving to). However, in general, it’s much more difficult to make changes to your Medicare Supplement coverage after your Medigap Open Enrollment Period has passed, especially if you have health problems.
Remember that Medigap in New Hampshire is meant to supplement–not replace–Original Medicare, so you must remain enrolled in Original Medicare for your hospital and medical coverage. In addition, you’ll need to keep paying your Medicare Part B premium in order to keep your health insurance coverage (in addition to the plan premium for your Medicare Supplement plan). If you need prescription drug coverage, you may want to consider joining a stand-alone Medicare Part D Prescription Drug Plan, since Medigap in New Hampshire (like the rest of the country) does not offer prescription drug coverage.
Types of Medigap plans in New Hampshire
Take a look at the 10 types of standardized Medicare Supplement plans available in New Hampshire, and understand what kind of benefits you can expect to receive under each plan.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional
365 days after Medicare benefits are exhausted
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply**|
Additionally, it may be useful for you to know that Medicare Supplement Plan N pays 100% of the Medicare Part B coinsurance, with the following exceptions: Plan N does not cover up to $20 copayment on some office visits and up to $50 copayment on emergency room visits if you’re not admitted as an inpatient. Also, Medicare Supplement Plan K and Plan L have out-of-pocket limits that may change each year.
If you’re looking for more comprehensive coverage, Medicare Supplement Plan F may be a good fit for your needs. This plan covers almost 100% of Medicare-associated costs in the above benefits chart after Original Medicare has paid its share (excluding the Medicare Part B premium).
Choosing a Medigap plan in New Hampshire
As stated above, Medicare Supplement plans in New Hampshire with the same letter designation don’t vary in coverage or benefits. However, although benefits may be exactly the same across plans of the same letter, prices may vary depending on the insurance company that offers it and location. Each insurance company sets its own monthly premium structure. This means that a resident of Manchester in Hillsborough County may pay more or less than a resident of Concord in Merrimack County for an identical Medicare Supplement plan. Because premium costs may vary so much (even for the exact same benefits), it may be a good idea to compare all Medicare Supplement plans available in your area in order to choose the Medigap plan in New Hampshire that offers the coverage you’re looking for at the best price.
To get help choosing the Medigap plan in New Hampshire that works best for your individual requirements, you can find plan options in your area by entering your zip code into the plan finder tool on this page. If you’d prefer to get personalized help with your Medicare needs and questions, just call the phone number on this page to speak with a licensed insurance agent.
To get more information about Medicare insurance in New Hampshire, check out the following resources:
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.