New Hampshire Medigap Plans are Medicare supplement insurance offered by private companies. These plans fill in the gaps left by Medicare, covering additional healthcare costs. In NH, where Medigap operates similarly to most other states. You have ten different policies to choose from, allowing you to find the one that best suits your needs and budget. Medigap companies have to make their plans available to disabled people under 65, but the premiums might be higher.
NH Medigap for Beginners
Let’s delve into New Hampshire Medigap Plans:
- There are 10 standardized plans for those eligible for Medicare Part B before January 1, 2020.
- For those eligible for Medicare Part B after 2020, there are 8 standardized plans (plans F and C excluded).
- Plans in NH have benefits and networks standardized, similar to most other states. (Source)
So why does this matter? Standardized plans mean that the plan’s core coverage and doctor network will be identical no matter which insurance provider offers them. So, it makes comparing Med Supp companies easy since they are offering the exact same thing (even though they may have different monthly premiums).
Comparing New Hampshire Medigap Plans
Here are the Medigap plans available in the Granite State if you qualified for Medicare after January 1, 2020. It may seem overwhelming at first but the majority of all enrollees select plan G because it offers the right balance of coverage and is usually priced well.
| Benefits | A | B | D | G** | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,676) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($257) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,200 | $3,610 |
**Medigap Plan G High Deductible is identical coverage with a high deductible of $2,870.
If you were Part B eligible before January 1, 2020, you may be able to enroll plan in F or C.
New Hampshire Most Popular Plans
Based on the latest data from America’s Health Insurance Plans (AHIP), more than 98,000 residents of New Hampshire have opted for a MedSup policy.
As you may know, there have been changes in Medigap plans since 2020, resulting in shifting preferences. Although Plan F used to be the most popular choice due to its high enrollment, it is no longer accepting new enrollees. Consequently, Plan G has emerged as the preferred Medigap plan, with over 33,000 enrollees among individuals who turned 65 after January 1, 2020.
When to enroll in a New Hampshire Medigap Plan
NH, like many states, provides a Medigap Open Enrollment Period (OEP), which is the one-time six-month timeframe known as the initial enrollment period. This period commences when you turn 65 or older and enroll in Medicare Part B.
Within the Medigap Open Enrollment Period (OEP):
- You have the right to purchase a Medicare supplement policy, irrespective of your health condition, as insurance companies cannot deny you coverage.
- Companies may ask health-related questions on the application.
- Premiums cannot be increased based on your medical history.
Please note that even though it is called “Open Enrollment” this is not an annual event and only occurs when you are first eligible for Medicare in New Hampshire.
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Switching Medigap Plans in New Hampshire
Thinking about changing your Medigap plan? The AEP Open Enrollment from October 15 to December 7 doesn’t apply to Medigap in New Hampshire. You can switch anytime, but medical underwriting is generally needed. You’ll answer about 20 questions on health in the Med Supp application. Rates and approval depend on your responses. This could result in your application not being accepted. For more information, check out our detailed guide, “The Definitive Guide to Medicare Insurance Changes.”
We’re here to help if you want to discuss your options, and our advice is always free. Call us at 800-930-7956.
Medigap Under 65 in New Hampshire
Younger Americans become eligible for Medicare after receiving disability benefits for 24 months, or if they have ALS or end-stage renal disease. In New Hampshire, approximately 13% of Medicare beneficiaries are under 65 years old and qualify due to a disability rather than age. In New Hampshire, Medigap insurers are required to offer their plans to disabled beneficiaries under 65, though the premiums may be higher. Click the following link to learn more about Medigap rules for under 65.
Medicare Excess Charges in New Hampshire
When a doctor bills you more than what Medicare covers, that extra amount is called a Part B excess charge. This happens if the provider doesn’t accept the Medicare-approved rate and decides to charge you more —up to an extra 15% legally. Lucky for you, Medigap plans —like Plan G— have your back. Learn more in our article ‘How To Avoid Medicare Excess Charges’.
New Hampshire Medigap Discounts
Though all Medigap plans are standardized, some companies offer the “Household Discount” or “HH Discounts.” These discounts usually provide a percentage off your monthly Medicare Supplement premium when two individuals from the same address are both enrolled with the same Medigap insurance company. There are a few providers who do not require both household residents to be on the plan in order to get the HH discount. Call us to learn more.
This discount is available regardless of your type of dwelling, whether it’s a house, apartment, yurt, trailer, or any other residence. It applies even if your spouse is already enrolled, and you are applying for coverage as a new enrollee.
Please be aware that household discounts are not automatically displayed in our Medigap quoting system, so make sure you click on the button that says “show household discount” on the results page. You can also call one of our licensed agents at 800-930-7956 to inquire about how HH discounts work in your area.
Another fantastic option is the Roommate Discount, which has minimal requirements. Learn more in our article, “What is the Medigap Roommate Discount and How Do I Qualify?”
Next Step
Don’t hesitate…Act now and get a Medigap quote for New Hampshire online here or by reaching out to our licensed agents at 800-930-7956. It’s as easy as picking up the phone!
Remember, at Senior65.com, we are here to serve you without charging any fees, so there’s absolutely nothing to lose! If you have any questions or need assistance, feel free to leave a comment below.