New Hampshire Medicare Plans
Medicare policies in New Hampshire, like in most states, can leave behind thousands of dollars in coinsurance and deductibles. This is why most beneficiaries choose to enroll in Supplements, Part D plans or Advantage plans to help limit those out-of-pocket expenses.
New Hampshire Medicare plans open enrollment
The open enrollment period begins three months prior to your 65th birthday and continues for the three months following your birthday. In New Hampshire, and other states, it is also best to enroll in a Supplement at this time as you cannot be declined coverage based on your existing health.
While you can enroll in a Supplement at any time throughout the year, you will be required to complete a health survey and can be declined based on your pre-existing conditions.
The Medicare plans in New Hampshire are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 27 Advantage plans in New Hampshire based on the county in which you live. These plans are private insurance plans that offer all the same benefits as Original Medicare and offer additional benefits. These benefits include dental, vision and prescription coverage.
Medicare Part D
There are 26 plans available in New Hampshire. These Part D plans help to cover costs of prescription drugs. Original Medicare and Supplements do not provide this coverage, so many beneficiaries choose to enroll in a Part D plan or an Advantage plane in order to limit their out-of-pocket costs at the pharmacy.
How we can help
Remember, all plans provide standardized coverage and the only difference is the cost. Our New Hampshire licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.