Finding New Hampshire Medicare plans couldn’t be easier. Let Boomer Benefits be your one-stop shop for quotes and information about plans in your area. Here at Boomer Benefits, we help people enroll in Medicare Supplement plans, Medicare Advantage plans, and Part D plans.
Medicare Supplement plans, also called Medigap plans, are plans that pay after Medicare pays, while Medicare Advantage plan, also called Part C plans, are plans that pay instead of Medicare.
Learning the differences between each plan structure is very important before choosing which Medicare plan is right for you.
New Hampshire Medicare Supplements
We represent several carriers in New Hampshire. When comparing plans from each carrier, we evaluate their premiums, financial rating, and average rate increases. In New Hampshire, carriers offer all 10 Medigap plans as of right now. The 10 plans are labeled with a letter between A and N.
Many beneficiaries enjoy the freedom of choice that comes with Medigap plans. You can treat at any doctor or hospital that accepts Medicare. It does not matter which insurance company you buy your supplement from.
New Hampshire Medigap Plan F
Medicare supplement Plan F in New Hampshire is our most popular seller. This plan also covers your Part A & Part B deductibles so that when you seek treatment, you have no out-of-pocket expenses.
However, Plan F will no longer be available to new Medicare enrollees after 2020. This is because Plan F covers the Part B deductible. New legislation has been passed disallowing carriers from covering the Part B deductible for beneficiaries. Instead, the patient will be responsible for the Part B deductible.
New Hampshire Medigap Plan G
Savvy shoppers should also ask us to compare quotes for New Hampshire Medigap Plan G. Plan G covers everything that Plan F does except for the Part B deductible. Premiums for this plan can sometimes be more than $200 cheaper per year. Although Plan G requires you to pay the once-annual Medicare Part B deductible, the annual savings more than makes up for it. You pocket the difference as savings.
New Hampshire Medigap Plan N
In recent years, Plan N has become another popular plan among our clients. Plan N covers everything that Plan G covers except for Part B excess charges and a small copay at the doctor’s office and emergency rooms.
If you live in one of the few states that don’t allow Part B excess charges, then Plan N would be even more similar to Plan G than it already is, and all you’d have to worry about is the copays. Plan N’s copays can be up to $20 for an office visit and up to %50 for an ER visit. If you don’t go to the doctor to often, then you could experience some real savings in premiums by choosing Plan N over Plan F or Plan G.
Medicare Advantage Plans in New Hampshire
Although Medigap plans cover a ton of your out of pocket expenses, they come at an expensive price usually. A less expensive monthly premium option is Medicare Advantage. These plans generally have lower premiums than Medigap plans. However, you will experience costs on the back end like copays, coinsurance, and more.
Medicare Advantage plans are considered to be better than just have Original Medicare because they have a maximum out of pocket limit. With Original Medicare, there is no cap to how much you can spend out of pocket for things like office visits, hospital stays, and more. However, with Medicare Advantage, you will be protected from never having to spend more than $6,700 in any given year.
Compare New Hampshire Medicare Plans
Our agency can provide you with a free cost-comparison report showing the top 3 to 5 plans and carriers in your area. This allows you to see which companies offer the most cost-competitive rates.
If you are in your Medicare open enrollment period, we can also help you submit an application that requires no health underwriting. You are guaranteed to be accepted for coverage regardless of any prior health conditions.