Medicare plans in New Hampshire provide healthcare coverage to older adults as well as those with certain health conditions or disabilities in the state. As of 2018, 290,178 people, or 21.4 percent of state residents, accessed healthcare coverage through Medicare plans in New Hampshire.
As you compare coverage options and decide on the coverage level you need, carefully consider all your options for Medicare Hew Hampshire.
Before selecting a Medicare plan, make sure you fully understand your options. Medicare plans in New Hampshire offer several levels of coverage to suit your healthcare needs and your budget.
Original Medicare, the federal health insurance program, is broken into two Parts: Part A and Part B. Original Medicare New Hampshire offers coverage for all basic hospital and medical care, including:
- inpatient and outpatient hospital care
- limited home healthcare
- doctor’s appointments
- diagnostic screenings
- medical equipment, such as a wheelchair
- hospice care
- ambulance services
Prescription Drug coverage, or Part D, is often added to original Medicare since prescription medications aren’t covered by original Medicare New Hampshire. Part D plans cover a set list of prescriptions, so when comparing Part D plans, it’s important to check if your medications are on that list.
Medicare Advantage plans (Part C) in New Hampshire receive approval from Medicare, but the plans are offered by private health insurance carriers. Advantage plans have a wide range of premiums and covered healthcare services. All Medicare Advantage plans in New Hampshire provide:
- hospital and medical coverage offered by original Medicare
- drug coverage
In addition, many Advantage plans offer additional coverage, which may include:
Private insurance providers offer a range of Medicare Advantage plans in New Hampshire. As you compare plans, remember that each Advantage plan has unique coverage and varying premium rates. These are the carriers of Medicare Advantage plans in New Hampshire:
- Anthem Blue Cross and Blue Shield
- Harvard Blue Cross and Blue Shield of New England, Inc.
- Lasso Healthcare
- Martin’s Point Generation Advantage
As you research these carriers, use your ZIP code to narrow your search. Not all carriers operate in every county and some plans won’t be available in your area.
Use the find a Medicare plan tool to search for plans in your county.
If you are aged 65 or older, you are eligible for Medicare New Hampshire. If you paid Medicare taxes during your career and qualify for Social Security benefits, you’ll receive Part A with no premiums. You need to meet the following requirements for eligibility:
- you are age 65 or older
- you are a U.S resident or citizen
To enroll in an Advantage plan, you must be currently enrolled in original Medicare parts A and B.
Adults under age 65 may also be eligible for Medicare plans in New Hampshire. If you have a disability and you have been receiving disability benefits for Social Security or have a chronic illness such as end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), you will qualify for Medicare.
You have a few opportunities to enroll in Medicare each year.
Initial enrollment period (IEP)
As you approach your 65th birthday, you have your first chance to enroll in Medicare. This period starts 3 months before your birthday, and ends 3 months after your birthday, so you’ll have time to learn about Medicare New Hampshire.
During this period, enroll in Part A if you aren’t enrolled automatically enrolled, and decide if you want to add Part B or Part D coverage. If you enroll before your birthday, all coverage will begin on your birthday. If you enroll in the months after your birthday, coverage may be delayed by 2 or 3 months.
You will have two opportunities per year to reevaluate your coverage, add a prescription drug plan, enroll in an Advantage plan, or even switch between Medicare Advantage plans in New Hampshire.
General enrollment period
This period is from January 1 to March 31 of each year. You can enroll in parts A and B during this time.
Open enrollment period
This period is from October 15 to December 7 of each year. The Open Enrollment Period allows anyone with original Medicare to enroll in an Advantage plan, or for Advantage plan members to return to an original Medicare plan in New Hampshire.
There are some circumstances that allow you to apply for a special enrollment period where you can enroll in Medicare or switch coverage at another time of the year. Special enrollment will be granted if you:
- move out of the coverage area of your current plan
- have recently lost healthcare coverage provided by your employer
- have a disability or chronic illness
- move into a nursing home
When comparing plans and evaluating your coverage needs, do as much research as you can to find a plan that fits your needs and budget.
- Research Medicare New Hampshire plans that are available in your area. Start your search by using your zip code to see which plans are available.
- Talk to your doctor’s office about recommended plans. Advantage plan providers have a list of network approved physicians and labs, so only research plans that will cover your preferred providers.
- Write a complete list of all your medications. You can compare this list with drug coverage offered by Part D and Advantage plans in your area to find adequate drug coverage that will help you lower your out-of-pocket prescription costs.
- Look at the CMS star ratings for each plan. This is a ranking system where plans with a 5-star rating provide exceptional service to beneficiaries in your area.
As you evaluate your plan options, reach out to these state agencies for more help.
- New Hampshire Insurance Department (800-852-3416). If you have questions about Medicare, want assistance, or need to report insurance fraud, you can call the Insurance Department.
- New Hampshire Health Cost (603-271-2261). Compare healthcare costs and quality of care, and learn more about health insurance.
- New Hampshire Department of Health and Human Services, ServiceLink (1-866-634-9412). This program will provide information on services and supports, assist in accessing Medicare, provide State Health Insurance Assistance Program (SHIP) assistance, and supply additional resources and counseling.
As you approach your 65th birthday, research Medicare plans in New Hampshire to find the plan that is right for you. Your next steps include:
- calculating when your initial enrollment period will begin
- evaluating your coverage needs as well as your budget
- calling carriers directly to ask any follow-up questions you may have as you research Medicare plans in New Hampshire
This article was updated on November 20, 2020, to reflect 2021 Medicare information.
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