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 you compare coverage options and decide on the coverage level you need, carefully consider all your options for Medicare Hew Hampshire.
The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in New Hampshire for the 2022 plan year:
- A total of 315,070 residents of New Hampshire are enrolled in Medicare.
- The average Medicare Advantage monthly premium slightly decreased in New Hampshire compared to last year — from $23.10 in 2021 to $21.02 in 2022.
- There are 44 Medicare Advantage plans available in New Hampshire for 2022, compared to 39 plans in 2021.
- All New Hampshire residents with Medicare have access to buy a Medicare Advantage plan, including plans with $0 premiums.
- There are 12 different Medigap plans offered in New Hampshire for 2022.
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
Medicare Advantage in New Hampshire
Medicare Advantage plans (Part C) in New Hampshire receive approval from Medicare, but the plans are offered by private health insurance carriers. These plans have a wide range of covered healthcare services.
In addition to the coverage you’d get with original Medicare, many Part C plans typically cover additional services, such as:
- dental care
- hearing screenings
- vision care
- fitness classes or other wellness programs
- transportation to medical appointments
Private insurance providers offer a range of Medicare Advantage plans in New Hampshire. As you compare plans, remember that each plan has unique coverage and varying premium rates.
These are some of the carriers that offer Medicare Advantage plans in New Hampshire in 2022:
- AARP – UnitedHealthcare
- Anthem Blue Cross and Blue Shield
- Lasso Healthcare
- Martin’s Point Generation Advantage
As you research plans in your area, enter your ZIP code to narrow your search. Plan offerings vary by location and some plans may not be available in your area.
Medicare supplement plans in New Hampshire
Original Medicare doesn’t pay for all healthcare costs. Depending on your needs, you may decide to get Medicare supplement insurance, also called Medigap. These policies can help you pay for deductibles, coinsurance, and copayments.
Many companies offer Medigap plans in New Hampshire. In 2022, some of the companies offering Medigap plans throughout the state include:
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
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.
When can I enroll in Medicare New Hampshire plans?
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.
You will have a few other opportunities per year to reevaluate your Medicare coverage:
- general enrollment (January 1 to March 31)
- open enrollment (October 15 to December 7)
- special enrollment when you have certain qualifying life changes
Tips for enrolling in Medicare in New Hampshire
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.
- More than 300,000 New Hampshire residents are enrolled in Medicare.
- There are several private insurance companies offering various types of Medicare Advantage and Medigap plans throughout the state.
- Overall, monthly premium costs have decreased for 2022 Medicare Advantage plans in New Hampshire.
- There are also several Medigap plan options if you live in New Hampshire and are looking for additional coverage.