What Are Medicare Supplement Insurance Plans in New Hampshire?

Copayments, coinsurance and deductibles are some of the coverage gaps for those enrolled in Medicare Parts A and B. If you’re a New Hampshire resident who is looking for coverage that can help with these types of expenses, a Medicare Supplement Insurance plan may be something to consider. Also called Medigap, these plans are provided by private insurance companies throughout New Hampshire.

In 2023, New Hampshire residents have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to newly eligible Medicare recipients, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

New Hampshire residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan to consider.

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Most Popular Medicare Supplement Insurance Plans in New Hampshire

Government-approved Medicare Supplement Insurance plans protect residents in most states, including New Hampshire. Throughout New Hampshire, the insurance companies that sell Medigap plans offer the same basic benefits, but the cost may vary depending upon where you live and the carrier. Each insurer in New Hampshire may not offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 99,057 New Hampshire beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of New Hampshire enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	720	414	1,215	502	396	36,485	28,368	132	197	8,222	535	379	140	20,714

Source: AHIP(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your New Hampshire Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in New Hampshire by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in New Hampshire.

New Hampshire residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the New Hampshire Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for New Hampshire Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

New Hampshire residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. New Hampshire residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a New Hampshire Medicare Supplement Insurance Plan Right for You?

SelectQuote is an independent third-party company that can help you make sure you’re receiving all the Medicare benefits available to you. Our licensed insurance agents can also help you stay current with annual updates to Medicare plans. As a trusted Medicare specialist, SelectQuote is here to help you find the right New Hampshire Medicare Supplement Insurance plan to meet your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.