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Medicare in New Hampshire
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Finding Medicare Plans in New Hampshire

New Hampshire offers a variety of Medicare options, but sorting through them to find the right coverage can be overwhelming. We don’t think it should be. We’ve provided a guide to help you navigate the Medicare plans available in New Hampshire to find the right plan for you.

What Is Medicare and What Does It Cover?

Medicare is a federal health insurance program that covers certain health care expenses. It is available to people 65 or older and people under the age of 65 with a qualifying disability or illness. Medicare doesn’t cover everything and isn’t intended to pay for 100% of your medical expenses. Medicare beneficiaries typically still pay a portion of medical bills through coinsurance, copayments and deductibles.

To see what’s covered, first we’ll look at the four parts of Medicare:

Original Medicare Part A and Part B

Original Medicare is the government sponsored component of Medicare and has two parts:

Part A (Hospital Insurance) covers inpatient services, like hospital care, skilled nursing facility care, hospice care, and nursing home care (as long as custodial care isn’t the only care needed).

Part B (Medical Insurance) covers outpatient health care needed to treat your medical condition. Services and supplies covered by Part B include mental health care, ambulance services, and durable medical equipment (e.g., canes, blood sugar monitors, and walkers). Part B also covers some services that prevent illnesses or detect them at an early stage, like flu shots, cardiovascular screenings, and diabetes screenings.

Services generally not covered by Original Medicare include:

  • Long term care (custodial care)
  • Most outpatient prescription drugs
  • Hearing aids
  • Eye exams and eyeglasses
  • Most dental care and dentures
  • Routine foot care
  • Cosmetic surgery
  • Acupuncture

For this reason, Medicare Advantage plans are available in New Hampshire, to ensure that you have options and find the right coverage for your needs.

Medicare Advantage Plans (Part C)

If you are currently enrolled in Original Medicare, Part A and Part B, you can choose to enroll in Medicare Part C, more commonly referred to as Medicare Advantage. Medicare Advantage plans are available through private health insurance companies approved by Medicare. These plans provide and coordinate Medicare Part A and Part B benefits (hospital and medical) for beneficiaries and must provide the same coverage as Original Medicare Part A Part B (except for hospice, which continues to be covered by Part A). The difference between Original Medicare and a Medicare Advantage plan is the amount you pay out of your own pocket when you receive health care and the type of coverage you receive. Some Medicare Advantage plans include vision, dental, and/or wellness programs. Many Medicare Advantage plans also include prescription drug coverage; those plans are called Medicare Advantage Prescription Drug plans (MAPD).

If enrolled, you’ll continue to pay your Part B premium in addition to the premium charged by the plan. New Hampshire offers a wide variety of Medicare Advantage plans with varying degrees of coverage.

Learn more about Medicare Advantage plans »

Medicare Prescription Drug Plans (Part D)

Medications can be an expensive part of treatment. Medicare Prescription Drug plans, often referred to as Part D, are available to provide coverage for prescription drugs. These plans are provided and coordinated by private insurance companies contracted with Medicare to provide coverage for prescription medications, which generally are not covered by Original Medicare or Medigap plans. Any beneficiary can sign-up for Medicare Part D as long as they are eligible for Original Medicare Part A and/or Part B and permanently reside in the service area of a Medicare Prescription Drug Plan. Part D coverage is optional, but if you don’t enroll in a Medicare Prescription Drug plan as soon as you’re eligible, you might pay a late-enrollment penalty if you enroll later.

Part D coverage is available as a stand-alone Medicare Prescription Drug Plan or with a Medicare Advantage plan. A stand alone plan works alongside your Original Medicare coverage. Medicare Advantage plans can include prescription drug coverage, also known as a Medicare Advantage Prescription Drug Plan.

Monthly plan premiums and out-of-pocket expenses for prescription drugs will vary from plan to plan. Every Medicare Prescription Drug plan provides a drug formulary for your reference, allowing you to pick the plan with the lowest cost for your prescription needs.

Learn more about Medicare Prescription Drug plans »

Medicare Supplement Plans (Medigap)

As mentioned earlier, Medicare beneficiaries are still responsible for paying a portion of their medical bills. This is where Medicare Supplement plans, also called Medigap plans, come in. Many people staying on Original Medicare Part A and Part B may also enroll in a Medigap plan to fill in the coverage gaps. These plans are available through Medicare-approved private insurance companies and work alongside Original Medicare to pay for things that it doesn’t cover, like coinsurance, copayments, and deductibles. If you’re planning to stay with Original Medicare, Medigap plans can be a safeguard against high out-of-pocket expenses.

Learn more about Medicare Supplement plans »

Am I Eligible for Medicare Plans in New Hampshire?

You must be eligible for Social Security benefits to qualify for Medicare. Most people first become Medicare eligible when they reach 65 years of age.

If you’re 65 or older, you can qualify for Medicare if:

  • You’re a citizen or permanent resident (having lived in the US for at least 5 years), and
  • You or your spouse have worked for 10 years at a job that paid towards your Medicare through Social Security deductions.

If you’re under 65 you can qualify for Medicare if you:

  • Have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD), or
  • Have been receiving Social Security Disability Insurance (SSDI) for 24 months.

We can help if you’re unsure about your eligibility for Medicare plans in New Hampshire or will be turning 65 within the next six months. View plans in your area online or talk to a licensed insurance agent by calling the number above.

When Can I Enroll in A Medicare Plan?

Medicare Advantage and Prescription Drug Plans

Your first opportunity to enroll in Medicare is during your Initial Enrollment Period (IEP). Your IEP is a seven-month period, starting three months before your 65th birthday month. After your IEP, you can make changes to your coverage or enroll in a new plan during the Annual Election Period (AEP). The AEP occurs from October 15th to December 7th every year.

Medicare Initial Enrollment Period

Key Fact: The General Enrollment Period provides you an opportunity to enroll in Original Medicare if you missed your IEP. This period occurs every year from January 1st to March 31st. Then, you’ll have an opportunity to select a Medicare Advantage Plan from April 1st through June 30th.

Medicare Supplement Plans

To ensure that you get the plan of your choice, be sure to enroll during your Initial Enrollment Period. For Medigap, your IEP is six months long from the start of your 65th birthday month.

Important Note: You could be charged higher premiums or be denied coverage entirely if you don’t enroll in a Medigap plan during your IEP.

Special Enrollment Periods

A Special Enrollment Period (SEP) may be granted to those who’ve experienced certain qualifying life events. Special Enrollment Periods allows you to enroll or make changes to your coverage outside of the normal enrollment periods. Qualifying life events include moving out of the plan’s service area, moving into or out of a care facility, and more. Our licensed insurance agents can help determine whether you qualify for a Special Enrollment Period.

How Do I Select a Medicare Plan?

We’ll help you navigate the Medicare plans offered in New Hampshire to find the right level of coverage for you. Give us a call to speak to a licensed insurance agent. You can also compare plans online by using our form below.

Additional Medicare Resources in New Hampshire

ServiceLink is a program of the New Hampshire Department of Health and Human services that provides individuals with access to services and assistance with their health insurance.

The Medicare Beneficiaries Savings Program provides financial assistance to eligible low-income seniors or disabled individuals. The program can help pay for certain medical expenses, such as premiums and deductibles.

Sources: Medicare.gov; www.servicelink.nh.gov; www.dhhs.nh.gov

Find affordable Medicare plans in your area.
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Disclaimers: Outside of the Medicare Annual Enrollment Period, members can enroll in a plan only if they meet certain criteria. A licensed insurance agent can help you determine whether you are eligible. Plan availability varies by region and state. Callers will be directed to a licensed insurance agent with a third-party partner of Medicarematchup.com who can provide more information about Medicare Advantage plans offered by one or several Medicare-contracted carrier(s). Enrollment in any plan depends on contract renewal. Medicare has neither reviewed nor endorsed the information contained in this advertisement. Not connected with, or endorsed by, the U.S. government or the federal Medicare program. This information is not a complete description of benefits. For a complete listing of Medicare plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult www.medicare.gov.