Medicare plays a key role in providing health and financial security to beneficiaries residing in New Hampshire. With more than 304,700 New Hampshire beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in New Hampshire. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.

Who Qualifies for Medicare in New Hampshire?

Medicare covers most New Hampshire residents who are 65 or older, and it also covers disabled New Hampshire residents. In general, Medicare enrollment in New Hampshire works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.

Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.

Who Qualifies for Medicare

New Hampshire Medicare Enrollments

238,587

Original Medicare Plans
(Part A and B)

66,184

Medicare Advantage & Other Health Plans

161,267

Stand-alone Medicare
Part D (Drug plans)

304,771

Total Medicare Beneficiaries
in New Hampshire

New Hampshire Medicare Advantage Plans (Part C)

Only 19% of New Hampshire Medicare beneficiaries select Medicare Advantage plans.

Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.

The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in New Hampshire who are already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare instead.

As of 2020, 40 Medicare Advantage plans are available in New Hampshire. The average monthly Medicare Advantage premium changed from $41.88 in 2019 to $40.23 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in New Hampshire.

According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 66,184 beneficiaries enrolled in Medicare Advantage and other plans in New Hampshire. Only 19% of New Hampshire Medicare beneficiaries were enrolled in a private Medicare Advantage plan in 2019. 100% of people with Medicare have access to a Medicare Advantage plan.

Although New Hampshire’s enrollment is lower than the national average, it’s actually rapidly growing. In 2020, there were 57,296 New Hampshire residents with private Medicare coverage compared to fewer than 40,000 a year earlier.

New Hampshire Medicare Supplement (Medigap) Insurance Plans

New Hampshire guarantees access to Medigap plans to disabled enrollees.

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.

As of 2020, there are 19 insurers approved to offer Medigap plans in New Hampshire. All 19 of these Medigap insurers offer Plans A, F, G, and N.

Bipartisan legislation (SB646) passed New Hampshire’s Senate in 2020. The legislation would add to New Hampshire’s Medigap consumer protections, and if enacted, the bill would put New Hampshire among a handful of states that ensure some sort of ongoing access to Medigap plans without medical underwriting. The bill would require New Hampshire Medigap insurers to let a beneficiary switch to any of the insurer’s other Medigap plans during the month of the beneficiary’s birthday.

From there, Medigap insurers would be required to notify beneficiaries each year of their opportunity to change their coverage. Moreover, they would be required to allow the coverage change regardless of whether it would result in an increase or decrease in benefits. If passed, the bill would impact premiums and plan offerings. This same legislation would also prohibit Medigap insurers from charging higher premiums to enrollees under the age of 65.

New Hampshire Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.

As of 2020, There are 161,267 Medicare beneficiaries in New Hampshire enrolled in stand-alone Part D prescription drug plans and 50,216 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 26 stand-alone Part D plans available in New Hampshire, with premiums ranging from about $13 to $84 per month. About 21% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).

When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.

Local Medicare Health Plan Resources in New Hampshire

  • New Hampshire’s Bureau of Elderly and Adult Services (BEAS): BEAS provides a variety of social and long-term supports to adults age 60 and older and to adults between the ages of 18 and 60 who have a chronic illness or disability.
    Contact: Call 1-866-634-8412 to locate your nearest center or view a list of locations here.

  • New Hampshire Insurance Department provides a variety of resources and information about Medicare and Medicare Advantage, as well as long-term care insurance and other insurance plans that are applicable to senior citizens.
    Contact: Call 1-800-852-3416

  • New Hampshire Medication Bridge is sponsored by the Foundation for Healthy Communities and helps individuals who are not eligible for Medicaid pay for the cost of long-term prescription medications. In addition to providing prescription medication assistance, the Medication Bridge Program helps seniors and other individuals understand Medicare and Medicare Advantage benefits and other social assistance programs that might be suited to their needs.
    Contact: 603-225-0900

  • Office of Veterans Services: Veterans and their immediate family members can seek assistance with Medicare Advantage claims, appeals, and information about available plans by contacting their nearest Office of Veterans Services.
    Contact: Call 1-800-622-9230

  • The City of Concord Human Services department offers a variety of social services and supports, including Medicare and Medicaid assistance for low-income seniors and individuals throughout the city.
    Contact: Call 603-225-8575 or visit the Human Services office in person at 28 Commercial St. in Concord.

  • The Loaves and Fishes Ministry is a social assistance program that helps low-income families and individuals with short-term financial needs. This program principally serves residents in the communities of Andover, Salisbury, Bradford, Springfield, Danbury, Sunapee, Elkins, Sutton, New London, Warner, Newbury, and Wilmot.
    Contact: Call 1-800-978-6395

The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of New Hampshire. Our process makes it easier for you to access your Medicare eligibility in New Hampshire so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 327‑0148 anytime to get a free quote or to ask any questions.

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