by Russell Noga | Updated October 3rd, 2024
Medicare Parts A & B help seniors living in New Hampshire cope with their annual healthcare costs. You get coverage for medical and hospital expenses, but these plans don’t cover everything.
Parts A & B only cover 80% of these expenses, leaving you with the balance to settle out-of-pocket.
As a result, you could end up with a huge bill after an extended stay in the hospital. Medigap plans take care of this additional expense, leaving you with no out-of-pocket expenses for your treatments and care.
These policies come in a range of ten plans, each offering varying levels of coverage. Of the ten plans, G, F, & N are the most popular with seniors due to the good level of coverage you receive in return for an affordable monthly payment.
This article looks at the best Medicare supplement plans for 2025 New Hampshire has to offer. We’ll unpack the top providers and the best rates on Plans F, G, &N.
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Providers for Medicare Supplement Plan G New Hampshire
14 insurers offer Plan G in New Hampshire, with average market pricing being $197.40 per month across all firms.
Here are the top-rated insurers for your Plan G policy, with average rates based on a 65-year-old female nonsmoker.
- Anthem: $159
- Harvard Pilgrim: $160
- Anthem: $163
- Cigna: $176
What Does Plan G Cover?
Plan G offers near-comprehensive coverage for all Part A & B out-of-pocket expenses. The only thing it doesn’t cover that Plan F does is the Part B deductible.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
Providers for Medicare Supplement Plan F New Hampshire
14 companies offer Plan F in New Hampshire, with average market premiums being $250.10 per month.
Cigna has the best deal on Plan F, with monthly premiums of $165.60. Anthem is the most expensive option, with monthly premiums of $310.90.
You can save $145.30 monthly by going with Cigna over Anthem for your Plan F policy.
Here are the average rates for the best providers, based on a 65-year-old female nonsmoker.
- Cigna: $166
- Harvard Pilgrim: $306
- Anthem: $311
What Does Plan F Cover?
You get comprehensive coverage for Parts A & B expenses with Plan F.
However, you need to be eligible for Medicare before January 1, 2020, for this policy. If not, you’ll also have to go with Plan G. Plan F covers the Part B deductible.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
Providers for Medicare Supplement Plan N New Hampshire
14 insurers offer Plan N in New Hampshire. The market average premium across all companies is $179.10 per month.
Cigna is the most affordable company, with monthly premiums of $126.60. Anthem has the most expensive offering, charging $165.70 per month.
So, you can save $39.10 monthly going with Cigna over Anthem.
Here are the average rates for Plan N policies for a 65-year-old nonsmoking female.
- Cigna: $127
- Harvard Pilgrim: $165
- Anthem: $166
What Does Plan N Cover?
Plans N requires copayments at the doctor’s office and emergency room. You’ll need to pay $20 and $50, respectively, when accessing these services.
The $50 copayment at the emergency room is waived if you’re admitted to the hospital for inpatient care.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover Part B excess charges involved with seeing practitioners charging above Medicare Assignment rates. It also doesn’t cover the Part B excess charge.
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What Do Plans F, G, & N Not Cover?
All Medigap plans don’t cover the costs of preventative treatments like Chiropractic, physiotherapy, and acupuncture.
They also don’t cover private-duty nursing or stays at non-skilled nursing homes. You also don’t get any coverage for your prescriptions.
Medigap doesn’t cover vision, gearing, and dental services. However, some providers offer discounts on these services as perks if you take a plan.
Other insurers might offer additional packages covering these expenses for a small monthly fee.
What are the Best Alternate Medicare Supplement Plans in New Hampshire?
Plans F, G, & N offer you the most comprehensive coverage, which is why they’re so popular. However, you have options for other plans with varying levels of coverage and cheaper premiums.
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Frequently Asked Questions
What are the top-rated Medicare Supplement plans available in New Hampshire for 2025?
The best Medicare Supplement plans in New Hampshire for 2025 include Plan F, Plan G, and Plan N.
What does Medicare Supplement Plan F cover in New Hampshire for 2025?
Medicare Supplement Plan F in New Hampshire for 2025 covers deductibles, copayments, and coinsurance associated with Medicare Part A and B. It also covers excess charges and provides coverage for skilled nursing facility care.
What are the benefits of Medicare Supplement Plan G in New Hampshire for 2025?
Medicare Supplement Plan G in New Hampshire for 2025 offers similar coverage to Plan F, except it doesn’t cover the Medicare Part B deductible. It provides comprehensive coverage for hospital stays, doctor visits, and other medical services.
How does Medicare Supplement Plan N work in New Hampshire for 2025?
Medicare Supplement Plan N in New Hampshire for 2025 covers most of the same benefits as Plan G but requires you to pay a small copayment for doctor’s office visits and emergency room visits. It offers cost-sharing features that can help reduce premium costs.
Are the rates for Medicare Supplement plans fixed in New Hampshire for 2025?
The rates for Medicare Supplement plans in New Hampshire for 2025 are determined by insurance companies. Rates may vary based on factors such as age, gender, and health status.
Can I switch Medicare Supplement plans in New Hampshire for 2025?
Yes, you can switch Medicare Supplement plans in New Hampshire for 2025. However, it is important to note that you may be subject to medical underwriting, which could affect your eligibility and premium rates.
Are there any enrollment periods for Medicare Supplement plans in New Hampshire for 2025?
Unlike Medicare Advantage or Part D plans, there are no specific enrollment periods for Medicare Supplement plans in New Hampshire for 2025. You can generally apply for a Medicare Supplement plan at any time throughout the year.
Can I keep my Medicare Supplement plan if I move to a different state from New Hampshire in 2025?
Yes, you can generally keep your Medicare Supplement plan if you move to a different state from New Hampshire in 2025. However, it’s recommended to contact your insurance provider to ensure your coverage remains in effect and to check if there are any changes in premiums or plan options.
Are prescription drugs covered by Medicare Supplement plans in New Hampshire for 2025?
No, Medicare Supplement plans do not cover prescription drugs. You would need to enroll in a separate Medicare Part D prescription drug plan to get coverage for medications.
How can I find the best Medicare Supplement plan in New Hampshire for 2025?
To find the best Medicare Supplement plan in New Hampshire for 2025, it’s advisable to compare plans and rates from multiple insurance providers. You can consult with a licensed insurance agent or use online resources to gather information and make an informed decision based on your specific needs and budget.
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.