Medicare Plan Options
Original Medicare only covers inpatient services, preventive services, and medically necessary services, but you can supplement your Part A and Part B coverage with Medicare Part D and/or a Medicare Supplement Insurance Plan. Another option is to choose a plan from New Hampshire’s Medicare Advantage program. All plans in the program provide at least the same level of coverage as Original Medicare, but also include prescription coverage and may cover things like routine dental care and vision care. offers seniors
Part A pays for home health care and services provided while you’re in a hospital or other inpatient facility. For example, Part A covers your stay in a semi-private hospital room, general nursing care, and any X-rays you have while you’re an inpatient. Part B covers two types of outpatient services: medically necessary services and preventive services. Medically necessary services are the services needed to make a diagnosis or treat a medical condition. Preventive services are used to prevent disease or diagnose a disease as early as possible. If you have Original Medicare, you must pay a deductible and coinsurance for most services.
Medicare Advantage Plans
New Hampshire’s Medicare Advantage program, also known as Medicare Part C, offers four types of coverage: HMO plans, PPO plans, special-needs plans, and private fee-for-service plans. These plans have different requirements regarding primary care providers and in-network services. HMO plans are the most restrictive, while PPO plans and PFFS plans offer more flexibility. Special-needs plans are limited to beneficiaries with certain health conditions or risk factors for disease. Medicare Advantage Plans include prescription coverage and may also cover things like transportation to medical appointments, dental cleanings, and eye exams for glasses or contact lenses.
Medicare Prescription Drug Coverage Plans
Original Medicare only covers prescriptions under limited circumstances, such as when you have IV medication in a hospital or get a vaccine administered in a doctor’s office. If you need medication to manage a chronic illness or treat an acute medical condition on an outpatient basis, your Original Medicare plan won’t cover it. Medicare Part D supplements Original Medicare by covering a wide variety of prescription drugs. If you decide to buy a Part D supplement, you’ll pay a monthly premium and a copay for each drug. You may also need to pay an annual deductible, but it depends on the terms of your plan.
Medicare Supplement Insurance Plans
Some New Hampshire residents purchase Medicare Supplement Insurance, commonly referred to as Medigap, to reduce their out-of-pocket health care costs. Medicare Supplement Insurance is only available to beneficiaries with Original Medicare, so you can’t sign up for it if you choose to enroll in Medicare Advantage. If you enroll in a Medicare Supplement Insurance Plan, you’ll pay a monthly premium in addition to the premium you pay for your Original Medicare coverage. Medigap covers things like Medicare deductibles, coinsurance, and copays. Your Medigap plan may even cover the cost of medical services received while you’re traveling outside the United States.
Medicare in New Hampshire by the Numbers
|People enrolled in Original Medicare||Average plan cost||Annual state spending per beneficiary||Spending per beneficiary compared to the national average|
|239,806||Plan A: $0 to $471 per month*
Plan B: $148.50 per month**
*Most people pay no premium, but this can vary depending on how long they paid Medicare taxes.
**This is the average number, but it can vary based on income.
Medicare Resources in New Hampshire
Because New Hampshire residents have several Medicare options, it’s not always easy to determine which one you should choose. You want a plan that fits your budget, covers as many services as possible, and minimizes your out-of-pocket costs. If you’re not sure which plan to choose, consult one of the following resources. These organizations offer information and support to make it easier to choose the right Medicare plan for your needs.
ServiceLink is the organization that serves as the State Health Insurance Assistance Program for New Hampshire. Trained SHIP counselors provide free, confidential counseling to help Medicare-eligible individuals compare insurance plans. If you aren’t sure whether to enroll in Original Medicare or a Medicare Advantage Plan, a ServiceLink counselor can help. Counselors can also look at your budget and advise you on whether you should purchase Part D drug coverage or a Medigap supplement to reduce your out-of-pocket costs. Once you’re signed up for Medicare, ServiceLink counselors can explain why a claim was denied or whether you should switch from Original Medicare to Medicare Advantage.
Contact Information: Website | 866-634-9412
New Hampshire Department of Health and Human Services
The New Hampshire Department of Health and Human Services offers various support services for older adults living within the state. For example, the agency administers the Medicare Beneficiaries Savings Program, which helps low-income Medicare beneficiaries cover their premiums, deductibles, and other out-of-pocket costs. Even if you don’t meet the eligibility requirements to have all of your costs covered, you may be able to get help with your Part B premiums. If you’re married, your spouse’s income and financial resources will be considered when determining your eligibility.
Contact Information: Website | 844-ASK-DHHS (3447)
New Hampshire Insurance Department
The New Hampshire Insurance Department regulates insurance companies operating within the state, making it a helpful resource if you have Medicare Advantage or need to purchase a Medicare supplement. Once you’re enrolled in a Medicare plan offered by a private insurer, you can also file a complaint with the NHID if you believe that the company is engaging in fraudulent practices or failing to follow through on the terms of your plan.
Contact Information: Website | 603-271-2261
Learn More From Our Sources
- Medicare | Medicare Costs at a Glance | Last accessed June 2021
- Medicare | What Part A Covers | Last accessed June 2021
- Medicare | What Part B Covers | Last accessed June 2021
- Medicare | Understanding Medicare Advantage Plans | Last accessed June 2021
- Medicare | Your Guide to Prescription Drug Coverage | Last accessed June 2021
- Medicare | What’s Medicare Supplement Insurance (Medigap)? | Last accessed June 2021