Medicare in New Hampshire
This article was updated on: 09/16/2018
Are you shopping for a Medicare plan in New Hampshire? Medicare.com can be your resource. We offer the complimentary use of our plan comparison tool that can help you find Medicare options that may work best for you.
About Medicare in New Hampshire
New Hampshire residents who are eligible for Medicare can receive their Medicare Part A and Part B benefits through the federal arm of the program (Original Medicare), or they can instead join a private Medicare Advantage (Medicare Part C) plan.
Types of Medicare coverage in New Hampshire
Original Medicare, Part A and Part B, includes inpatient hospital care (Medicare Part A) and doctor/physician services (Medicare Part B).
Medicare Advantage plans, Part C, are offered by private insurance companies. When joining a Medicare Advantage plan, it is recommended that you explore all available options so you can find the one that works best with your needs.
Medicare Part D Prescription Drug Plans offer prescription drug coverage through private insurance plans. Drug plan details and costs may vary by location and provider.
Medicare Supplement insurance, also called Medigap, are plans offered by private insurance companies. These plans give New Hampshire residents who are enrolled in Medicare Part A and Part B the option to cover health care costs that Original Medicare does not cover, including deductibles, copayments, coinsurance, and other out-of-pocket costs. There are 10 standardized Medigap plans available in most states, with each plan type designed by a letter (for example, Plan F). Benefits are the same across each plan letter, but costs may differ by insurance company.
Local resources for Medicare in New Hampshire
Medicare Savings Programs in New Hampshire: These programs allow low-income Medicare beneficiaries in New Hampshire to potentially receive discounts on out-of-pocket medical costs, such as Medicare premiums, copayments, coinsurance and deductibles. Most programs only accept beneficiaries with limited incomes, but the only way to know for certain if you qualify is to apply. Contact your state Medicaid department for more information on eligibility at Medicaid.gov.
New Hampshire State Health Insurance Counseling and Assistance Program (SHIP): A grant from the Centers for Medicare and Medicaid Services supports ServiceLink resource centers in New Hampshire. These centers have trained Medicare specialists in every county to provide complimentary and unbiased Medicare counseling, and can assist beneficiaries with applying for Medicare Savings Programs.
How to apply for Medicare in New Hampshire
Applying for Medicare in New Hampshire is the same process as any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Residents are enrolled automatically at age 65 if they already receive Social Security or Railroad Retirement Board benefits. Disabled residents are automatically enrolled before age 65 if they receive Social Security disability benefits (or certain RRB disability benefits) for 24 months or have Lou Gehrig’s Disease (also known as ALS). You can also qualify if you have end-stage renal disease (ESRD), but you’ll need to manually apply for Medicare benefits.
If you have to enroll manually, it can be done through the Social Security office (either in person, online, or over the phone).
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Failure to enroll in Medicare when you are first eligible may result in a financial penalty for late enrollment if you then decide to join the program later on.
Are you looking to learn more about how private Medicare insurance plans work? I can give you more information to make the decision process much easier for you. There are several ways you can get started:
- Click the “View profile” link below if you’d like to to learn more about my background.
- To get some personalized Medicare plan options to review, use the links below; feel free to schedule a phone call with me or have me email you information.
- If you’d like to compare Medicare plans on your own to start, simply scroll up and use the Compare Plans button on this page.