by Stephen Donohue, Registered Health Underwriter and
NH Medicare Broker


Why Seniors in New Hampshire Prefer Medicare Supplement Plan G in 2025?

In 2025, Medicare Supplement Plan G remains the most popular choice among seniors in New Hampshire. Here's why:

1. Comprehensive Coverage Plan G offers extensive coverage, filling most of the gaps left by Original Medicare. This includes covering the Part A hospital deductible, Part B coinsurance, and excess charges.
2. Predictable Costs With Plan G, seniors enjoy predictable and manageable out-of-pocket costs. They only need to pay the Part B deductible, and the plan covers most other expenses, including excess charges.
3. No Network Restrictions Plan G allows seniors to see any doctor or specialist who accepts Medicare, providing flexibility and choice in their healthcare providers.
4. Stable Premiums While premiums can vary, Plan G often has more stable and predictable premiums compared to other plans, making it easier for seniors to budget their healthcare expenses.
5. Peace of Mind Knowing that most out-of-pocket costs are covered brings peace of mind, reducing the financial stress associated with medical bills.
6. Popularity and Trust Plan G is one of the most popular Medigap plans, and its widespread use instills confidence among seniors that they're making a good choice.
7. No Medical Underwriting (if chosen correctly)If seniors enroll in Plan G during their Medigap Open Enrollment Period, they can avoid medical underwriting, ensuring coverage regardless of health conditions.

Who are the Lowest Priced Medicare Supplement Plan G Insurers in New Hampshire for 2025?

For Females (Age 65):

• Anthem Blue Cross Blue Shield: $165.81
• United Healthcare: $169.50

For Males (Age 65):

• Anthem Blue Cross Blue Shield: $182.73
• United Healthcare: $190.25

For more detailed information about other plans, or rates for other ages you can refer to the 2025 New Hampshire’s Guide to Medicare Supplement Insurance, completed by the NH Insurance Department. (This guide was dated October 15, 2024. We will provide additional updates as the NH Medigap market changes.) 

If you want to learn more about NH Medicare Supplement Plans, including Plan G, call us today 603-882-2909 x3. You can also request a Medicare Supplement Quote Here.

by Stephen Donohue NH Medicare Supplement Agent                    GET NH MEDIGAP QUOTE NOW
UPDATED 10/17/2024

Choosing the Right NH Medicare Supplement Plan
In New Hampshire, you have a choice of about 20 insurers for NH Medicare Supplement plans (also known as Medigap). With this variety, how do you decide? We’ve conducted a comprehensive review of each insurer, including four years of rates for the most popular NH supplement: Plan G.
What Our NH Supplement Review Covers:

• Plan Offerings: We outline the plans available from each insurer.
• Carrier Financial Strength: Assessing the financial stability of the carriers.
• Added Benefits and Discounts: Exploring any additional perks or cost-saving opportunities.
• Rate Stability: We provide NH Supplement rates for 2024, 2023, 2022, and 2021, allowing you to assess rate consistency over time.

Standardized Plan Designs: In New Hampshire, Medicare Supplement Plans follow standardized designs. This means that regardless of which insurer you choose, the coverage for a specific plan remains consistent. For example, Plan G offers the same benefits regardless of the insurer you buy it from. You can find the standard 2024 NH Plan G Medicare Supplement benefit summary here.

Not All Medicare Supplemental Insurance Companies Are Equal: Costs can vary significantly from one insurer to another. Some NH Medicare insurers offer lower rates for women, while others provide discounts if a spouse or household member also enrolls. Below, we present our 2024 review of five leading NH Medigap insurers.

​Remember to consider factors like your age, location, gender, payment method, enrollment date, and tobacco use when evaluating costs. On average, monthly premiums for New Hampshire Medicare Supplement plans range from $100 to $195.

For a more detailed analysis, see our review below or visit the New Hampshire Insurance Department’s Medicare Supplement interactive dashboard. Let our NH Medicare review help you make an informed choice for your NH Medicare Supplement plan!

1. Anthem Blue Cross Blue Shield of NH Medicare Supplement Plan Review

Anthem, the largest health insurance company in New Hampshire, has been serving the state for over 90 years. Their offerings include health insurance for individuals, small and large employer groups, as well as Medicare Supplement, Medicare Advantage, and Medicare Part D Plans.
Medicare Supplement Plans (Medigap)Medicare Supplement plans from Anthem help cover healthcare costs that Original Medicare (Parts A and B) doesn’t cover, ensuring that you and your budget stay healthy. Here are the key details:

1. Flexibility and Peace of Mind: Original Medicare provides essential healthcare coverage, but it can leave you with high out-of-pocket costs. A Medicare Supplement plan can help cover most of these costs, including copays, coinsurance, and deductibles. Plus, these plans offer flexibility—you can see any doctor or hospital in the U.S. that accepts Medicare patients, and your plan goes with you even if you spend part of the year in a different location.
2. Valuable Extras: Anthem’s Medicare Supplement plans come with extra perks and programs, such as:
   • SilverSneakers® Fitness Membership: Access to 17,000 fitness facilities across the U.S.
   • ScriptSave/WellRx Prescription Savings Program
   • Special Offers Discounts on vitamins and weight loss programs.
3. Types of Medicare Supplement Plans Offered by Anthem:
   • Plan A: The most basic plan, covering essential benefits and some of the highest costs of Original Medicare, including Part A inpatient hospital copayments and coinsurance, Part B coinsurance, hospice care, and preventive care.
   • Plan F: Broadest coverage for out-of-pocket costs, including Medicare deductibles, copayments, and coinsurance. Available only to those eligible for Medicare before January 1, 2020.
   • Plan G: Popular for its comprehensive coverage, paying for out-of-pocket costs that Original Medicare doesn’t cover (except the Medicare Part B deductible).
   • Plan N: Offers a lower premium with some copays and a small annual deductible.
4. Rates for Plan G (Age 65):
   • 2021: Female - $139.36/month, Male - $153.48/month (rates include a $2 EFT discount)
   • 2022: Female - $145.72/month, Male - $160.48/month (rates include a $2 EFT discount)
   • 2023: Female - $145.72/month, Male - $160.48/month (rates include a $2 EFT discount)
   • 2024: Female - $152.96/month, Male - $168.44/month (rates include a $2 EFT discount)
   • 2025 Female  $163.81/month Male- 180.37/month (rates include a $2 EFT discount)

Anthem offers a 5% household discount for their NH Medigap Plans- meaning your costs are lower if you live with someone else who is enrolled on a NH Anthem Medicare Supplement plan. Anthem also has a  $2 EFT/ACH Monthly Discount and an annual $48 Pay in Full discount.    

1. Additional Benefits: Anthem’s NH Medicare Supplement plan includes the SILVER SNEAKERS PROGRAM, providing access to fitness facilities nationwide. In March 2024, Anthem Blue Cross and Blue Shield in New Hampshire was voted the Best Health Insurance Provider for the seventh consecutive year by NH Business Review.
2. Payment Methods: Anthem offers various payment methods, including the traditional monthly paper bill preferred by many seniors.
3. ​Carrier Financial Strength: AM Best Rating A (Excellent)            S&P Rating A+
4. Anthem has several strengths including​

• Anthem is the LARGEST health insurer in NH- AND ALSO- The Largest Medicare Supplement Insurer in NH.
• Elevance Health, formerly known as Anthem, was named one of Fortune's 100 Best Companies to Work For in 2024 (4 years in a row!)
• Anthem has a record of STABLE rates with some years NO increase in premiums, and when premiums do increase the increase is modest.

For personalized assistance, you can call Stephen Donohue at 1-888-882-2909  Monday to Friday, 8 a.m. to 8 p.m.

Aetna Health & Life Insurance Company NH Medicare Supplement Review
Aetna, a trusted name in the insurance industry, boasts over 30 years of experience in the Medicare Supplement market. With a strong track record of customer service and competitive rates, Aetna serves more than 36 million people nationwide across various insurance offerings. Let’s delve into the specifics of Aetna’s Medicare plans in New Hampshire:
Medicare Supplement Plans (Medigap)Aetna offers a range of Medigap plans to complement Original Medicare (Parts A and B). These plans help cover the gaps in your healthcare expenses, providing peace of mind and financial protection. Here are the key details:

1. Plan Options: Aetna provides the following Medigap plans in New Hampshire:
   • Plan A: Basic coverage for essential benefits.
   • Plan B: Similar to Plan A, with additional coverage.
   • Plan F: Comprehensive coverage, including deductibles, copayments, and coinsurance (available only to those eligible for Medicare before January 1, 2020).
   • High Deductible F
   • Plan G: Popular for its robust coverage, excluding the Medicare Part B deductible.
   • Plan N: Offers lower premiums with some copays and a small annual deductible.
2. Financial Strength:
   • AM Best Rating: A (Excellent)
   • S&P Rating: BBB+
3. Rates for Plan G (Age 65):
   • 2021:  Female: $146.33/month    Male: $168.43/month
   • 2022:  Female: $158.19/month    Male: $181.93/month
   • 2023:  Female: $170.85/month    Male: $196.50/month
   • 2024:  Female: $186.26/month    Male: $214.16/month
   • 2025:  not yet available as of oct 2024
4. Discounts Offered:
   • Aetna provides a 7% Household Discount in New Hampshire.
   • ACCENDO, a division of Aetna, offers a 15% household discount (for more information, call us!).
5. Other Notes:
   • Aetna is one of the few NH Medigap insurers that charge a $20 application fee.

For personalized assistance or to apply for Aetna NH Medicare plans, please contact Steve Donohue at 603-882-2909.

Harvard Pilgrim Healthcare NH Medicare Supplement Review
Harvard Pilgrim Healthcare, operating under the name HPHC Insurance Company in New Hampshire, is a regional insurer with a strong presence in NH, MA, ME, and CT. Similar to Anthem, Harvard Pilgrim Healthcare provides health insurance options for individuals, small and large employer groups, as well as Medicare Supplement and Medicare Advantage Plans.

With over 35 years of experience serving Medicare beneficiaries, Harvard Pilgrim offers reliable coverage and a range of plan options. Medicare Supplement Plans (Medigap)Harvard Pilgrim offers several Medigap plans to compliment Original Medicare. These plans help cover the gaps left by Medicare, ensuring you have comprehensive coverage. Here are the key details:

1. Plan Options:
   • Plan A: Basic coverage for essential benefits.
   • Plan F: Comprehensive coverage, including deductibles, copayments, and coinsurance (available only to those eligible for Medicare before January 1, 2020).
   • Plan G: Popular for its robust coverage, excluding the Medicare Part B deductible $240 in 2024.
   • Plan M: Offers moderate coverage.
   • Plan N: has  some copays and a small annual deductible $240.
2. Rates for Plan G (Age 65):
   • 2021: $155/month (same rate for both males and females)
   • 2022: $160/month (same rate for both males and females)
   • 2023: $174/month (same rate for both males and females)
   • 2024: $196/month (same rate for both males and females)
   • 2025: $201/month (same rate for both males and females)
3. Discounts: Harvard Pilgrim Healthcare offers a variety of discounts and rewards including:
   • Fitness Club Reimbursement
   • 35% off eyeglasses

For more information or to apply for Harvard Pilgrim NH Medicare plans, please contact Stephen Donohue at 603-882-2909.

NH CIGNA Medicare Supplement Review
CIGNA, a well-known health insurance provider, offers Medicare Supplement plans in New Hampshire under the name CIGNA or  Loyal American Life Insurance Company. Here are the key details:
Medicare Supplement Plans (Medigap)

1. CIGNA provides the following Medigap plans in NH:
   • Plan N: Offers lower premiums with some copays and a small annual deductible. (Note: Plan F is also available for those who still qualify.)
   • Plan G: Comprehensive coverage, excluding the Medicare Part B deductible.
   • Plan A: Basic coverage for essential benefits.
2. Rates for Plan G (Age 65):
   • 2021:  Female: $166.78/month    Male: $185.13/month
   • 2022:  Female: $166.78/month    Male: $185.13/month
   • 2023:  Female: $166.78/month    Male: $185.13/month
   • 2024:  Female: $178/month         Male: $198/month
   • 2025: as of October 2024 not yet available
3. Financial Strength:
   • AM Best Rating: A (Excellent)
   • S&P Rating: A
4. Years in NH Medicare Market: 10 years
5. Discounts:

• CIGNA offers up to a 6% household discount.
• Explore CIGNA’s Healthy Rewards program for savings on vitamins, vision and hearing care, health clubs, alternative medicine, weight management, and more.

UnitedHealthcare® Medicare Supplement Plans in New Hampshire: A Comprehensive Review
UnitedHealthcare® is a leading provider of Medicare Supplement (Medigap) plans across the United States. In New Hampshire (NH), they serve as the exclusive provider of Medicare Supplement plans. Here’s what you need to know about their offerings:

1. Plan Options UnitedHealthcare® offers a variety of Medigap plans in NH, including:
   Medigap Plans A, B, K, L, G, and N: These plans cover different gaps in Original Medicare, such as deductibles, coinsurance, and copayments. Plan F is also available for eligible individuals.
2. Financial Strength  UnitedHealthcare® boasts strong financial stability

                  AM Best Rating: A (Excellent)    S&P Rating: AA-   Years in NH Medicare Market: 25+

1. Premium Rates for Plan G (Age 65) Here’s a breakdown of monthly premium rates for Plan G:
   • 2021: Female: $181.50/month    Male: $181.50/month
   • 2022: Female: $139.50/month    Male: $156.50/month
   • 2023: Female: $147.75/month    Male: $165.75/month
   • 2024: Female: $147.75/month    Male: $174.25/month
   • 2025: Female: $167.50/month    Male: $188.25/month
2. Discounts
   UnitedHealthcare® offers a 7% household discount on Medicare Supplement plans in NH, as well as an EFT discount..

​Personalized Assistance
For personalized assistance with NH Medicare Supplement or NH Medicare Advantage plans, you can contact Stephen Donohue at Atlantic Insurance. Call 603-882-2909 to schedule a Medicare coverage consultation.

Note: This communication serves as a solicitation for Medicare insurance.

Stephen Donohue is a licensed Medicare Supplement Insurance broker licensed in NH, MA, ME, RI, and NY.

​GET NH MEDICARE SUPPLEMENT QUOTE NOW

​​If you’re looking for auto and home insurance in New Hampshire, consider Plymouth Rock. With over 40 years experience, Plymouth Rock offers comprehensive packages for auto and homeowners insurance in NH.

Key Highlights of Plymouth Rock Insurance

Financial Strength: Plymouth Rock boasts an A- Excellent Financial Strength Rating from AM Best. This rating reflects the company’s strong ability to meet its ongoing insurance obligations, providing peace of mind to policyholders.

Regional Insurer with Local Expertise: Focused on the Northeast, Plymouth Rock is not a national company. This regional focus means that wildfires out west and hurricanes in the southeast won’t impact your premiums. Plymouth Rock’s local expertise ensures that they understand the specific needs and risks associated with living in New Hampshire.

Claims Handling: Plymouth Rock is renowned for its efficient claims handling for both auto and home insurance. Their claims process is designed to be straightforward and stress-free, ensuring that you get the support you need when you need it most.

Fast & Easy Online Quoting: Plymouth Rock has streamlined the quoting process for homeowners in NH. You can get a home insurance quote in less than 5 minutes by entering your address, name, and date of birth HERE. This quick and easy process allows you to compare rates and coverage options without any hassle.

Available Discounts
Plymouth Rock offers a variety of discounts to help you save on your insurance premiums:

• Anti-theft devices: Installing anti-theft devices in your vehicle can lower your auto insurance premiums.
• Motor club memberships: Membership in a motor club can qualify you for additional savings.
• Completed accident prevention courses: Completing an approved accident prevention course can reduce your auto insurance rates.
• Pay your policy in full: Paying your policy in full rather than in installments can lead to discounts.
• Paperless documents: Opting for paperless billing and documentation can also save you money.

Unique Features
Plymouth Rock offers several unique features and benefits that set them apart from other insurance providers:

• Get Home Safe®: This program provides taxi and rideshare reimbursement, ensuring you have a safe way to get home if you’re unable to drive.
• Seamless 24/7 Claims Service: Manage your claims right from your phone with Plymouth Rock’s user-friendly mobile app, available 24/7.
• Crashbusters®: On-the-spot damage assessment allows for quick and efficient claims processing, often right at the scene of the accident.
• Exclusive Sports Programs and Perks: Enjoy unique benefits such as access to exclusive sports programs and perks, which are not typically offered by other insurance companies.

Additional Benefits

• Customer Service: Plymouth Rock is known for its exceptional customer service. Their representatives are knowledgeable and ready to assist with any questions or concerns you may have.
• Flexible Payment Options: Plymouth Rock offers various payment plans to fit your budget, making it easier to manage your insurance costs.
• Bundling Discounts: By bundling your auto and home insurance policies with Plymouth Rock, you can take advantage of significant savings.

Customer Testimonials
John D., Manchester, NH: “I’ve been with Plymouth Rock for over 10 years, and their service has always been top-notch. Their claims process is quick and hassle-free, and I love the discounts I get for having anti-theft devices in my car.”
Sarah M., Concord, NH: “Switching to Plymouth Rock was the best decision I made for my home and auto insurance. The online quoting process was so easy, and I got a great rate. Plus, their customer service is always friendly and helpful.”
Mike R., Nashua, NH: “I had to file a claim after a minor accident, and Plymouth Rock’s Crashbusters® service was amazing. They assessed the damage on the spot and got everything sorted out quickly. Highly recommend!”
Emily S., Portsmouth, NH: “The Get Home Safe® program is such a great feature. It gives me peace of mind knowing I have a safe way to get home if I ever need it. Plymouth Rock really goes above and beyond for their customers.”
David L., Dover, NH: “I bundled my home and auto insurance with Plymouth Rock and saved a lot of money. Their local expertise and understanding of New Hampshire’s unique risks make them the perfect choice for insurance in this area.”

Conclusion
Plymouth Rock Insurance stands out as a reliable and customer-focused option for auto and home insurance in New Hampshire. With their strong financial rating, regional expertise, efficient claims handling, and a range of discounts and unique features, they offer a comprehensive and competitive insurance solution. Whether you’re a new homeowner or looking to switch your auto insurance provider, Plymouth Rock is worth considering for your insurance needs.

​Call 1-888-882-2909 x2 for q uote today- or click here to get started.

Medicare Coverage Options for Seniors in New HampshireIn New Hampshire, seniors have multiple choices for Medicare coverage. Besides Original Medicare, several Medicare Advantage Plans (Part C) are available. These plans, offered by private insurance companies approved by Medicare, provide all Part A and Part B benefits and often include additional perks like dental, vision, and wellness programs.
Medicare Advantage Plans in New HampshireHere are some companies offering Medicare Advantage Plans in NH:

• Aetna Medicare
• Anthem Blue Cross and Blue Shield
• Harvard Pilgrim Health Care
• Humana
• Martin’s Point Generations Advantage
• UnitedHealthcare
• Wellcare
• WellSense Health Plan

The number of plans varies by county. For instance, as of August 18, 2024, Hillsborough County offers 38 plans from 8 different companies.

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​Common Misconceptions About Medicare Advantage Plans

1. Medicare Advantage is Free: While some plans have a $0 premium, beneficiaries still need to pay the Medicare Part B premium. Additionally, there may be copayments, coinsurance, and deductibles.
2. Medicare Advantage Plans are the Same as Original Medicare: Medicare Advantage plans are offered by private companies and can include additional benefits like dental, vision, and wellness programs, which are not covered by Original Medicare.
3. You Can Switch Plans Anytime: There are specific enrollment periods for switching Medicare Advantage plans, such as the Annual Enrollment Period (AEP) from October 15 to December 7.
4. All Doctors Accept Medicare Advantage: Not all healthcare providers accept Medicare Advantage plans. It’s important to check if your preferred doctors and hospitals are in the plan’s network.
5. Medicare Advantage Plans are Always Better: The best plan depends on individual needs. Some people may benefit more from Original Medicare with a Medigap plan, while others might prefer the additional benefits of Medicare Advantage.
6. Medicare Advantage Plans are Only for Healthy People: These plans can be suitable for people with chronic conditions as well, especially those that offer special needs plans (SNPs) tailored to specific health issues.
7. You Lose Medicare Coverage with Medicare Advantage: Enrolling in a Medicare Advantage plan means you still have Medicare coverage, but it is managed by a private insurer.

Choosing the Right Plan
Choosing the right Medicare plan depends on your healthcare needs, budget, and preferences. In New Hampshire, several insurance companies offer Medicare Advantage plans, including Aetna, Anthem Blue Cross and Blue Shield, Harvard Pilgrim Health Care, Humana, Martin’s Point Generations Advantage, UnitedHealthcare, and Wellcare.

It’s crucial to compare the benefits, costs, and network of providers for each plan. Consider factors such as monthly premiums, out-of-pocket costs, and additional benefits like prescription drug coverage, dental, and vision care. You can visit the Medicare.gov Plan Finder Tool , it gives some insight as to the different kinds of Medicare Advantage PD plans offered.. 

Enrollment Periods
Remember, there are specific enrollment periods for Medicare Advantage plans. The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. During this time, you can join, switch, or drop a Medicare Advantage plan. There are also Special Enrollment Periods (SEPs) for certain life events, such as moving or losing other insurance coverage.

Conclusion
Understanding the different Medicare plans and common misconceptions can help you make an informed decision about your healthcare coverage. If you have any questions or need further clarification, don’t hesitate to seek advice from a licensed insurance agent or Medicare counselor.

If you want to learn more about resources for seniors looking for Medicare Plans in NH, see our article here.
​

Article by Stephen Donohue, NH Medicare Agent

When a senior is looking to learn more about Medicare plans here in the Granite State, they are OFTEN directed to National Insurance brokerages that don’t fully understand the unique dynamics of the NH Medicare Advantage and Medicare Supplement market place.

​Here are some valuable resources and tips for New Hampshire seniors seeking information about NH Medicare plans:

1. NH Insurance Department Medicare Supplement Dashboard: Visit the NH Insurance Department’s Medicare Supplement Dashboard to explore costs for different Medicare Supplement Plans offered by 20 insurers in NH. Simply enter your age, and the dashboard will provide detailed information.
2. ServiceLink: ServiceLink is a non-profit organization with locations throughout NH. They offer free and confidential services to people of all ages and abilities. ServiceLink’s goal is to help older adults and individuals with disabilities access long-term supports and services, enabling them to live independently. For more information, visit the ServiceLink website.
3. Local Senior Centers: Check with your local Senior Center. Many of them host educational events where experts provide seminars on different Medicare coverage options.
4. Medicare.gov Plan Finder: Use the Medicare.gov Plan Finder by entering your zip code and basic information. It will provide comprehensive details about Medicare plans, including coverage options and enrollment guidelines.
5. Local Medicare Agent: Consider reaching out to a local Medicare agent. Atlantic Insurance & Benefit Company, for instance, has been assisting seniors since 2010. Using a Medicare broker doesn’t cost extra and can help you find the right Medicare Supplement or Advantage Plan.

Remember that understanding your options and choosing the right plan is essential. Feel free to explore these resources to make informed decisions about your NH Medicare coverage! 
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Safeco is a leading homeowners insurance provider in the U.S and also here in Nashua, NH. Here’s how it ranks based on different assessments:

1. J.D. Power Claims Satisfaction: In J.D. Power’s 2024 Property Claims Satisfaction Study, Safeco ranks well for claims satisfaction. It’s among the top three companies, along with Amica and Erie Insurance.
2. MoneyGeek Score: Safeco earns a MoneyGeek score of 87 out of 100, highlighting its affordability and financial stability. 
3. Financial Strength: Safeco’s financial strength ratings vary. It receives an excellent A rating from AM Best but a lower A- rating from Standard & Poor’s and a mediocre A2 rating from Moody’s3.
4. Overall Rating: ConsumersAdvocate rates Safeco at 4.2 out of 5 (Excellent), emphasizing its creditworthiness, standard coverages, additional plans, and limited discounts4.

Remember, individual experiences may vary, so consider your specific needs when evaluating Safeco as a home insurance option.  Safeco offers attractive homeowners insurance coverage in Nashua, NH that can be tailored to your needs and budget. Here are some key features:

1. Dwelling Coverage: Safeco’s dwelling coverage protects your home against losses from events like fire, lightning, windstorms, hail, theft, and vandalism.
2. Personal Property Coverage: This coverage repairs or replaces personal belongings such as furniture, clothing, and appliances that are damaged or stolen due to a covered loss.
3. Personal Liability Coverage: Safeco’s personal liability coverage defends you if someone claims injury or property damage caused by you, whether it’s in your yard or at someone else’s home.
4. Valuable Articles Coverage: If you have high-value items like jewelry, art, or collectibles, Safeco offers extra coverage specifically for these valuable articles.
5. Equipment Breakdown Coverage: Unlike standard policies, Safeco’s equipment breakdown coverage keeps critical household equipment running after mechanical or electrical breakdowns.
6. Guaranteed Repair Network: Safeco connects you with prequalified experts for quick repairs, backed by a material and labor warranty.
7. Special Roof Coverage- if a portion of your roof is damaged, this will extend replacement coverage for your ENTIRE roof.
8. NH Home/Auto/Umbrella Package Discount- significant savings when you buy more than one type of coverage.

Remember, having homeowners insurance is highly recommended to protect your investment. Here are the different kinds of home policies that Safeco offers:

• Homeowners HO5: This type of policy provides the broadest coverage for your home and personal belongings. It typically includes protection against a wide range of perils, such as fire, theft, and natural disasters. HO5 policies also cover personal property on an open-perils basis, meaning it protects against all risks except those specifically excluded.
• Homeowners HO3: The HO3 policy is the most common type of homeowners insurance. It covers your dwelling (structure), personal property (contents), and liability. Unlike HO5, it provides coverage for personal property on a named-perils basis, meaning it lists specific risks that are covered.
• Renters Policy: Designed for renters, this policy covers personal belongings (furniture, electronics, clothing) against perils like fire, theft, and vandalism. It also includes liability coverage in case someone gets injured in your rented space.
• Condo HO6: Condo insurance is tailored for condominium owners. It covers your personal property, interior improvements, and liability. The condo association’s master policy usually covers the building structure and common areas.
• Landlord Policies: These policies are for property owners who rent out their homes or apartments. Landlord insurance covers the dwelling, liability, and loss of rental income due to covered perils. It’s essential for protecting your investment property.

In addition to these types of NH Home insurance, Safeco has 4 different levels of protection

1. Essential
2. New Quality Plus
3. Optimum
4. Premier

(See Link for Brochure that shows the different levels of coverage for EACH SafeCo Home Insurance Package) 

If you want to learn more about which home insurance coverage is right for you call us today at 1-888-882-2909. Or visit our HOME INSURANCE QUOTE page here.
 

Atlantic Insurance & Benefit Company: Helping You Navigate Medicare Coverage

At Atlantic Insurance & Benefit Company, we specialize in helping baby boomers make informed decisions regarding their Medicare Supplement or Medicare Advantage insurance coverage. Our commitment to seniors includes following specific compliance rules when working with them.

Here are some key points to know:

Permission and Documentation

• We always seek your permission before meeting in person.
• We use a SCOPE OF APPOINTMENT FORM, similar to a “Permission Slip,” which lists your name, the agent’s name, and the plan options you wish to discuss. These forms are typically required 48 hours in advance, except for “Walk-In” visits. (We can email or mail  the form for your review and approval!)
• Example Scope of Appointment Form
  

Recorded Calls
If you have questions about Medicare coverage, call our recorded line at 1-351-300-0142 x 3.

I will read a standard disclaimer, stating "This call may be recorded for quality assurance or training purposes. I do not offer every plan available in your area. In Hillsborough County I represent 5 companies, and offer 21 of the 38 Medicare Advantage Plans that are available Any information I provide is limited to those plans I do offer in your area. To learn more about other plans please visit Medicare.gov or call 1-800-MEDICARE to get information on all of your options."

Learn More
When we meet our goal is to LISTEN to learn about a client's healthcare needs and offer plans that will meet their expectations in terms of:

• Cost
• Coverage
• Quality of Care 

See this informative Flier from CMS that describes what to expect.

If you have ANY questions about Medicare plans in New Hampshire we are here to help. Feel free to call us on our recorded line at 1-351-300-0142 x3!

 by Steve Donohue NH Medigap Agent
Medicare Supplement Plan G in New Hampshire: A Comprehensive Guide
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Over the past several years, Medicare Supplement Plan G has gained significant popularity among seniors in New Hampshire. As an agency specializing in NH Medigap plans, we’ve observed a shift towards Plan G as the preferred choice for many residents. Let’s explore the reasons behind its appeal:

1. Broad Access to Care:  Medicare Supplement Plans allow you to visit any doctor nationwide who accepts Medicare. This flexibility is especially convenient for snowbirds and frequent travelers.
2. Similar Coverage to Plan F: Plan G provides coverage similar to Plan F, including hospital stays, nursing home care, and other essential services. The primary difference is that Plan G does not cover the Part B deductible (currently $240).
3. Cost Savings: NH Plan G offers substantial monthly premium savings compared to Plan F. For instance:
   • Plan G, on the other hand, costs only $170.44 per month—resulting in savings of $62.88 per month or $754.56 annually. These savings often outweigh the Part B deductible expense.
   • Anthem’s Blue Cross Blue Shield Plan F costs $233.22 per month for a 65-year-old male.
4. Coverage of Excess Charges: Like Plan F, Plan G covers excess charges. Having this protection provides peace of mind, especially for conservative shoppers.
5. More Favorable Long-Term Pricing: Plan G’s advantage lies in its long-term pricing stability. While only Medicare enrollees who were enrolled prior to 2020 can purchase Plan F, Plan G remains available for new enrollees. This availability may lead to more stable rates over time and lower predicted claims costs per person.
6. Long-Term Stability: Many seniors in their 70s have maintained the same Medicare Supplement plan for years. Plan G’s reliability makes it an excellent long-term solution.
7. Foreign Travel Benefits: NH Plan G includes up to $50,000 in foreign travel benefits, ensuring coverage even when traveling abroad.

See NH Medicare Supplement Plan G  helpful information & resources:
NH Medigap Plan G 2023 Benefit Summary
NH Medicare Supplement Quote
NH Medicare Market Review 4 Years 2021-2024

For further insights, Forbes.com has highlighted why Plan G is often a better choice for many seniors.

If you’re interested in learning more about Medicare Supplement Plans available in New Hampshire, please contact us at 603-882-2909.

Car Insurance in New Hampshire: What You Need to Know

Is Car Insurance Required in NH?
No, New Hampshire is unique as the only state that does not require you to purchase car insurance.

Why Consider NH Auto Insurance?
While not mandated, it's highly recommended to purchase NH Auto Insurance for protection, and it's surprisingly affordable! In fact, New Hampshire ranks 5th lowest cost state in the US for average auto insurance premiums, with many of our clients paying even less than the state average $1530 annually (Source US news 05/2024).

NH State Minimum Insurance Limits
New Hampshire requires insured drivers to carry at least the following coverages:

• Bodily Injury: $25,000 per person and $50,000 per accident.
• Property Damage: $25,000 per accident.
• Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident.
• Medical Payments: $1,000 per accident.

Opting for Better Coverage
For a minimal increase in cost, you can opt for higher levels of coverage:

• Bodily Injury: $100,000 per person and $300,000 per accident.
• Property Damage: $100,000 per accident.
• Uninsured/Underinsured Motorist: $100,000 per person and $300,000 per accident.
• Medical Payments: $5,000 per accident.

When Might You Need Car Insurance in NH?
While NH does not mandate car insurance, drivers may need to obtain Proof of Financial Responsibility (SR-22) under certain circumstances, such as DWI/DUI convictions, accidents without insurance, or excessive demerit points.

How Auto Insurance Rates Are Calculated in NH
Auto insurance rates in NH are determined by factors such as:

• Age, gender, and marital status
• Household members
• Coverage limits
• Location
• Type of vehicle
• Use of the vehicle
• Credit history

We partner with over 40 insurers to ensure our clients receive the lowest available rates tailored to their needs.
Where to Learn More About Car Insurance in NHFor more information, visit:

• NH Frequently Asked Questions About Car Insurance
• Your Guide To Understanding Auto Insurance in the Granite State

NH Auto Insurance doesn't have to be complex or expensive. As a Trusted Choice Independent Agency, we're here to answer your questions and help you find the best coverage for you and your family. Contact us today for NH car insurance quotes or questions about SR-22s at 1-888-882-2909.

CLICK HERE TO GET YOUR OWN ONLINE NH CAR INSURANCE QUOTE

Steve Donohue is an insurance agent specializing in car insurance in Nashua, NH.

With the new year well under way, many are seeing their insurance policies renewing at a higher rate in 2024. From Auto to Homeowners insurance policies; everyone can feel the effects of inflation and rising costs.

According to a recent survey from Trusted Choice, 69.3% of American insurance policy owners have begun to review their policies with 45.8% indicating a rise in premiums being the cause. Other findings in the study include 46.6% considering selecting plans with higher deductibles to lower premium costs, 83% would switch insurance companies for more savings, and 22% are thinking about dropping their policies (going uninsured) and leaving insurance out of the equation entirely.

The reasons for elevated insurance premiums stem from unprecedented losses due to rising inflation, natural disasters, reinsurance costs, etc. Fortunately, many Americans are finding success buying insurance policies, switching plans, and finding savings with insurance agents. As stated in the survey; 56.3% of Americans prefer to approach their insurance business with insurance agents, while 36.3% buy insurance through an insurance companies' website separately. 

With the current market of high insurance renewal rates, we here at Atlantic Insurance & Benefit Co. would be so happy to help find the best deal with the most savings for you.

Is your Auto or Home insurance policy renewal increasing by more than $100?

Please give us a call at (603) 882-2909, send us an email, or fill out our online form(s) for your Auto and Home insurance quotes today!