Nashua Car Insurance Update by Stephen Donohue, Nashua Insurance Agent

As an independent auto and home insurance agency based in Nashua, NH, we proudly represent several insurers. Among them is Plymouth Rock Assurance, known for offering not only competitive car insurance rates and comprehensive auto insurance coverage but also unique features like the CrashBusters® Mobile Claim Service.

We understand how stressful car accidents can be. That’s why Plymouth Rock simplifies the claims process, removing much of the confusion and stress.
​
CrashBusters® Mobile Claim Service

• Convenience: A Plymouth Rock representative will appraise the damage at a location that works best for you—your home, office, or another convenient spot.
• Quick Claims Processing: After the appraisal, many policyholders receive a settlement check on the spot, allowing repairs to start immediately.
• Wide Availability: This service is available to most auto and motorcycle insurance policyholders in Connecticut, New Hampshire, New Jersey, Massachusetts, New York, and Pennsylvania, and is included at no additional cost with Plymouth Rock policies.

Additional Features

• CarPics℠ Photo Appraisals: File claims seamlessly using your smartphone, eliminating the need for in-person inspections.*
• Door to Door Valet Claim Service®: Save time as Plymouth Rock coordinates body shop repairs, rental cars, and more.*

With Plymouth Rock car insurance, the claims process is made fast, simple, and stress-free. As your trusted Nashua auto insurance agency, we’re here to help you every step of the way.

If you’re looking for a car insurance quote or home insurance quote, please visit our website or call us at 603-882-2909 x2. Be sure to ask for James!

*Certain restrictions apply.

by Stephen Donohue, Registered Health Underwriter and
Medicare Broker in Nashua, NH



NH Medicare Supplement: Discover Why Medicare Supplement Plan G Is a Top Choice for Seniors in 2025
Medicare Supplement Plan G continues to lead the pack as the preferred option among seniors in New Hampshire. Here's what makes it the standout choice in 2025:

1. Comprehensive Coverage
Plan G offers extensive coverage, effectively closing the gaps left by Original Medicare. It includes benefits such as coverage for the Part A hospital deductible, Part B coinsurance, and excess charges, ensuring seniors receive robust protection against unexpected medical expenses.

2. Predictable and Manageable Costs
With Plan G, seniors can enjoy financial predictability. After paying the Part B deductible, this plan covers most remaining costs, including excess charges, offering peace of mind when managing healthcare expenses.

3. Freedom of Provider Choice
Say goodbye to network restrictions! Medicare Supplement Plan G allows seniors to choose any doctor or specialist who accepts Medicare, granting flexibility and ensuring access to trusted healthcare professionals.

4. Stability in Premiums
Plan G often boasts stable and predictable premiums compared to other Medigap plans, helping seniors budget their healthcare costs with confidence.

5. Enhanced Peace of Mind
By covering nearly all out-of-pocket costs, Plan G alleviates the stress associated with medical bills, empowering seniors to focus on their health without financial worries.

6. Widespread Popularity and Trust
As one of the most popular Medigap plans, Plan G has earned the trust of seniors across the country. Its broad adoption is a testament to its reliability and comprehensive coverage.

7. Guaranteed Coverage During Open Enrollment
Seniors who enroll during their Medigap Open Enrollment Period avoid medical underwriting, ensuring coverage even if pre-existing health conditions are present.

Comparing Medicare Supplement Plan G Rates in New Hampshire for 2025
Discover the most competitive rates from leading insurers:
Insurer                                    Female (Age 65)   Male (Age 65)
Anthem Blue Cross Blue Shield     $165.81             $182.73
United Healthcare                           $169.50             $190.25

Note- These insurers offer discounts for EFT and household members. Call or email for more info.

Optimize your healthcare choices with Medicare Supplement Plan G—the trusted solution for seniors in New Hampshire. Secure reliable coverage and financial peace of mind for 2025 and beyond!

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 have questions about NH Medicare Supplement Plans, including  NH Medigap Plan G, call us today 603-882-2909 x3. You can also request a Medicare Supplement Quote Here.

Also, the NH insurance Department has a Medicare Supplement Page HERE. Where you can visit, enter your gender and age and see  the rates of the different insurers and all the NH Medigap plans offered.

by Stephen Donohue Nashua NH Home Insurance Agency Owner 

NH Home Insurance: Is Plymouth Rock Right for You?
Finding the right home insurance in New Hampshire can be a challenge. If you're looking for affordable rates and robust coverage, Plymouth Rock Home Insurance is worth considering. Serving six Northeastern states, including NH, Plymouth Rock offers a compelling option for homeowners in the region.

Why Choose Plymouth Rock for Your NH Home Insurance?
Plymouth Rock distinguishes itself with several key advantages:

• Affordable Premiums: One of the most attractive features is their competitive pricing. Plymouth Rock's rates are often significantly lower than the national average, making them a budget-friendly choice for NH homeowners.
• Customizable Coverage: Plymouth Rock offers a variety of coverage add-ons, allowing you to tailor your policy to your specific needs. These include:
  • Guaranteed Replacement Cost: This crucial coverage ensures your home will be rebuilt regardless of rising construction costs. In today's market, with fluctuating material prices, this protection is invaluable. It removes the risk of being underinsured and facing significant out-of-pocket expenses after a disaster. Not all insurers offer this, making Plymouth Rock stand out.
  • Water Backup and Home Systems Protection: Protect yourself from costly damage due to water backup or failing home systems.
  • Private Flood Insurance: Through a partnership with Neptune Flood, Plymouth Rock offers private flood insurance, providing an alternative to the National Flood Insurance Program.
• Financial Stability: An A- (Excellent) rating from AM Best demonstrates Plymouth Rock's strong financial health and ability to meet its obligations. This gives you confidence that your claims will be handled promptly and efficiently.
• Excellent Customer Service: Plymouth Rock utilizes independent agents and a dedicated local team, focusing on personalized customer service.
• Simplified Package Pricing: Their Good, Better, and Best package options make it easy to understand your coverage choices and select the best value for your needs.
• Discounts: Bundle your home, auto, and umbrella insurance policies for savings.
• Multiple Coverage Options: Plymouth Rock offers coverage for homes, condos, and renters.
• Easy Online Quotes: Get an  instant  NH home insurance quote simply by providing your address and date of birth – it's quick and convenient! NH HOMEOWNERS INSURANCE QUOTE HERE

What to Consider Before Choosing Plymouth Rock:

• Limited Service Area: Plymouth Rock's availability is limited to six Northeastern states. If you move outside this region, you'll need to find a new insurer.

Customer Satisfaction and Ratings:

• Better Business Bureau (BBB): Plymouth Rock Assurance holds an A+ rating with the BBB, reflecting their commitment to customer satisfaction.
• Bankrate: Bankrate gives Plymouth Rock a 4.0 out of 5 for home insurance, highlighting their regional presence and tiered coverage options.

The Bottom Line:
For NH homeowners seeking affordable rates, comprehensive coverage, and excellent customer service, Plymouth Rock Home Insurance is a strong contender. Their guaranteed replacement cost coverage and convenient online quoting process are particularly appealing. While their limited service area is a factor to consider, for those within their region, Plymouth Rock offers a valuable option for protecting your most valuable asset.

Get your instant NH home insurance quote today! QUOTE HERE Call Atlantic Insurance & Benefit Co, a local Plymouth Rock agency at 603-882-2909  to discuss your specific needs and learn more about how they can protect your home.

by Stephen Donohue, Nashua NH home insurance agent

Why Regional Insurers like Concord Group Insurance are a Great Choice for Homeowners Coverage in New Hampshire
When it comes to protecting your home, having the right insurance provider is important. Concord Group Insurance is an excellent choice for homeowners in New Hampshire, offering comprehensive coverage, exceptional customer service, and financial stability.

Financial Strength and Stability
Concord Group Insurance consistently receives high ratings from A.M. Best, a leading insurance rating agency. The company has been awarded an A+ (Superior) Financial Strength Rating for five consecutive years. This rating is due to Concord Group's strong balance sheet, consistent operating performance, and effective risk management. With such a solid financial foundation, policyholders can trust that Concord Group is well-equipped to handle claims and provide reliable coverage.

Better Business Bureau Rating
In addition to its financial strength, Concord Group Insurance has a positive reputation with the Better Business Bureau (BBB). The company holds an A+ rating with the BBB, indicating a high level of customer satisfaction and trust. The A+ rating underscores Concord Group's commitment to maintaining strong business practices and addressing customer concerns.

Comprehensive Coverage
Concord Group Insurance offers a range of homeowners coverage options to meet the varying needs of New Hampshire residents. From standard protections like dwelling and personal property coverage to additional options such as liability insurance and identity theft protection, Concord Group ensures that homeowners are comprehensively protected against a variety of risks. Concord Group lets policyholders work with their agents to tailor their coverage to meet specific requirements.

Advantages of Regional Insurers
Unlike national insurers, regional insurers like Concord Group Insurance have less exposure to high-risk events such as wildfires in California and hurricanes in Florida and South Carolina. In New England, while weather risks exist, they are not as significant as those in other parts of the country. Choosing a regional insurer like Concord Group Insurance provides more stability for homeowners in New Hampshire.

Exceptional Customer Service
A key differentiator for Concord Group Insurance is their exceptional customer service. The company operates exclusively through independent insurance agents, providing personalized support and guidance to help homeowners find the right coverage. Their knowledgeable agents are dedicated to assisting clients with their insurance needs, from policy selection to claims processing.

Conclusion
For homeowners in New Hampshire, Concord Group Insurance offers a reliable and trustworthy option for home protection. With their strong financial stability, positive BBB rating, comprehensive coverage options, and exceptional customer service, Concord Group stands out in the insurance market.

​If you're seeking a provider that combines stability, quality coverage, and excellent service, Concord Group Insurance is a top contender.

See review from Concord Group client below::

*"We had a tree fall on our house during a storm, causing significant damage. Concord Group was quick to respond and handled our claim efficiently. Their customer service was outstanding, and they made the process as smooth as possible. We were very satisfied with how they managed everything."* - Emily R. (Homeowners Insurance Review)

Call us for a quote today at 603-882-2909, or visit our NH home insurance quote site here.

by Stephen Donohue NH Medicare Supplement Agent                    GET NH MEDIGAP QUOTE NOW
UPDATED 02/01/2025

Choosing the Right NH Medicare Supplement Plan 

Navigating Medicare Supplement Plans in New Hampshire can be challenging with around 20 insurers offering various options. Here's a comprehensive review to guide you in making an informed decision:
What Our NH Supplement Review Covers:

1. Plan Offerings: Detailed information on plans available from each insurer.
2. Carrier Financial Strength: Assessment of the financial stability of each carrier.
3. Added Benefits and Discounts: Exploration of additional perks and cost-saving opportunities.
4. Rate Stability: NH Supplement Plan G rates for 2025, 2024, 2023, 2022, and 2021, to assess rate consistency over time.
5. Standardized Plan Designs: In New Hampshire, Medicare Supplement Plans follow standardized designs, ensuring consistent coverage for a specific plan across different insurers.

Not all Medicare Supplemental Insurance companies are equal. Costs vary significantly from one insurer to another. Some insurers offer lower rates for women and provide discounts if a spouse or household member also enrolls. Below is the 2025 review of five leading NH Medigap insurers.
Factors that insurers consider when pricing Medicare Supplement Plans in NH:

• Age
• Location
• Gender
• Payment Method
• Enrollment Date
• Tobacco Use

The average Medicare Supplement premium in New Hampshire for 2025 is around $186 per month for females and $214 per month for a male.

For a detailed analysis, 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!

Anthem Blue Cross Blue Shield of NH Medicare Supplement Plan Review
Anthem, the leading health insurance provider in New Hampshire, has been serving residents for over 90 years. With a wide range of offerings including health insurance for individuals, small and large employer groups, as well as Medicare Supplement, Medicare Advantage, and Medicare Part D Plans, Anthem has established itself as a trusted name in healthcare.

Plan Offerings Anthem's Medicare Supplement plans help cover healthcare costs that Original Medicare (Parts A and B) doesn't, ensuring both you and your budget stay healthy. Key details include:
Flexibility and Peace of Mind: Original Medicare provides essential healthcare coverage but 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.

Standardized Plan Designs OfferedIn New Hampshire, Medicare Supplement Plans follow standardized designs, ensuring consistent coverage for specific plans across different insurers. Anthem offers the following types of Medicare Supplement plans:

• 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.

​
Carrier Financial Strength

• AM Best Rating: A (Excellent)
• S&P Rating: A+

Rate Stability
Anthem has a record of stable rates, with some years having no increase in premiums and when premiums do increase, the increase is modest. Here are the rates for Plan G for individuals aged 65:
Here you go! Here's a table you can easily copy and paste:

Year          Female                 Male
2021          $139.36/month    $153.48/month  (rates include a $2 EFT discount)
2022          $145.72/month    $160.48/month  (rates include a $2 EFT discount)
2023          $145.72/month    $160.48/month  (rates include a $2 EFT discount)
2024          $152.96/month    $168.44/month  (rates include a $2 EFT discount)
2025          $163.81/month    $180.37/month (rates include a $2 EFT discount)

Added Benefits & Discounts: Anthem’s Medicare Supplement plans come with extra perks and programs, such as:

• Silver Sneakers® 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.

• 5% Household Discount: Lower costs if you live with someone else who is enrolled in an NH Anthem Medicare Supplement plan.
• $2 EFT/ACH Monthly Discount: Reduced rates for electronic funds transfer or automatic clearing house payment.
• Annual $48 Pay in Full Discount: Save money by paying the annual premium in full.

​Recognition: 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.
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:   Female: $186.26/month    Male: $214.16/month
4. Discounts Offered:
   • Aetna provides a 7% Household Discount in New Hampshire.
   • ACCENDO, a division of Aetna, may offer 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 November 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.

NH Medicare Plans: 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 a comprehensive review of their offerings:
Plan OptionsUnitedHealthcare® offers a variety of Medigap plans in NH, including:

• Medigap Plan A: Covers essential gaps in Original Medicare such as hospital copayments and coinsurance.
• Medigap Plan B: Adds coverage for Part A deductibles.
• Medigap Plan K: Covers 50% of most Medicare-related expenses.
• Medigap Plan L: Covers 75% of most Medicare-related expenses.
• Medigap Plan G: Offers comprehensive coverage for out-of-pocket costs not covered by Original Medicare, except for the Part B deductible.
• Medigap Plan N: Offers lower premiums with some copays and a small annual deductible.
• Plan F: Available only for those eligible before January 1, 2020, offering the broadest coverage.

Financial StrengthUnitedHealthcare® boasts strong financial stability:

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

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

DiscountsUnitedHealthcare® offers several discounts, including:

• 7% Household Discount: Available on Medicare Supplement plans in NH.
• EFT Discount: Lower rates when you pay via Electronic Funds Transfer.

Personalized AssistanceFor personalized assistance with NH Medicare Supplement or NH Medicare Advantage plans, 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!