The Do's and Don'ts of Driving with a Trailer
​See great article by Foremost Insurance Creative Team

Whether you're taking a road trip or taking the family camping, driving with a trailer can be a challenge. According to eTrailer.com, when you add a trailer to your vehicle, the overall handling and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It's important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that's being towed. And, because trailers don't follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.

Here are some do's and don'ts of towing to keep you safe on the road.

Do's

• Gradually reduce speed
• Travel at an even, moderate speed
• Steady the steering wheel — sudden turns can cause more sway
• Be cautious of potholes and large bumps
• Use a lower gear over large hills or down gravel roads
• Avoid slamming on the brakes — jackknifing could occur

Don'ts

• Consistently stay in overdrive and/or in a high gear
• Attempt to steer out of trailer sway
• Forget to add sway control or a weight distribution system
• Be afraid to safely stop and reload trailer in case of engine problems, sway, flat tires, etc.

​Foremost wants you to tow and travel safely!

NH Medicare Plan G,  Plan F and Plan N compared by Stephen Donohue NH Medicare Insurance agent
​
​If you are shopping for  Medicare Supplement Insurance here in New Hampshire your choice will often come down to one of the following 3 plans:

• Plan F
• Plan G
• Plan N

If you have any questions please call 603-882-2909, or request a NH Medicare Supplement Quote here.


My Medicare clients always ask me which plan is the best? The answer is simple- it depends on your needs. 
I find that EACH of these Medigap Plans are of real value to my NH Medicare Supplement clients.  

They are all excellent plans - selecting the plan that is right for you- depends upon your needs and making sure you have the best coverage is really ​important to us.

What does the Plan F Cover?
In 2020 the NH Medicare Supplement Plan F will have LIMITED enrollment opportunity. Simply stated IF you were enrolled in Medicare PRIOR to 1/1/2020 - you CAN STILL BUY the Medigap Plan F here in NH.

Well what does the NH Supplement Plan F cover..? Plan F covers MOST the out of pockets costs associated with MEDICARE Copays and Deductibles.  So when a NH senior buys this plan they often have VERY LOW OUT OF POCKET COSTS.

The NH Medigap Plan F covers the following:

• Medicare Part A & B Deductibles
• Medicare Part A Coinsurance and Hospital Costs
• Medicare Part B Coinsurance or Copays
• Part B Excess Charges
• Foreign Travel Emergency

Please see (Updated for 2020) quick review of Medicare out of pocket expenses that the NH Medigap Plan F Covers:

• Part A Deductible - $1408  Part A hospital  deductible 
• Part A Hospital copays days 61-90 $352/day
• Part A Hospital Copays days 91+ $704/day
• Skilled Nursing Facility Copay days 20-100 $176/day
• Part B Deductible $198 annual
• Part B Coinsurance- Generally 20%

What does Plan F Cost in NH in 2020?
The cost for NH Medicare Supplement Plan F in NH varies with some insurers by gender and with ALL insurers by age. You can download a copy of the NH Medicare Supplement Plan F here- AND- you can see the insurer that has the lowest costs for the Plan F here in NH.  

It is important to note that in 2020 the Plan F will no longer be offered to people who are NEW TO MEDICARE throughout the US. HOWEVER in most states including NH- IF someone has purchased the Plan F prior to 2020 they can KEEP IT -AND- if a person is eligible for or enrolled on Medicare PRIOR TO 1/1/2020 they can still BUY the Plan F in 2020. For those new to Medicare AFTER 1/1/2020 here in NH and elsewhere- they cannot enroll in the Medicare Supplement Plan F.

What does the Plan G Cover?
​Ok- this is pretty straight forward the NH Medicare Supplement Plan G covers EVERYTHING THAT WE JUST MENTIONED ABOVE in the Plan F- except with the NH Medicare Supplement Plan G you pay the $198 Part B deductible once a year.

In exchange for paying the $198 Part B deductible- you get a pretty nice price break, meaning lower premiums every month. So you pay a little bit more out of pocket- BUT- you save a substantial amount annually in premiums. See example of savings below Plan G vs Plan F here in NH with Anthem Blue Cross:

Anthem Blue Cross Blue Shield of New Hampshire 2020 Monthly Premiums
Age 65 Male Plan F     212.21
Age 65 Male Plan G    155.48

This savings of $56.73 month equals $680.76 annually and far exceeds the annual $198 Part B deductible making the NH Medicare Supplement Plan G with Anthem Blue Cross Blue Shield an excellent value!

See NH Medicare Supplement Plan G outline of Coverage for more info. Also see rates for lowest price Plan G in the NH market. For the past 12 months we have seen a surge in enrollment in Medicare Supplement Plan G here in NH. 

What does the Plan N Cover?
The NH Medigap Plan N covers the following:

• Medicare Part A & B Deductibles
• Medicare Part A Coinsurance and Hospital Costs
• Skilled Nursing Facility Copay days 21-100 $176/day
• Foreign Travel Emergency

There are 3 standard costs associated with the Plan N- that Seniors can expect to pay and they are:

• $198 Part B deductible
• Up to $20 Copay for out patient services
• $50 ER copay 

So the good news here is that the Plan N reaches a budget friendly monthly premium. Giving healthy and low healthcare using seniors the flexibility of using ANY DOCTOR or HOSPITAL that accepts Medicare without the higher premiums of the Plan F or Plan G. 

PLAN N DOES NOT PAY THE MEDICARE PART B EXCESS CHARGES. See Medicare definition below:
Excess charges
If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge. We find that the Part B excess charges are infrequent- and even when charged are not substantial. Part B excess charges are NOT permitted in MA. For excess charges here in NH Medicare providers are only allowed to charge 15% above the approved Medicare payment amount.

See Plan N Outline of coverage here AND the lowest cost insurer for NH Plan N Medigap here.

If you want to learn more about the NH Medicare Supplement Plan that is right for you please call 603-882-2909.

Get ONLINE NH MEDIGAP QUOTE HERE form takes only a few minutes to complete- or call us now for a quote.