Atlantic Insurance & Benefit Company
Helping Others Since1998
  • Home
  • Quotes
    • Health Quotes >
      • Employer Group Health Insurance Quote
      • NH Medicare Supplement Coverage Quote
      • NH Medigap Quote
    • Group Benefits Insurance Quote
    • Dental & Vision >
      • Individual Dental Insurance Quote
      • Employer Group Dental Insurance Quote
      • Individual Vision Insurance Quote
      • Employer Group Vision Insurance Quote
    • Business Quotes >
      • NH Business Auto Quote
      • Business Quote
      • Workers Compensation Quote
      • Business Owners Package (BOP) Insurance Quote
      • Event Insurance Quote
      • Insurance Bonds Quote
    • Auto Quotes >
      • NH Sr22 Quote
      • NH Ride Share Insurance Quotes
      • NH Business Auto Quote
      • Auto Quote
      • Nashua NH Car Insurance Agency- 24/7 Home & Auto Insurance Quotes for Nashua, New Hampshire
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Condo Quote
      • Flood Quote
      • Homeowner Quote
      • Landlords Insurance Quote
      • Renters Quote
    • Life & Financial Quotes >
      • Life Quote
      • Disability Quote
      • Long Term Care Insurance Quote
    • Other Quotes >
      • Boatowner Quote
      • Critical Illness Insurance Quote
      • Umbrella Quote
      • Snowmobile Insurance Quotes
      • Travel Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Enrollments & Terminations
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
    • Upload Files
  • Products
    • Health >
      • Employer Group Health Insurance
      • Medicare Supplement Coverage
    • Group Benefits
    • Dental & Vision >
      • Individual Dental Insurance
      • Employer Group Dental Insurance
      • Individual Vision Insurance
      • Employer Group Vision Insurance
    • Business >
      • NH Commercial Auto Insurance
      • Business Insurance
      • Workers Compensation
      • Business Owners Package (BOP) Insurance
      • Event Insurance
      • Insurance Bonds
    • Car Insurance >
      • Auto Insurance
      • NH Commercial Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Life/Financial >
      • Life Insurance
      • Disability Insurance
      • Long Term Care Insurance
      • Financial Planning
    • Other >
      • Boat Insurance
      • Critical Illness Insurance
      • Umbrella Insurance
      • Snowmobile Insurance
      • Travel Insurance
  • Blog
  • News
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Pledge of Performance
    • Accessibility Statement
    • Privacy Notice Statement
  • Contact

NH Medicare Supplement Plan G 2020- 7 reasons why Plan G is such a good value!

6/25/2020

 
Picture
 by Steve Donohue NH Medigap Agent

Here in NH for the past the past decade the NH Medicare Supplement (or Medigap) Plan F has been the go-to plan for seniors looking for deluxe Medicare insurance coverage.

However starting in 2018 we have seen a shift here at our agency, with the NH Medicare Supplement Plan G emerging as a great value for NH Seniors for the following 7 reasons:
  1. Medicare Supplement Plans allow you to use ANY doctor who accepts Medicare. This means that you have broad access to care locally- AND- throughout the US (...think snowbirds!)
  2. Medigap Plan G is SIMILAR to the Plan F- I like to say that the Supplement Plan G is Plan F's nice looking younger sister. The Plan G covers hospital, nursing home, and MANY things the SAME EXACT WAY that the Plan F does. What is the difference..? The Plan G does NOT cover the Part B deductible of $198.
  3. Plan G Supplement offers SIGNIFICANT Monthly Premium Savings- Today in NH the Plan G Supplement has premiums that are SIGNIFICANTLY LOWER than the Plan F. In 2020 Anthem's Blue Cross Blue Shield of NH Plan F for a Male Age 65 is  $212.21 a month and the NH Plan G Medigap with Anthem is only $155.48- that's a savings of $56.73/month or  $680.76 annually. So with MOST NH Medicare insurers the savings far exceeds the added expense of the $198 Part B Deductible.
  4. Plan G Still Covers Excess Charges- Like the Plan F the Plan G DOES COVER EXCESS CHARGES! Now excess charges are not frequent- and also often not significant but conservative shoppers enjoy that extra protection.
  5.  Plan F has LIMITED ENROLLMENT in 2020 - After 1/1/2020 the Plan F will no longer be offered to new enrollees (see article). People who ALREADY HAVE PLAN F can keep it  after 2020. Also people who were eligible for Medicare prior to 12/31/2019 may apply Plan F.  What historically happens when a plan is no longer offered, or has limited enrollment the cost for that plan tends to increase. (The Medicare Supplement Plan J is an excellent example of this.) So if Plan G is going to be available in the future it is likely that the rates may be more stable. 
  6. Set it and Forget It- As a NH Medicare insurance agent who has  specialized in Medicare plans for over a decade I see seniors that are now in their 70's that still have the same Medicare Supplement plan they bought years ago. So for seniors looking for a long term solution- or plan that will fit for years to come- the Plan G supplement is an excellent idea. 
  7. Foreign Travel Benefit- When you buy the Plan G NH supplement you receive up to $50,000 in foreign travel benefits.

If you would like to learn more about the different NH Medicare Supplemental Plans that are available please give us a call at 603-882-2909.

See NH Medicare Supplement Plan G  additional information & resources:
NH Medigap Plan G 2020 Benefit Summary
NH Plan G - who has the best Rates for 2020? 
NH Medicare Supplement Quote
NH Medicare Blog 

Atlantic Insurance in Nashua helps seniors with ALL their insurance needs including special programs for home, car, umbrella, life insurance and of course Medicare Insurance plans.

NH Medicare Supplement Plans Compared Anthem, Aetna, CIGNA, Harvard Pilgrim & AARP United Healthcare.  See detailed NH Medigap Review for 2020

6/12/2020

 
by Stephen Donohue NH Medicare Supplemental Plan Agent           GET NH MEDIGAP QUOTE NOW

In New Hampshire, there are about 20 different insurers to choose from for Medicare Supplement (also called Medigap) plans. So, how do you make a choice? Here is our in depth review of 5 different insurers that offer Plans to Medicare Supplement shoppers in NH. Our review of these 5 POPULAR NH Medicare Supplement insurers will include what Plans they offer, Monthly Premiums, Financial Strength, Added Benefits and Discounts offered.

As you might know, Medicare Supplement Plans are STANDARDIZED PLAN DESIGNS, this means that the Plan G has the same coverage regardless of which insurer you buy it from. (To see the standard NH Plan G  Medicare Supplement benefit summary CLICK HERE).

With that said, not all NH Medicare SUPPLEMENTAL INSURANCE Companies are the same. Costs vary WILDLY from one insurer to another. Some NH Medicare insurers offer lower rates for women, and some offer significant discounts if a SPOUSE or HOUSEHOLD Member also enrolls.  Below, please find our 2020 REVIEW of (5) NH Medigap  Insurers.
Picture
 
Anthem Blue Cross Blue Shield of NH Medicare Supplement Plans  
Anthem is the largest health insurance company in NH, and has been an insurer here in NH for over 90 years. Anthem offers health insurance for individuals, small and large employer groups, Medicare Supplement, Medicare Advantage and Medicare Part D Plans.Today,

Anthem is also the largest writer of Medicare Supplement plans in NH - with over 30% of the NH Senior Supplement Market (see article here) and for good reason- Anthem offers great rates, a variety of payment options, excellent  claims payment and a high level of customer service.            

One unique Anthem statistic as of March 2020 Anthem covers 914,000 for Medicare Supplement plans nationally, 

Anthem NH Supplement Plans offered?  In NH Anthem offers Medigap Plans A  F  G and N  

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

Years in NH Medicare Market: 54                                               GET NH ANTHEM MEDIGAP QUOTE NOW

2020 Anthem NH Medigap Rates for  Plan G  Age 65 Female:  $141.36 month
2020 Anthem NH Medigap Rates for  Plan G  Age 65 Male:     $155.48 month 
(Rates include $2 EFT Discount)


One of Anthem's nice added benefits to their NH Medicare Supplement plan is the SILVER SNEAKERS PROGRAM (see video here) Silver Sneakers is a health & fitness plan with access to 17,000 fitness facilities throughout the US.

Anthem offers several payment methods including OLDE fashioned monthly paper bill that many seniors prefer.

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

​(For more info about how to apply for Anthem  Blue Cross NH Medicare insurance plans please call Steve Donohue at 603-882-2909)
Picture
Aetna Health & Life Insurance Company NH Medicare Supplement Review
Aetna is a name that people trust. With over 30 years experience in the Medicare Supplement market, Aetna  offers a great track record of customer service and great rates. Today Aetna serves over 36 million people nationwide for a variety of different kinds of insurance. See more specific info about Aetna's NH Medicare plans offered, financial strength, and special programs and discounts below.

Aetna Supplement Plans offered?  In NH Aetna offers Medigap Plans A  B F  G and N  

Financial Strength: AM Best Rating A (Excellent)           S&P Rating AA-

Years in NH Medicare Market: 7

2020 Aetna NH Medigap Rates for  Plan G  Age 65 Female: $136.86 month  
2020 Aetna NH Medigap Rates for  Plan G  Age 65 Male:     $157.44 month  


Discounts Offered: One of Aetna's most attractive features here in NH is that Aetna offers a 7% Household Discount ! ($). (Rumors are that Aetna might increase the discount soon!!)

Other Notes: One unusual thing with Aetna is that they are one of the only NH Medigap insurers that have a $20 application fee.


(For more info about how to apply for Aetna NH Medicare plans please call Steve Donohue at 603-882-2909)
Picture

Harvard Pilgrim Healthcare  NH Medicare Supplement Review 
In NH , Harvard sells supplement plans under the name HPHC Insurance company. Harvard Pilgrim Healthcare of New England is a regional insurer offering health insurance in NH, MA, ME, and CT. Like Anthem, Harvard Pilgrim Healthcare offers health plans to every person in NH. Harvard offers health insurance for individuals, small and large employer groups, Medicare Supplement and Medicare Advantage Plans. Harvard has over 35 years experience in offering plans to Medicare beneficiaries.

Harvard Pilgrim NH Supplement Plans offered?  In NH Harvard offers Medigap Plans A  F  G M and N  

Financial Strength: AM Best Rating Not Available             S&P  Rating Not Available

Years in NH Medicare Market: 40                                        GET NH Harvard Pilgrim  MEDIGAP QUOTE NOW

2020 Harvard Pilgrim NH Medigap Rates for  Plan G  Age 65 : $147 month  (same rate for MALE OR FEMALE)

Discounts
Harvard Pilgrim Healthcare offers a variety of DISCOUNTS including 35% off eyeglasses as well as a FITNESS CLUB REIMBURSEMENT

​
(For more info about how to apply for Harvard Pilgrim NH Medicare plans please call Steve Donohue at 603-882-2909)
Picture
 NH CIGNA Medicare Supplement Review
CIGNA offers health insurance plans throughout the US. CIGNA  sells NH Medicare Supplement plans under the name Loyal American Life Insurance Company.

CIGNA  NH Supplement Plans offered?  In NH CIGNA offers Medigap Plans A,  G and N  (F also for people who still qualify)
​​
2020 CIGNA NH Medigap Rates for  Plan G  Age 65 FEMALE : $166.78 month 
2020 CIGNA NH Medigap Rates for  Plan G  Age 65 MALE : $185.13 month 

​Financial Strength: AM Best Rating A (Excellent)     S&P Rating: n/a
​
Years in NH Medicare Market: 7                                  GET NH  CIGNA MEDIGAP QUOTE NOW
DISCOUNTS: 
CIGNA offers up to a 7% household discount.
CIGNA's Healthy Rewards, for real savings on vitamins, vision and hearing care, health clubs, alternative medicine, weight management and more.

NEWS: Cigna has recently had a rate reduction here in NH for supplement plans.

If you want more information please contact Steve Donohue at Atlantic Insurance 603-882-2909.
Picture
NH United Healthcare AARP Medicare Supplement Review
United Healthcare offers health insurance plans throughout the US. United Healthcare is the exclusive insurer of AARP Medicare Supplement plans here in NH. In addition to offering Medicare Supplement plans, United Healthcare ALSO offers small and large employer group insurance, Medicare Advantage and Medicare Part D Plans here in NH.

AARP United Healthcare NH Supplement Plans offered?  In NH United Healthcare offers Medigap Plans A, B, K, L, Plan G and N  (Plan F also for people who still qualify)
​​
​Financial Strength: AM Best Rating A (Excellent)           S&P Rating AA-

Years in NH Medicare Market: 22                            GET NH AARP United healthcare MEDIGAP QUOTE NOW

2020 AARP/United NH Medigap Rates for  Plan G  Age 65 FEMALE : $168.25 month 
2020 AARP/United NH Medigap Rates for  Plan G  Age 65 MALE : $168.25 month 

DISCOUNTS: 
Here in NH AARP United Medicare Supplement offers a 5% household discount.

If you want more information about applying for an AARP NH Medicare plan please contact Steve Donohue at Atlantic Insurance 603-882-2909.

    Contact Us

    (603) 882-2909
    375 Main St. Suite 100
    Nashua, NH 03060
    Click Here to Email Us

    Archives

    July 2020
    June 2020
    May 2020
    April 2020
    February 2020
    January 2020
    May 2019
    February 2019
    January 2019
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    October 2016
    August 2016
    July 2016
    May 2016
    January 2016
    November 2015
    September 2015
    August 2015
    May 2015

    Categories

    All
    Awards
    Events
    Local
    Partnerships
    Staff

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Privacy Notice Statement
Contact Us
Agent Login
Website by InsuranceSplash

Social Media

Facebook
LinkedIn
Twitter
Youtube
Google+
secure file sharing by ShareFile

Contact Us

Atlantic Insurance & Benefit Company
375 Main St. Suite 100
Nashua, NH 03060
(603) 882-2909
Click Here to Email Us

Location

Click here to view Map