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.
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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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