NH Medicare Supplement Plans Compared Anthem, Aetna, CIGNA, Harvard Pilgrim & UnitedHealthcare®. See detailed NH Medigap Review (UPDATED 10/17/2024)

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

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