Here at Atlantic Insurance & Benefit Co., we take pride in providing expert advice, great service and a variety of coverage choices that help our customers meet their insurance needs. And now we’re excited to add to your options through our partnership with Safeco Insurance.
 
Safeco’s comprehensive insurance coverages includes flexible choices and competitive prices for cars home motorcycle recreational vehicles boats and classic cars and more!
 
Our relationship with Safeco and the ability to sell their products gives our cherished clientele the ease and quality of service we strive to provide each and every day, and we’re proud to offer our customers even more customizable coverages with Safeco.
 
Safeco Insurance products are sold exclusively through independent agents, like Atlantic Insurance & Benefit Co. We can offer personal recommendations tailored specifically to your unique insurance needs. And we’re ready to help today!
 
Give us a call at 603-882-2909, email us at steve@atlanticinsure.com or simply drop by the office at 375 Main St., Nashua NH to see what we can do for you. 

You can even request a quote online with our SafeCo quoting tool here:

by Steve Donohue NH Individual Health Insurance Broker and insurance writer

Today the NH insurance Department confirmed that Harvard Pilgrim Healthcare and Anthem will return to the NH Individual market- specifically noting that these insurers will BOTH offer plans on the NH Marketplace (also known as healthcare.gov).  However the big news is that Minuteman Health will NOT be returning to the NH Individual health insurance market in 2018. See Press release here.

Minuteman Health is a cooperative health plan that presently covers about 27,000 Granite State residents. Established in 2013, Minuteman initially emerged as a significant player in the NH individual Health insurance market. Focusing on a limited network of providers, and offering low cost silver plan designs made them an appealing choice for many individual health insurance shoppers.

However, in 2017 Minuteman hit financial difficulty. In June of 2017 Minuteman announced that it would stop writing business as of January 1, 2018 due to a significant reduction in capital. At that point leadership from Minuteman Health stated that they wanted to re-enter NH as a "for profit" health plan in 2018.

In August the Massachusetts Division of Insurance took control of Minuteman Health, placing them under a blanket of "receivership". (Receivership is when a state steps in to protect policyholders and providers when an insurance company is in financial distress. This measure is designed to bolster Minuteman Health so that they can meet obligations until the end of 2017.) Today it became clear that Minuteman Health would not obtain the funding required to create a new separate entity to offer coverage in NH for 2018.

What does the NH Individual Health Insurance Market look like now?
​See quick review below of the enrollment of members by the 4 current insurers who offer Individual health plans in NH. Today Minuteman Health is the 2nd largest insurer in the non group market.
(Source 2017 Marketplace Monthly Enrollment Report)




















​What insurers will offer NH Individual Health Insurance in 2018 marketplace?
As of today three other insurers, Anthem, Ambetter and Harvard have all confirmed that they will be offering health insurance in NH for 2018.

What can I do if I am a Minuteman Member?
Representatives from the NH Insurance Department and the Massachusetts Division of Insurance have stated that consumers covered under Minuteman now will not likely experience significant changes. Members and providers are encouraged to contact Minuteman Health as they have in the past for any issues.

The waiting is the hardest part... (Tom Petty)
Open enrollment  begins November 1, 2017 and ends December 15, 2017- this is the time when individuals can choose a new health plan for 2018. So if you are a Minuteman member you can select new coverage during open enrollment. The dilemma that some Minuteman consumers will face is changing insurers and likely seeing higher premium costs beginning January 2018.

If you have questions please call:

• Minuteman Health at 1-855-644-1776 
• NH Insurance Dept. Consumer Division at 1-800-852-3416

See Anthem NewsFlash  
​Anthem to offer Individual plans on the exchange in New Hampshire for 2018

Anthem Blue Cross and Blue Shield has been serving consumers in the Individual market for decades, and throughout that time our commitment to the residents of New Hampshire to provide access to affordable, quality health care has not changed. 

We were the only carrier to offer plans on the exchange in New Hampshire in its first year of existence, and we are pleased to continue offering Individual plans in 2018 that provide consumers with access to care statewide. 

You may have heard recently that we're leaving the exchanges in some other states. We want you to know we are making our participation decisions on a state by state basis, and are pleased to continue making these plans available in New Hampshire. 

Of course, recognizing the dynamics and level of volatility in the Individual market, we will continue to advocate solutions that support stability in the market. 

​​by Stephen J. Donohue RHU Nashua, NH Medicare Supplement Broker
​For many who are shopping for Medicare Supplement insurance plans in NH the decision will often come down to 2 plans, the Plan F or the Plan N. I want to start this comparison by saying that the here in NH the Plan F and the Plan N are both great Medicare supplemental plans. 

A quick refresher, Medicare is a federal health insurance plan that covers senior citizens and also some who are younger than 65 and are disabled. Medicare Part A provides coverage for Hospitalization and Skilled Nursing Home, and Part B covers doctors office visits, testing, Emergency Room and most other out-patient services (think oxygen, wheelchairs, tests etc).

What are the advantages to the NH Plan F Medigap coverage?

• Comprehensive Coverage
• Access to care at ANY DOCTOR THAT ACCEPTS MEDICARE
• LOW out-of-pocket costs at the hospital
• LOW out of pocket costs at the doctor
• Pays ALL Medicare Deductibles & Copays (Part A Hospital, Skilled Nursing Facility & Part B out patient)
• Pays Part B Excess charges
• Foreign Travel Emergency Benefit

Medicare Supplement Plan F in NH ?  See the 5 Lowest Cost NH Medigap Plan F Insurers Compared Here!

What are the Advantages to the NH Plan N Medigap coverage ?

• Comprehensive Coverage
• Access to care at ANY DOCTOR THAT ACCEPTS MEDICARE
• LOW out-of-pocket costs at the hospital
• MODEST out of pocket costs at the doctor (With Plan N  you can expect to pay the $183 annual deductible then up to $20 copay visit at the doctor and $50 at the ER)
• Pays ALL Medicare Part A Deductibles & Copays (Part A is Hospital & Skilled Nursing Facility)
• Foreign Travel Emergency Benefit
• Premiums are lower than Plan F (up to $70 month less!)

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.

What Insurance Company has the Lowest Medicare Plan N rates in NH 2017? See the Top 5 Best NH Medicare Supplement Plan N Insurers compared here.

If you want to learn more about NH Medicare Supplement or Advantage plans please call us at 603-882-2909.
 
Please See NH Medicare Supplemental Plan F and Plan N Benefits compared below: