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by Steve Donohue, Car Insurance, Nashua NH agent

When Atlantic Insurance & Benefit Company represents any insurance company- we focus on the 4 following criteria:

1. Cost- We know that premiums are a major concern for our clients- so we make sure that our insurance companies are competitively priced.
2. Coverage- Getting the lowest premiums does NOT matter if the coverage is not adequate. So we ONLY offer products that will meet or exceed our expectations in terms of protecting our clients and their loved ones.
3. Customer Service/Claims- Any insurer is only as good as how they take care of a client when they have a claim or an administrative need (think billing/adding removing cars etc). We work with insurance companies here in NH that share the same customer centered values that we have.
4. Financial Strength The ability to PAY CLAIMS and offer a long term value to our clients hinges upon an insurance company's financial strength.

So we are pleased to share that one of our preferred insurers, Concord Group Insurance (a member of the Auto Owners Insurance Group)  has been upgraded by AM Best in an integral rating- on September 12th, 2019 AM Best a national financial rating organization has.

• The outlooks have been revised to positive from stable  
• FSR of A (Excellent) and The Long-Term ICRs of “a+” have been affirmed for the following members of Concord Group Insurance Pool:

Concord General Mutual Insurance Company
Green Mountain Insurance Company, Inc.
State Mutual Insurance Company
Sunapee Mutual Fire Insurance Company
Vermont Accident Insurance Company, Inc.

See copy of press release here.

If you want a NH Concord Group Car or Home Insurance Quote please click here- or call us at 603-882-2909.

Car insurance Nashua, NH agency Atlantic Insurance & Benefit Company is proud to represent Concord Group and it's affiliated organizations.  ​

by Steve Donohue, Nashua Medicare Insurance Broker

This fall during Medicare's Annual Open Enrollment Stephen Donohue, local Nashua Medicare insurance agent and owner of Atlantic Insurance & Benefit Company will be offering 2 EDUCATIONAL EVENTS to help Seniors better understand the NH Medicare choices for NH Seniors for 2020.

During the events, seniors will be given a tour of the NEW Medicare Find-A-Plan website, a tool that helps seniors investigate and compare Part D RX and Medicare Advantage plans.
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MEDICARE  OPEN ENROLLMENT EDUCATIONAL SEMINARS
 
DATES: Monday, October 21, 2019
              Wednesday, November 13, 2019

TIME:    2:00- 4:00 PM
 
LOCATION: Nashua Senior Activity Center 70 Temple St, Nashua, NH 03060
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Topics covered will include:

• Medicare Open Enrollment
• The Difference Between Medicare Supplement and Medicare Advantage Plans
• Status of NH Medicare Supplement Plan F in 2020
• Medicare.gov/find-a-plan website
• Additional Resources for Seniors

 
Refreshments will be offered!

These are educational meetings so there will be no sales or enrollment conducted. 

For more information, call Steve Donohue at 603-882-2909.

The seminars are free and open to the public. Sign up by visiting the Nashua Senior Center or contacting the Senior Center Front Desk at 603-889-6155.

NH Medicare Supplement Plans in 2020 who has best rates 2020 vs. who had the Best Rates for NH Medigap Plans in 2019?

UPDATED  on JULY 7, 2020
by Steve Donohue, Nashua , NH Medicare Supplement Agent

Do you want to know who has the best NH Medicare Supplement rates for 2020?
Well of the 19 different insurers that sell Medicare Supplemental policies in New Hampshire see lowest rates for common NH Medigap plans below. If you are shopping for a medicare supplement plan during the rest of 2020 see a quick overview of the best (lowest) rates for 2020 NH Medicare Supplement Plan F, Plan G and Plan N in the NH insurance market below:
 
            Age 65 Female        2020 State of NH Medicare Supplement Rates- lowest cost insurer       
            Plan F    $182.93     Aetna Health and Life Insurance Company
            Plan G    $136.86    Aetna Health and Life Insurance Company
            Plan N    $114.37    Aetna Health and Life Insurance Company
 
            Age 65 Male           2020 State of NH Medicare Supplement Rates- lowest cost insurer    
            Plan F    $200.00     Globe Life & Accident Company
            Plan G    $147.00    Harvard Pilgrim Healthcare
            Plan N    $122.03    First Health Life & Health Insurance Company

 * these NH Supplement rates were for age 65 as of today July 7, 2020 - rates are subject to change so please call us at 603-882-2909 if you want to confirm- or if you want to see how much a NH Medigap plan would cost you if you are older than 65!

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Additional NH Medicare Supplement Resources 
Also- please see a great resource the  NH Guide to Medicare Supplement Rates that is published by the NH Insurance Department annually. The most recent version of the Guide to NH Medicare Supplement rates document was was revised 01/23/2020.
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Please see 2020 (AND 2019!) NH Medicare Supplement rates for Anthem Blue Cross Blue Shield, Aetna and also for Harvard Pilgrim Healthcare below... 
We thought this year by year NH Medicare Supplement Comparison would help NH seniors see how the rates will increase by carrier each year.  Here are the 2020 NH Medicare Supplement Rates available for 3 leading NH Medigap insurers - we thought it might help you to see the 2019 AND 2020 NH Medicare Supplement Rates on a side by side basis for:

• Harvard Pilgrim Healthcare
• Anthem Blue Cross Blue Shield of NH
• Aetna Health & Life Insurance Company

See link for a helpful article on 2020 NH Medicare Open Enrollment
and
If you are NEW To Medicare- see 7 Helpful Ideas for anyone new to Medicare here in NH

UPDATE - SEE ARTICLE HERE THAT SHOWS THE 2020 NH MEDICARE SUPPLEMENT RATES for 19 DIFFERENT NH MEDICARE INSURANCE CARRIERS- you can also download the rates for ALL the NH Medigap insurers here in NH.

Should you have any questions about your NH Medicare Insurance, or want to evaluate the different Medicare plans that are offered please call Steve Donohue NH Medicare agent at Atlantic Insurance & Benefit Company in Nashua NH at 603-882-2909.

See 5 Tips for NH Seniors  2020 Medicare Open Enrollment
by Steve Donohue, Nashua, NH Medicare Insurance broker

As many of you know, the Annual Open Enrollment for Medicare begins 10/15/2019 and ends 12/7/2019. See 5 Tips for a successful 2020 NH Medicare Open Enrollment.

1. Keep an Eye out for your plan’s Annual Notice of Changes!If you are enrolled on a Medicare Part D RX PLAN or a Medicare Advantage Plan you will receive a notice form your EXISTING plan that outlines any cost or coverage changes for 2020. Plans are required to send this on or before September 30th.
2. Even if you are covered by an employer plan you MIGHT want to consider your Medicare options…The NH Market for Medicare plans offers more options each year- and with the increases in employer plan out-of-pocket costs some seniors find Medicare to be more attractive
3. Starting October 1st you can compare the 2020 version of current Part D RX plan with OTHER options If you have a Medicare Supplement with a SEPARATE PART D RX or a Medicare Advantage WITH PART  D RX please know that medications, costs, deductibles and coverage can change each year. Starting  October 1, 2019 you can visit the NEW MEDICARE PLAN FINDER  https://www.medicare.gov/find-a-plan  enter your zip code and RX -- this way you can check and see how your CURRENT PLAN and other plans will cover your medications in 202
4. Want to change the TYPE of Plan you have? This is what open enrollment is for.  Here is a quick list of changes that can be made at open enrollment. ​​​​                                                                                                           Anyone with Medicare Parts A & B can switch to a Medicare Advantage (Part C) plan.
            Anyone with Medicare Advantage (Part C) can switch back to Parts A & B.
          Anyone who has or is signing up for Medicare Parts A or B can join, drop or switch a Part D prescription     drug plan.
          Anyone with Medicare Advantage (Part C) can switch to a new Medicare Advantage plan.
5. Investigate new plans! Each year there may be NEW Part D RX Plans or new Medicare Advantage Plans offered in your area. If you live here in NH see the Medicare Advantage number of plans growth during the past 3 years.
   
   Year           # of plans
   2017          12 plans
   2018          19 Plans
   2019          26 Plans

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 Remember any changes made during open enrollment will kick in January 1, 2020.

If you have questions about NH Medigap Insurance,  NH Medicare Supplement or Medicare Advantage plans please call Steve Donohue at 603-882-2909.