by Stephen Donohue, NH Medicare Insurance Agent

Finding the Lowest Medicare Supplement Costs in New Hampshire
Navigating Medicare can be complex, and finding the most affordable supplement plan is crucial. This article provides a starting point for New Hampshire residents seeking the lowest 2025 Medicare Supplement rates.

LOWEST 2025 Rates for Age 65:

• Women:
  • Plan G: $163.81/month (Anthem Blue Cross Blue Shield)
  • Plan N: $121.00/month (First Health & Life Insurance)
• Men:
  • Plan G: $181.37/month (Anthem Blue Cross Blue Shield)
  • Plan N: $128.00/month (First Health Life & Health Insurance Company)

Important Notes:

• Rates Vary: These are rates for age 65 in NH. Your actual costs will depend on your age, health, and the specific plan you choose.
• Personalized Guidance: For the best rates tailored to your needs, contact Steve Donohue, a leading NH Medicare agent, at 603-882-2909 ext. 3.

Resources for In-Depth Research:

• NH State Insurance Department: Here is a link to the annual "NH Guide to Medicare Supplement Insurance Rates" for comprehensive rate information from 20 different insurers.
• Explore Plan Options: Visit my blog post for in-depth reviews of various New Hampshire Medicare Supplement plans.

Need Assistance?
Whether you're seeking a quote, comparing plans, or need help with the enrollment process, Steve Donohue is here to assist you. Contact him today at 603-882-2909 ext. 3 for personalized guidance.

by Stephen Donohue, Registered Health Underwriter and NH Medicare Agent
When someone reaches Medicare age, there are two different ways they can obtain coverage:

1. Original Medicare PLUS a Medicare Supplement and Part D RX: This option involves enrolling in Original Medicare (Part A and Part B) and then adding a Medicare Supplement (Medigap) plan to cover additional costs. Additionally, a separate Part D plan is needed for prescription drug coverage. In New Hampshire, there are currently 20 different insurers offering Medigap plans and 20 different Part D RX plans to consider.
2. Medicare Advantage PD: This is an alternative way of receiving Medicare benefits through a private company. These plans, also known as Part C, often include Part A, Part B, and Part D coverage in one package. In 2024 in most counties in New Hampshire, there are over 35 different Medicare Advantage plans available.

Medicare Advantage Enrollment Trends in NH
Over the past decade, Medicare Advantage enrollment has experienced significant growth, reflecting changes in policy and increased interest from beneficiaries. Let’s delve into the key trends and explore why more people are choosing Medicare Advantage plans.

Nationally, in 2023 the number of Medicare Advantage enrollees RECENTLY EXCEEDED the number of Traditional or Fee for Service Medicare enrollees. Recent estimates dated February 2024 on the CMS website show that in NH there are 338,834 Medicare beneficiaries here in the Granite State are considering 
Medicare Advantage.

See breakdown by plan type here in NH:
Original Medicare Fee For Service   221, 090   or  65.3%
Medicare Advantage Plans               117,744    or  34.7%       ​
​​​

Why the Surge?
Several factors contribute to the rise in Medicare Advantage enrollment:

1. Added Benefits: Beneficiaries appreciate the extra perks offered by Medicare Advantage plans. These include dental benefits, gym memberships, coverage for over-the-counter items, and eyeglasses/contact lenses.
2. Zero Premium Plans: Many Medicare Advantage plans are marketed with a 0 premium, although seniors still pay the additional Medicare Part B premium costs (typically $174.70 per month in 2024).
3. Aggressive Marketing: Insurers promote Medicare Advantage plans extensively through TV commercials, mailings, and online ads.

New Hampshire’s Experience

• Local Popularity: In New Hampshire (NH), the trend mirrors the national surge. More Medicare enrollees in NH are opting for Medicare Advantage plans.
• Plan Variety: Hillsborough County, NH, has seen a significant increase in plan availability. In 2017, only 11 plans were offered, but today, there are 38 Medicare Advantage plans available.
• County Variation: Enrollment rates vary widely across counties. Some factors influencing this variation include firm strategies, urbanicity, payment rates, and historical market penetration.​

Looking Ahead For 2024
 As Medicare continues to evolve, beneficiaries will likely have even more choices and benefits to consider.
​If you would like to learn more about the different Medicare options, please contact NH Medicare Insurance Agent Stephen Donohue at 603-882-2909.

See how our clients who buy Anthem's Medicare Supplement stay fit & get healthy with Silver Sneakers! 

This summer Atlantic Insurance & Benefit is offering a fun and delicious promotion. No purchase necessary, get an insurance quote and enjoy 2 scoops of Hayward's Ice-cream on us! 

To get a quote for Home, Auto, Umbrella, or any other insurance we offer please call us at (603) 882-2909, or visit our quote page here: ​https://www.atlanticinsure.com/quotes.html 

We've been running this promotion for several years now, and each year we give away hundreds of delicious Hayward's ice-cream. Pick up yours today!

by Stephen Donohue NH Medicare Agent

Point 32 Health is the name for the recently MERGED 2 long term regional health insurance companies here in New England: Harvard Pilgrim Healthcare and TUFTS Health Plan. This article is designed to summarize the 2023 Medicare products that will be offered by each insurer in MA and NH. 

"That’s why we’ve named our new corporate entity Point32Health. The Point32Health name is inspired by the 32 points on a compass. It speaks to the critical role we play in guiding and empowering the people we serve to achieve healthier lives." source Poin32Health.org

Even though Point 32 health is a new entity, the recognizable brand names TUFTS HEALTH PLAN and HARVARD PILGRIM HEALTHCARE will remain. If you live in NH or MA and you are an individual seeking Medicare coverage here are the kind of plans will they offer.
_________________________________________________________________________________________

NH Medicare Plans offered by Harvard Pilgrim Healthcare
For 2023 Harvard Pilgrim Healthcare will continue to offer BOTH Medicare Advantage and Medicare Supplement Plans in NH.

Harvard Pilgrim Medicare Plans in NH
For 2023, Harvard Pilgrim Healthcare will continue to offer their Medicare Supplement and Medicare Advantage Plans in NH. 

NH Medicare Supplement Plans
Harvard Pilgrim's Medicare Supplement rates are NOT gender specific, like some of the other insurers.
Harvard Pilgrim will continue to offer Medicare Supplement Plans F, G, M, N and A.
See a full review here of leading NH Medicare Supplement Plans. 

NH Medicare Advantage Plans
Harvard Pilgrim will continue to offer 4 Medicare Advantage Plan designs in 2023 in most counties in NH.

You can find more information about their plan designs at ​www.medicare.gov/plan-compare Important NOTE for 2023, Harvard Pilgrim Healthcare will NO LONGER OFFER their Harvard Pilgrim Stride Medicare Advantage plans in Carroll and Coos Counties. Current members who reside in one of these counties who are enrolled NOW in a Harvard Pilgrim Medicare Advantage Plan will receive a notice and be able to make a NEW PLAN SELECTION for 2023.

You may ALSO Visit Harvard Pilgrim Healthcare's website to learn MORE information about the 2023 Medicare Advantage Plans they will be offering in 2023.
https://www.harvardpilgrim.org/enroll/2023-plan-documents-medicare/
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Harvard Pilgrim Healthcare Medicare Supplement Plans in MA
In Massachusetts, Harvard Pilgrim will continue to offer three Medicare Supplement plans in 2023. 
Here is a list of MA Medicare Supplement plans offered by Harvard Pilgrim Healthcare:
Supplement 1
Supplement 1 A
Supplement Core

If you want to learn more or apply for coverage please visit link below: 
https://www.enrollhphc.org/M7L2X

__________________________________________________________________________________________
TUFTS Health Plan Medicare Advantage Plans for 2023 
For 2023 TUFTS Health Plan will offer several Medicare Advantage options. In MOST MA counties, consumers can choose from HMO and PPO alternatives. For example in Norfolk County MA Medicare beneficiaries may select from 8 HMO alternatives and 1 PPO plan.

If you want to review or apply for TUFTS Medicare Advantage plans you can do so here:
https://www.enrollthp.org/MX4I9
 
If you want to learn more about the different plans offered by EITHER Harvard Pilgrim Healthcare or TUFTS Health plan please call Stephen Donohue at 1-351-300-0142 then PRESS 3 - this is a line that is monitored for training and compliance purposes.


Disclaimer
While this is a news story, since there are links to enrollment portals I will include my standard disclosure for Medicare Compliance. By submitting the information, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare or other Insurance Plans.  This is a solicitation for insurance.
 

Here’s hoping you are all enjoying the lovely fall weather as we approach the ANNUAL ENROLLMENT PERIOD for Medicare (10/15/2022-12/7/2022).

For new and existing Medicare clients there is a NEW CALL RECORDING REQUIREMENT. Starting October 1, 2022 NEW MEDICARE MARKETING GUIDELINES require me to RECORD every phone call with a Medicare beneficiary.

This is easily ACCOMPLISHED by CALLING me at my NEW NUMBER:
 
1-351-300-0142 then PRESS 3 for me,
​Stephen Donohue NH Medicare Insurance Broker.

I will read you a quick disclaimer below- and the phone call will be recorded for posterity and compliance.
DISCLAIMER - This call may be recorded for quality assurance or training purposes. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Do not want to be recorded- NO PROBLEM- we can:
1. Meet in person
or
2. Correspond via email

Thanks for your understanding.

By Steve Donohue NH Medicare Insurance Agent
​
In 2022 here in New Hampshire there are 19 different insurers that currently sell Medicare Supplement plans but who has the largest market share? Most recent US Census  estimates show that 18.7% of the population of NH are seniors- and others estimate that as of 2020 there are more than 259,000 senior aged people living in NH.

See some handy facts below that we pulled from a report by the National Association of Insurance Commissioners report dated July 27, 2021.

• Anthem Blue Cross Blue Shield has the largest market share, with more than one in three choosing their Medicare Supplement plans.
• UnitedHealthcare® is the second largest with 28.7% of the NH Medicare Supplement Market

See calculations by insurer that are compiled using enrollment in both individual AND group plans.

See FULL report dated July 27, 2021 by the NAIC HERE.

​​With the growth of the NH Senior population we should expect an increase in the number of insurers that offer products for NH Medicare Supplement.  NH Medicare Advantage and NH Medicare Part D RX plans. With more competition usually comes more attractive rates and benefits for NH Seniors.
​ 
If you would like a to see an overview of the NH Medicare Supplement market for you, or a loved one,  please call us at 603-882-2909. You may also request a  NH Medicare Supplement ONLINE quote HERE.

Atlantic Insurance & Benefit Co. specializes in all kinds of insurance for seniors, including Home, Car, Umbrella, Medicare Supplement and Medicare Advantage.

​by Steve Donohue, NH Medicare Supplement Broker

If you are looking for Medigap Plans in New Hampshire you have several to choose from. In 2022  there are 19 different health insurers that offer a variety of different supplement plans including:

• Anthem Blue Cross Blue Shield of New Hampshire
• Aetna
• Harvard Pilgrim Healthcare
• CIGNA (aka Loyal American Life Insurance Company)
• UnitedHealthcare®

One of the most downloaded forms on the NH Insurance Department website is New Hampshire's Guide to Medicare Supplement 2022. In the most recent  version dated February 2023, you will see that the following popular plans are offered:

• Plan F
• Plan F+
• Plan G
• Plan G +
• Plan N
• Plan A

We realize with 19 insurance companies and several different plans, it can be overwhelming. Here at Atlantic Insurance & Benefit Company we specialize in helping seniors pick the NH Medicare Supplemental plan for their unique needs.

NH Supplement Rates vary by insurer, and here in NH the Medigap plan rates are also based on a person's age and gender. NH Medicare Supplement plan Insurers also offer the following discounts:

• Spouse 
• Household Discount
• EFT/ACH Payment
• Annual Pay In Full

If you are a NH Senior and need help navigating the many choices that are offered - and want to find what is best for you-- please call us at 603-882-2909 (extension 3) for your NH Medicare Supplement Quote today.

You can also request a NH Medicare Supplement quote HERE

We have several great articles on our website here-see info below:

See our Review of 5 Leading NH Medicare Supplement Insurers

NH Seniors Get Ready for Medicare

See 4 Year Rate History for Medicare Supplement Plans in NH (2019-2022)

Stephen Donahue is a Medicare insurance specialist in Nashua, NH. Steve has been working in health insurance since 1992.
​

by Steve Donohue NH Medicare Insurance Agent
Updated March 23, 2022!

If you are shopping for a Medicare Supplement plan in NH it is a good idea to see how insurers perform year after year. The table below helps you determine what kind of increases you can expect from EACH insurer. Not only have we shown rates for 2022 for the popular Supplement Plans F, G and N but we have ALSO shown the 4 year rate history for each of the leading Medigap insurers in NH. 

Below please find rates for Medigap Plans here in NH from 4 leading NH Supplemental insurers Aetna, Harvard Pilgrim Healthcare, Anthem Blue Cross Blue Shield AND  UnitedHealthcare®. 

It is important to note that in 2022 UnitedHealthcare®​ NH plans are NOW RATED by gender. So you will see a SIGNIFICANT change in costs, especially for FEMALE applicants. 

We find in 2022 many of our clients are considering the PLAN G as it represents a good value in terms of costs and benefits.

If you would like help with applying for a Medicare Supplement, or if you want to learn more about the many Medigap insurers we represent please call us at 603-882-2909 x 3. You can also request a quote with a  visit to our NH MEDIGAP QUOTE PAGE HERE for a RAPID quote of 5 leading insurers (Anthem, Aetna, Harvard, CIGNA and UnitedHealthcare®).

You can also see A DETAILED our REVIEW of 5 Medicare Supplement Plans in NH here.

Thanks for visiting Atlantic Insurance and Benefit Company, NH's leading Medicare Insurance Broker. 

 by Stephen J Donohue, Jr. State of NH Medicare insurance agency owner

Here at Atlantic Insurance & Benefit Company we are so pleased to have helped hundreds of people here in NH select the right Medicare Supplement or Medicare Advantage plan.

​In NH for 2020 there are 19 different insurance companies that sell State of NH Medicare Supplement plans.


One great tool for finding New Hampshire Medicare Supplement Rates is the NH Guide to Medicare Supplement Plans. This publication is assembled by the NH Insurance Department Annually, and usually updated  as plans or rats for NH Medigap plans change. You can download this report in a PDF showing State of NH Medicare Supplement Rates for 19 different insurers.

The NH Guide To Medicare Supplement publication shows rates and costs for varying plans (including NH Plan F, Plan G, Plan N etc.) offered by several insurers.

If you want a PERSONALIZED NH MEDICARE SUPPLEMENT QUOTE please visit our NH MEDIGAP PLAN RATE QUOTE PAGE and enter some basic info and we will be back in touch soon with a detailed quote for the top 5 Medicare insurers here in NH.

Thanks for visiting our website and be sure to call us with any questions we are here to help. We can be reached at 603-882-2909 extension 3, for Steve Donohue. 
___________________________________________________________________________________________
Also, please see some quick links below to helpful articles on our site:

NH Seniors Get Ready for Medicare

Plan G in NH- is it a good deal?

See Detailed Review of 5 NH Medicare Insurers Aetna, Anthem, CIGNA, Harvard and UnitedHealthcare®
 
Steve Donohue is a licensed State of NH Medicare health Insurance broker located in Nashua, NH. He is an independent agent that works with several insurers here in NH and throughout the Northeast. since 1992.

by Stephen Donohue NH Medigap Insurance Broker

Big news for anyone looking to buy Anthem Medicare Supplement Plans in New Hampshire. Starting April 18, 2020 New Hampshire's largest writer of Medicare Supplement plans, Anthem Blue Cross Blue Shield of NH, will begin to ask medical questions AND also offer tobacco/non-tobacco rates but ONLY IN CERTAIN CIRCUMSTANCES.



Good News Up Front
Not everyone applying will be subject to the new underwriting. Here are a few groups of applicants who will NOT NEED to answer questions, or be subject to tobacco rates. 

• NEW TO MEDICARE or in their INITIAL ENROLLMENT PERIOD 
• COMING OFF AN EMPLOYER GROUP PLAN 
• NEW to MEDICARE PART B
• Departing a Medicare Advantage Plan during the 1st year on that type of plan

The applicants in one of the scenarios listed above will be GUARANTEE ISSUE, meaning that they will NOT BE ASKED MEDICAL QUESTIONS and they will also not be subject to TOBACCO RATING.

So for people that are NOT within one of the GUARANTEE ISSUE scenarios, Anthem will Medically Underwrite their NH Medigap policy. In laymen's terms, Medical Underwriting means that  an applicant's approval- or - denial will be based upon their medical history and background. Anthem will ALSO be able to charge a higher rate for tobacco users.

What are the questions  that Anthem will ask..?
A review of the new application shows questions like...

• Are you currently confined, or has confinement been recommended to a bed, hospital, nursing facility...?
• Within the past two years, have you been:

                a. Hospitalized two or more times, been confined to a nursing home for a total of two
                weeks or longer, or been to the emergency room more than three times?
                b. Advised to have surgery that has not yet been done, or advised that you will need
                to be admitted to a hospital, skilled nursing facility or rehabilitation facility? 

See APPLICATION ATTACHED (PAGE 7) for MEDICAL QUESTIONS  ANTHEM WILL ASK NH MEDICARE SUPPLEMENTAL APPLICANTS.

Silver Lining to New Rules
One nice feature to this new underwriting method, is that it will open up Anthem Blue Cross Blue Shield's  NH Medicare Supplement Plan G to people who can qualify medically. (In the past only NEWLY eligible medicare applicants were eligible for this popular plan).

Here at Atlantic Insurance & Benefit we realize understanding the ins and outs of Medicare can be complicated.

If you have questions about Medicare, Medicare Supplement, Advantage or Part D RX plans- please give us a call today at 603-882-2909.

Or you can apply for a confidential  NH Medicare Supplement Quote online here.

__________________________________________________________________________________________________

See Some helpful Questions & Answers on Anthem NH Medicare Supplement rules below:

Q: If I have a Medicare Supplement Plan with ANTHEM NOW will this affect my coverage?
A: No

Q: How long does Medical Underwriting take?
A: Typically 1-2 business day. In periods of HIGH VOLUME,annual open enrollment it can take longer.

Q: Does Anthem go out to Medical Information Bureau to gather info on an applicant?
A: No.

Q: Will Anthem ask for an applicants height & weight?
A: No.

Q: What about specific conditions?
There are some medical conditions like Alzheimers and Cancer that can be considered when determining an approval or denial.

What are the questions asked?
Anthem has a NEW MEDICARE SUPPLEMENT ENROLLMENT FORM see copy of the enrollment form for 2020 HERE- page 7 for medical underwriting questions.

In a sentence, given the restrictions associated with CORONAVIRUS / COVID-19 people ho have health insurance in NH will be given access and coverage to REMOTE MEDICAL OFFICE VISITS VIA TELEHEALTH.

The NH Insurance Department has released an EMERGENCY DECLARATION that will give people who are insured under a  EMPLOYER GROUP or MEDICAID INSURANCE PLAN to access care remotely for the following kinds of visits...

Eligible Providers:
 Physicians/Physician Assistants/APRNs/Clinical Nurse Specialists/Nurse Midwifes
 Certified Registered Nurse Anesthetists
 Clinical Psychologists, Clinical Social Workers, Master’s Level Psychiatric Nurses
 School Psychologists licensed by the Board of Psychologists
 Pastoral psychotherapists, Marriage and Family Therapists, Clinical Mental Health Counselors
 LADCs, MLADCs, CRSWs, Applied Behavioral Analysts
 Providers licensed by the Board of Mental Health Practice
 Dentists, Community Mental Health Providers
 Registered Dietitians or Nutritional Professionals

Originating Sites: There are no restrictions. These may include, but are not limited to: Patient’s Home, Practitioner’s Office, Schools, Hospitals, Renal Dialysis Centers, Skilled Nursing Facilities, FQHCs/RHCs, Community Mental Health Centers, or The Doorways.

Reimbursement: Commercial carriers are directed to pay the same rate as if the service was provided face-to-face. Billing for the service delivered should follow routine practices as if the service was provided face-to-face. Documentation standards follow the regular standards as if the service was delivered face-to-face. 

SEE PDF for more information
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COVID-19 ATLANTIC INSURANCE AGENCY UPDATE---- During this time of national pandemic please know that our agency is set up to work remotely to avoid any unnecessary risks for our employees and clients. We remain open for business and here to serve our valued clients and to  represent our many insurance partners. 

Call us at 603-882-2909 with ANY QUESTIONS...

by Steve Donohue NH Medigap Insurance broker

Each year the NH Insurance Department releases an in depth report that details the different insurers that sell Medicare Supplement- or Medigap - plans including the various pricing  and which plans they will offer here in NH. It is called the NH Guide to Medicare Supplement Insurance.

For a NH Medicare insurance geek like me, I find it super helpful in determining which NH insurers will offer the best rates for the NH Supplement Plan G, Plan N and even the Plan F which will be offered but in a limited way in 2020 (please call me I at 603-882-2909 I can explain who can - and who cannot buy a Medicare Supplement Plan F in NH in 2020).

Want to know who has the best rates for NH Medicare Supplement Plan in New Hampshire for 2020?

See quick review of costs NH Medicare Supplemental insurance companies  with the LOWEST rates for the popular NH Medigap Plan G:

Female Age 65                 AETNA Health & Life Insurance Company has the best rates for 65 y.o. female
NH Supplement Plan G     136.86

Male Age 65                       Harvard Pilgrim Healthcare has the lowest rates for a 65 y.o. male in NH
NH Supplement Plan G      147.00

See LINK HERE to download the 2020 NH Guide to Medicare Supplement Insurance

Some quick facts about the NH Medicare Supplement Market for 2020:

• 20 Different Insurers will be selling NH Medicare Supplemental plans in 2020
• 19 of these insurers will offer the Plan G
• Some insurers will offer household discounts
• A limited number of people can buy the NH Medicare Supplement Plan F in 2020!
• Anthem Blue Cross Blue Shield has a Guarantee Issue for several of their NH Medigap plans for January, February and March 2020 

If you want to learn more about Medicare Supplement-or Medicare Advantage plans for sale in NH please call Steve Donohue today at 603-882-2909.
​  
Also visit other helpful articles here..
2020 NH Medicare Open Enrollment - 5 Tips for NH Seniors

2020 Nashua NH Open Enrollment Education Meetings

See NH Medicare Supplement Market Share by Insurer

​

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.
___________________________________________________________________________________________
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
 ___________________________________________________________________________________________
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!

​
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.
___________________________________________________________________________________________
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

​
 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. 

by Stephen Donohue, NH Small employer group health insurance broker

Who likes to save money on healthcare? I think everyone does.

Formerly known as SaveOn, the Reduce My Costs program is available for MANY of the NH Group Health Insurance Plans  offered by Harvard Pilgrim Healthcare.

Simply stated, the Reduce My Costs program is a toll-free number  (1-855-772-8366) that an eligible Harvard Pilgrim Healthcare member can call to get help shopping for medical care, including:

• Lab testing
• Mammograms & Bone Density
• MRI's  & CT Scans
• Out-patient surgery
• Other non emergency services

With this program NH Harvard Pilgrim members can speak with an experienced nurse, discuss the cost of an upcoming service or test and compare the lower cost options that are available. 

If the member is already seeing a low cost provider they will get a reward just for calling. If the member decides to change providers and get care from a lower-cost provider, he or she will earn a cash reward ($$!) depending on the service and the associated cost savings.

In addition to saving money, one other nice feature Reduce My Costs program is that the Nurse will ALSO assist with scheduling or re-scheduling and with any paperwork required. 

This program used to be called SAVEON. See popular SaveOn article that I wrote a few years ago. This article described the ACTUAL EXPERIENCE of one of my clients who paid $270 vs $2000 for an MRI. This story was featured by Harvard Pilgrim in some of their ads and brochures. 

See some helpful info about the Reduce My Costs program:

Toll Free # 1-855-772-8366

Link to Harvargpilgrim.org Website with more details on the Reduce My Costs Program

Reduce My Costs Flyer

If you are an employer and would like to learn more about how this program works please call Steve Donohue, Atlantic Insurance & Benefit Company at 603-882-2909.

                                  by Steve Donohue NH Small Group Health Insurance Broker

 

​Well, maybe I should say Anthem Blue Cross of NH "reintroduces" the $5 Office Visit Copay. (If you are my age you remember when you could see a doctor for Five Bucks!)  Welcome back $5 Copay! 

During the past 5 years out-of-pocket costs for health care have continued to rise- making it less affordable for people to get treatment. (See KFF.org article here)  

Today in the US, the average copay is $25 for Primary Care and $40 for specialist visits. However, in NH, it is common for employees to have office visit copays of $40 for Primary Care Doctor and $80 at the Specialist.

However, for the 3rd quarter 2019 Anthem Blue Cross Blue Shield in NH has introduced a new lower $5 Copay at the Primary Care provider with some of NH small and large employer  group health plans.

Here is how it works:

• Anthem has a system for reviewing and contracting with Primary Care Providers. Anthem calls this a "value based" model grades doctors on patient care, quality, reducing unnecessary or ineffective care and management of chronic diseases. Anthem's PREFERRED PRIMARY CARE DOCTORS have been identified as TOP PERFORMERS using this model

• At these select top performing providers Anthem is offering a lower $5 office visit Copay

See Anthem NH group health insurance plan $5 Copay BROCHURE HERE 

We have a listing of all the plans that Anthem is offering this $5 copay - and we are happy to offer health insurance quotes from Anthem and other insurers for NH employer groups of all sizes for both our existing, and new clients.

Keeping employees health and happy is what we do here at Atlantic Insurance & Benefit Company. If you want our help designing and managing your employee benefit program please give us a call today at 603-882-2909.

by Nashua, Manchester, Concord, Merrimack, Hudson NH Progressive Insurance Agent Steve Donohue

If you are a new Progressive client starting May 17th, 2019 there are some new enhancements to the NH Progressive Car Insurance products.

​  Call us at 603-882-2909 with any questions


Uber Lyft Ride Share
This is really exciting- we will share more info with you on  a separate news post -- but Progressive in NH will extend Coverage for Rideshare drivers, The  new Progressive Rideshare Insurance covers an individual driver who is logged into one or more Transportation Network Company (TNC) apps, such as Uber or Lyft, while driving a covered vehicle. The Rideshare endorsement covers the gap in coverage for drivers who are logged into a TNC app and are waiting to accept a trip request. If purchased, comprehensive, collision and roadside assistance coverages are extended through all phases of TNC activity. Call us for more info on coverage and deductible details.

New Recurring Payments Via Credit Card - Or Debit Card!
In NH Progressive Insurance is offering Automatic Card Payments (ACP) are here! - With this program  you’ll be able to pay with BOTH recurring credit and debit card options, in addition to recurring EFT options, for installment and paid-In-full billing. ACP is available at new business and renewal with a valid email address. 

Your Car has Technology- You Save $!
With Progressive's Smart Vehicle Technology Discount you save money when your car is equipped with Automatic Emergency Braking (AEB) as part of the manufacturer’s original factory build. Customers should receive this discount automatically based on the make and model of vehicles 2006 or newer.

Teen Driver Discount - Yikes!
Progressive NH Car Insurance has replaced their Minor Child Discount with a new Teen Driver Discount. This new discount will allow larger savings for teen drivers with clean driving records. Customers with Progressive longer than a year who then add a teen driver will see even a larger discount!!

For more info about how Progressive can help you save money on car insurance please call Steve or James at Atlantic Insurance at 603-882-2909.

(*for existing Progressive clients these benefits kick in for renewals AFTER July 5, 2019)

As much as we'd like to have the power to predict the future, we can't. Our best course of action, however, is to rely on data that indicates what's most likely to occur down the road. Nobody likes the feeling of missing the boat.

With the right information from Hagerty—insurance quote data, the frequency in which cars are added to policies, auction activity, and more—we can start to paint a picture of when prices for a particular model are on the verge of ticking up. After crunching the numbers, here are the seven cars that are overdue for a price bump.

1985-89 Ferrari 328 GTB/GTS
Median value for cars in #3 (Good) condition: $57,350
These cars essentially doubled in value since the early 2000s. Still, any “affordable” Ferraris can be a dangerous trap—the repair bills for a beat-up example could equal half what you paid. That reality makes any “cheap” Ferrari a difficult investment, even if the car appreciates 25 percent in a reasonable time span.

Twelve-month average auction sale prices for the 328 GTB/GTS peaked in August 2016 at $116,078. Today, that figure is down 31 percent to $80,592—equal to four years ago. It’s possible that buyers who were previously priced out 3–4 years ago can now get back in the game. Quote activity was up 11 percent in the final three months of 2018, which is a good sign for current demand, and quote value was up 3.8 percent in that period.

1991-95 Alfa Romeo Spider S4
Median value for cars in #3 (Good) condition: $16,700
Young buyers don’t seem to love the Spider S4, with 76 percent of quotes coming from Boomers and Pre-Boomers over the last 12-months, but that doesn’t mean it is doomed.

Spiders are being added to insurance policies at an increasing rate—between January ’18 and Jan ’19 the number added to policies increased 38 percent. Meanwhile, the average sale price at auction over this period increased 19 percent. The average quoted value of the car has been very consistent over the last 10 years, ranging only from $12,800–$15,800. It’s fair to say that these roadsters are due for value appreciation, after many years of chugging along in the background.

1968-71 Mercury Cyclone
1968 Mercury Cyclone, Mecum
Median value for cars in #3 (Good) condition: $16,200
Surprisingly, 85 percent more Mercury Cyclones were added to policies in this past year than in the one prior, and the quoted values were up 33 percent over the same period. Additionally, the average auction sale price over the last 12 months is up 37 percent compared to the previous year. The median #2-condition value has remained unchanged for the last four years, which is a good indicator of stability.

1949-67 VW Beetle
1973 Volkswagen Beetle, Hagerty
Median value for cars in #3 (Good) condition: $14,900
 
Amongst cars with 100 or more annual quotes from Gen X and Millennials, the 1949–67 Beetle is the only vehicle generation from the ’40s or ’50s with more than 60 percent of quotes coming from these younger demographics.
When Hagerty updated prices last September, median prices for #2 (Excellent) cars increased 26 percent. As those price creeps past the point where buyers are willing to throw money around, and big sales start happening more frequently, expect Excellent-condition cars to become more desirable than ever before.

1968-72 Oldsmobile Cutlass
1972 Oldsmobile Cutlass Supreme, Mecum
Median value for cars in #3 (Good) condition: $12,850
The Cutlass is tracking in the middle of the road for quote activity and the frequency in which it’s being added to policies, but the auction and private sale activity are strong. Why? Mainly because Barrett-Jackson offered a ton of them in Scottsdale this year (the 12-month count of cars coming to auction increased 33 percent versus when factoring in January results). Over the last year, average sale price is up 22 percent.

2005-08 Dodge Magnum
2008 Dodge Magnum SRT8, FCA
Median value for cars in #3 (Good) condition: $11,100
Around early 2017, auction prices for Magnums bottomed out, and the 12-month average sale price was $9682. Given the low price, these Dodges are flipping the script, possibly because of the rarity and appeal of a full-size family-hauler wagon with rear-wheel drive, available all-wheel drive, and up to 425 horsepower.

Insurance quote activity was flat until auction prices bottomed. Since January 2017 the 12-month sum of quotes increased 84 percent, while the average quoted price dropped 23 percent. Those are signs that more people are interested in the car because of its bargain value, but the buyers that are buying for collectibility and true value have yet to join the fray (and drive up prices).

Hagerty is starting to see people pay more at auction, though. Between February ’18 and Oct ’18 the average sale price at auction increased 50 percent, and the number of Magnums coming to auction is holding steady near the highest it has been (17 per year). As more and more people realize that Magnums are relatively affordable, look cool, and are very practical, expect demand to push prices further.

1983-92 VW Golf MKII
1983 Volkswagen Golf MKII, Volkswagen
Median value for cars in #3 (Good) condition: $4900
 
At a time when buyers are gravitating towards affordable, reliable, and fun cars from the ’80s and ’90s, the VW Golf is in a good position to appreciate. The positive data is rampant with quotes dominated by Millennials, who make up 56 percent of the requests—up 22 percent in just three months. That’s translating into more Golfs being added to policies, and that number is twice what it was this time last year. These increases have not yet translated into increased quoted or purchase values, which shows that buyers are still seeing them as bargain cars and trying to get in early. It shouldn’t be long before reality sets in and prices rise.

It is essential that RV owners complete a spring checkup to ensure a hassle free summer camping trip. Our RV insurance market partner, National General has provided us with this list of spring recommended checklist for our RV owning clients:

1. Exterior: The most frequently encountered issue with RV's in storage is water leaks. Inspect all the caulking to be sure it is not cracked or missing. This includes caulking around windows, doors, all roof vents and seams. Even the smallest crack will allow water to intrude, Wash the unit using proper cleaners so the surface is not damaged. Pay particular attention to the awning.
2. Interior: Give the interior a quick dusting and vacuum, checking all around inside for areas that may need cleaned.
3. Tires: Inspect tires for cracks on the sidewall and between treads. Replace tires if cracks are noted to avoid any blowouts while on the road. Check tire pressure per manufacturer recommended tire pressure which is located on a decal inside of your cabinet.
4. Appliances: Remove the outside access covers for the water heater and refrigerator. Inspect the burner assembly for any foreign debris such as spider webs and nests. Light air pressure from a compressor can be used to clean the burner area (do not blow high pressure up the refrigerator chimney).
5. Batteries: When in doubt please have a professional address. You should be wearing safety glasses and latex gloves, disconnect the shore power, have main cut off in off position before getting started:
   1. Clean corroded terminals, connections, and battery trays using hot water and baking soda.
   2. Check battery fluid levels where practical. Be careful with wiring if removing the batteries as positive and negative wires are not color coded often (use masking tape and a sharpie to flag). Remember that improper battery connections will lead to mass component failure. The goal here is to check batteries for fluid. Top fluid levels off with distilled water but pay attention as you don't want to overfill. Keep the level below the upper case fill ring.
   3. Have a professional complete a load test. Batteries must be fully charged before the test otherwise they will fail the load test. If the professional testing the battery does not check the state of charge, go elsewhere as the vendor is likely pushing to sell new batteries.
   4. If battery replacement is required always replace multiple battery banks together. Do not add an old battery to a new battery.
6. LP: Make sure the L.P. components turned off before proceeding forward. Turn the leak detector inside the RV on first and open the valve on the tank all the way. Smell around the area for leaks (can also use an electronic leak detector), using soapy water to check for leaks around the valve and regulator. If a leak is detected turn off the L.P. valve immediately and consult with a professional to repair the leak. Please note that sometimes seals dry out over the winter causing new leaks. Last but certainly not least, absolutely no smoking/flames/sparks while completing this step.
7. Water: The hot water heater bypass valve needs to be in the "normal" position and all faucets need to be closed prior to filling with water. Open a hot and cold water faucet during filling to allow the air to escape until the water flows steady. Inspect faucets, water heater over pressure safety valve, and the water heater drain plug for leaks.
8. Test fire appliances: With the L.P. gas leak detector on, start by lighting a stove top burner. This is the easiest flame to see, so you will know when it ignites and the air in the lines is purged. Light the other L.P. fired items, making sure the water heater is full before igniting.
9. Generator: Some newer generators have a prime function to run the fuel pump prior to starting. Hold the start-stop switch in the stop position, one the light in the switch is illuminated run the pump for about 20 seconds to deliver fuel to the carburetor. If the generator does not have a prime feature, you will have to crank it until it starts. Let the starter rest to cool after about 15 seconds of cranking. Cycle the starter until it runs. Let it run for a short time and check the oil level. Check the air filter to rule out any critters nesting from storage. Check the owner's manual for any other procedures.
10. Dump Hoses: Inspect the sewage dump hose. Dump hoses have a limited shelf life. Verify that the hose is in good condition with no tears or holes.
11. Waste tank valves: Run the waste tank valves while connected to a dump station. Valve seals can dry out making the valves difficult to operate. Slowly working the handle in and out in short increments may save replacing the valves. There are also additives for valve lubrication that can be added to the tanks.
12. Awnings: Simply operate awnings and inspect fabric. The spring tension may need to be adjusted if you have difficulty extending the awning. Spring adjustment is dangerous and we would highly recommend hiring a professional to address issues.
13. Water Heater: Remove the drain plug at the bottom of the tank and allow any sediment to escape with the water. Some models also have an anode rod that is part of the drain plug. With the tank drained check the anode for deterioration and rule out replacement. Inspect the rod and replace it if it is more than 75 percent depleted. Refer to the water heater's instruction manual for replacement details. Reinstall the drain plug and refill the tank before lighting the burner.
14. Freshwater Tanks: Should be sanitized by filling the water tank half full. Add a solution of 1/4-cup household bleach and 1 gallon of water for every 15 gallons of tank capacity. Open all the faucets until all air has been bled from the system and the water coming out has the odor of the bleach solution before shutting off the taps. After three to five hours, drain the water system and refill it with fresh water. Run water through all faucets and then drain the system again.
15. Radiator: Hoses to be replaced about every five years. Although they may look fine from the outside, many times they deteriorate inside first. They can then burst without warning and you fail to notice the temperature gauge, severe engine damage may result.

Summer is just around the corner. Taking the time to inspect and prep your RV can help you find items that need maintenance or repair and prevent breakdowns while in the middle of traveling. It is best practice to de-winterize your coach and get it ready for upcoming trips by inspecting the entire camper for any damage, address maintenance needed, and cleaning. It is better to find any problems with the RV camper during the spring checkup than when setting up hundreds of miles away from home. ​

GET NH RV MOTOR HOME OR CAMPER  INSURANCE QUOTE HERE

by NH Small Business Health Insurance broker Stephen Donohue 

As a broker who specializes in group health insurance here in NH I am often asked about Association Health Plans. Small and medium sized NH employers are hopeful that some day they will be able to get together with OTHER employers to get lower health insurance premiums.

The Affordable Care Act made it extremely difficult to create Association Health Plans- however- recent Trump administration efforts have relaxed the rules paving the way for these types of plans to be established.

There are currently 2 bills in the NH Senate that address association health plans, they are: 



Senate Bill 227
introduced by by Jeb Bradley R-Wolfeboro
designed to create more flexibility for small employer groups and would allow self-insured to participate also, with some consumer protections built in.

Senate Bill 228
introduced by Senate Majority Leader Dan feltes D - Concord
has more consumer protections and states that any new alternative would NOT cause rates in the individual market to go up.

Hearings for both Senate Bills are expected to be announced shortly.

If you want more information there is an excellent article written by Bob Sanders of the NH Business Review here.

by Stephen Donohue NH Medigap Insurance Specialist

Each year the NH Insurance Department publishes a consumer guide for New Hampshire Seniors to help them evaluate the NH Medicare Supplement market. The NH Guide to Medicare Supplement Insurance shows the cost per plan for each of the Medicare Supplement Plans listed below:

•  Supplement Plan A, Plan B, Plan C, Plan D, Plan F, Plan F+, Plan G, Plan K, Plan L, Plan M, Plan N

Want to know who has the best NH Medicare Supplement Rates in 2019- CLICK HERE?

For 2019 in NH Medigap Supplement Plans at the time of printing are offered by the following insurance companies:

1. Aetna Health and Life Insurance Company   
2. Aetna Life Insurance Company  
3. American Retirement Life Insurance Company (Agent and Direct Marketed) 
4. Anthem Health Plans of New Hampshire  
5. Central States Indemnity Company of Omaha 
6. Colonial Penn Life Insurance Company  
7. Combined Insurance Company of America 
8. Continental Life Insurance Company of Brentwood, TN 
9. Equitable Life and Casualty Insurance Company  
10. First Health Life & Health Insurance Company 
11. Gerber Life Insurance Company 
12. Globe Life and Accident Insurance Company 
13. Government Personnel Mutual Life Insurance Company 
14. HPHC Insurance Company 
15. Humana Insurance Company 
16. Loyal American Life Insurance Company 
17. Mutual of Omaha Insurance Company 
18. State Farm Mutual Automobile Insurance Company
19. Transamerica Life Insurance Company 
20. United American Insurance Company
21. UnitedHealthcare®
22. USAA Life Insurance Company 

Want to know which NH Medicare Medigap Plan Insurance company has special features like household  or spousal discounts, Silver Sneakers, Fitness Rewards and other things that NH Seniors find  attractive?

​If you want to find the 2019 NH MEDICARE SUPPLEMENT health plan that works the best for you please call Steve Donohue NH Medigap Insurance Broker at  603-882-2909.
You can DOWNLOAD A COPY OF THE 2019 NH Guide to Medicare Supplement Insurance HERE!