Medicare-related Medigap Solutions

Understanding Your Benefit Options
Medigap Quote Request

If interested in quotes on popular, affordable Medigap plans, you can submit a quote request or call us NOW (603) 622-5700 to review your best available options with our local Independent Agent, who will shop on your behalf. There’s no obligation nor cost for our services.

Understanding Your Benefit Options

Before choosing a Medicare-related plan when you are approaching age 65 ( and earlier for some), we want to be sure you know the difference between your many options. In particular, how the popular Medicare Supplements (or Medigap) plans will cover your health needs vs. other alternatives eg. Advantage Plans. Its particularly important to understand this as there can be long term considerations for beneficiaries in NH.

Medicare Supplements (Medigap) plans: Of all NH Medicare Beneficiaries enrolled in Medigap or Advantage plan, on average, about 2 of 3 are enrolled in a Medigap plan (as of 2022). These plans complement your Original Medicare Parts A & B coverage, covering many of the out of pocket expenses not paid by Medicare. Some attractive features of these plans include the following:

  • Freedom to choose your own doctor, with no network restrictions (allowing access to ALL participating Medicare providers nationally)
  • NO referrals to a specialist is needed
  • Fills the gaps in coverage after Medicare, eg. deductibles, coinsurance, copays, which varies depending on which supplemental plan you choose.
  • In New Hampshire, ‘age’ is locked in as of your plan effective date, for rate purposes (so if you enroll at age ‘65’, you will continue paying age 65 rates as long as you do not change plans). You will just be subject to ‘general’ rate changes.
  • More complete coverage, with limited out of pocket costs after Medicare pays with only up to a $226 calendar year deductible for outpatient services in 2023.
  • Virtually no paperwork
  • Guaranteed renewability and coverage for life (except for non-payment, fraud, etc.)
  • Generally portable to other states, allowing you to take your plan with you if you relocate in the future.

Understanding your other available plan alternatives is also important, including Advantage Plans and Part D Prescription plans, and we can help you to do that to ensure that you get the plans that best fits your health needs and budget in the long term. We also direct you through the entire process including advising you as to when and how to apply for your Medicare Parts A & B to start the process. As Independent Agents, we represent many of the top rated, competitively priced insurers in New Hampshire, and can shop for you and provide FREE quotes on your best options. Don't hesitate to contact us at (603) 622-5700 and allow us to help make your transition to Medicare an easier and stress-free one. And, there is NO COST to you for our services.. and no obligation!