Of all beneficiaries with Medicare in New Hampshire, there are 55,245 total enrollees with a New Hampshire Medicare Advantage plan. Lebanon, NH, has a 15.09% participation rate, while Manchester’s rate is 22.97%.

Medicare Advantage plans in New Hampshire

In New Hampshire, Medicare Advantage plans provide all-in-one coverage for Medicare Part A and B. Some carriers may also offer prescription medication coverage. Each plan varies depending on your location and provider, so ensuring you understand your plan’s benefits is crucial.

Thirty-nine total Medicare Advantage plans are available in New Hampshire; however, this number will vary depending on the county.

New Hampshire Medicare Advantage plans vary across states, contrasting Medigap. Plan availability and inclusions depend on a specific ZIP code. Only certain programs may be available depending on the ZIP code that applies to you.

In the following sections, we’ll discuss Medicare Advantage plans with a zero-dollar premium, zero-dollar drug deductible, one with a five-star rating, and some with reduced Part B costs.

Medicare Advantage plans with a zero-dollar premium

A zero-dollar premium is ideal for people who don’t need regular medical care as it comes with a higher deductible. The following plans have no monthly premium.

Martin’s Point (HMO-POS) has a perfect five-star rating and a zero-dollar monthly premium. You can pay up to $7,050 maximum out-of-pocket. New Hampshire beneficiaries choose this carrier for its abundance of highly-rated plans.

You can also consider Aetna (Local PPO) for its three-star rating, no premium, and $6,700 MOOP. Low-cost copays increase your savings even more.

United Healthcare (HMO) offers an excellent option with no monthly premium. Patients have a MOOP of $6,700 for four-star-rated benefits. This plan also includes prescription drug coverage.

Martin’s Point $0 $7,050 HMO-POS 5
Aetna $0 $6,700 LOCAL PPO 3
Wellcare $0 $7,550 LOCAL PPO N/A
United Healthcare $0 $6,700 HMO 4
Anthem BCBS $0 $6.900 HMO 3

Medicare Advantage plans with a zero-dollar drug deductible

Aetna (Local PPO) offers a zero-dollar drug deductible and monthly premium. The plan also has a $6,700 MOOP. Another option from Aetna is an HMO with a four-star rating and the same MOOP costs.

Patients often choose UnitedHealthcare (HMO) for its four-star rating, indicating excellent performance. The plan has a $6,700 MOOP.

Humana (Local PPO) has a premium of $59.60 per month. However, maximum out-of-pocket costs are significantly lower, at $4,800. This plan also has a high four-star rating, indicating impressive overall effectiveness.

Aetna $0 $6,700 LOCAL PPO 3
United Healthcare $0 $6,700 HMO 4
Martin’s Point $0 $7,050 HMO-POS 5
Aetna $0 $6,700 HMO 4
Humana $59.60 $4,800 LOCAL PPO 4

Medicare Advantage plans with a 5-star rating

If your ZIP code has a five-star plan, you may be eligible to switch to it from a lower-rated Medicare Advantage plan through a Special Enrollment Period. Eligibility depends on when your previous coverage ended or if you previously moved.

For New Hampshire residents, Martin’s Point (HMO-POS) offers the only five-star plan in the state. Patients have a zero-dollar premium with this plan. They’ll pay up to $7,050 maximum out-of-pocket, providing benefits like vision coverage and doctor’s visits.

Martin’s Point $0 $7,050 HMO-POS 5

MA plans with a Part B reduction

Not all Medicare Advantage plans cover the Part B premium. Some New Hampshire Medicare Advantage plans with a Part B giveback reimburse all or part of the cost.

Wellcare offers a zero-dollar premium and a $7,550 maximum out-of-pocket. Although the plan has no star rating, Part B’s monthly premium reduction is $45.

Martin’s Point offers the greatest reduction of $60. Patients also have a zero-dollar premium and $5,000 max out-of-pocket for this five-star plan.

Humana features a four-star rating indicating excellent performance. Its zero-dollar premium and $4,500 MOOP with a $50 Part B premium reimbursement make it a popular option for those looking to save on their monthly Medicare costs.

Wellcare $0 $7,550 $45.00 N/A
Martin’s Point $0 $5,000 $60.00 5
Humana $0 $4,800 $40.00 4
United Healthcare $0 $4,500 $40.00 3
Humana $0 $4,500 $50.00 4


Medicare Advantage plans may include benefits that Original Medicare and Medigap don’t offer. You may also get dental, vision, or hearing coverage depending on your programs. Some plans also cover prescription drug costs.

New Hampshire cities with estimated premiums for Medicare Advantage plans

Estimated premiums for different Medicare Advantage plans for the cities shown can be accessed below:


How do you apply for Medicare in New Hampshire?

Some people automatically get Medicare in New Hampshire, but others must apply. To apply for Medicare in New Hampshire, visit your local Social Security office to fill out a paper form.

Alternatively, you can apply online or by phone. Another option is to print out the application and mail it to Social Security.

What is the best Medicare Advantage plan in New Hampshire?

The best Medicare Advantage plan in New Hampshire is a plan from Blue Cross Blue Shield. This plan features a rating of four and a half stars, indicating excellent performance. The plan also has an A+ rating from the Better Business Bureau.

The second-best option is from Aetna. However, choosing the best plan for you depends on your unique insurance and financial needs.

Who qualifies for Medicare in New Hampshire?

You qualify for Medicare in New Hampshire if you’re 65 years old or have a disability that makes you eligible. Qualifying chronic conditions include End-Stage Renal Disease and ALS, or Lou Gehrig’s Disease.

To qualify due to disability, you must receive a minimum of 24 Social Security checks and meet the plan’s eligibility requirements.

What does Medicare Advantage cover in New Hampshire?

In New Hampshire, Medicare Advantage covers Part A and Part B expenses, and some plans may include prescription drug coverage and insurance for dental, vision, or hearing exams. Other benefits include mental health services and gym memberships.

How much do they take out of Medicare in New Hampshire?

New Hampshire beneficiaries have lower spending rates than the country’s average for Original Medicare. The average yearly amount was over $8,500.

How to get help enrolling in a Medicare Advantage plan in New Hampshire

To get help enrolling in a New Hampshire Medicare Advantage plan, contact the experts at Medigap.com. We understand the ins and outs of Medicare Advantage in your state and can help you find the perfect plan. We work with New Hampshire’s top carriers.

Whether enrolling in Medicare Advantage for the first time or switching plans, understanding their details is essential to choose a suitable option.

Call us now, or quickly complete our online rate form to receive the best rates in your area.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.