There are several options for supplemental Medicare available in Concord, New Hampshire, and dozens of providers for those additional plans.

The three main types of optional Concord, New Hampshire Medicare are Medicare Supplement plans, Medicare Part D plans, and Medicare Advantage plans.

Concord, New Hampshire Supplemental Medicare Plans

There is no price standardization for the three primary types of supplemental Medicare because private insurance companies distribute the plans, unlike Original Medicare, which the federal government controls.

The costs for each plan will vary based on your provider, location, age, gender, and several other factors. The charts below show the average rates for a typical 65-year-old female Concord, New Hampshire, Medicare enrollee.

Affordable Medicare Advantage Plans in Concord, New Hampshire

Concord, New Hampshire’s Merrimack County has one of the densest populations of Medicare Advantage plans in the state.

Residents have 37 different plans to choose from, including several affordable options with no monthly costs.

Aetna’s Concord, New Hampshire, Medicare Advantage plan is one of the highest-regarded local PPO options in the state. It has a $0 premium and a $6,700 maximum out-of-pocket (MOOP) rate.

Medicare Advantage plans receive ratings from one to five stars grading their coverage effectiveness, and Aetna has three stars.

UnitedHealthcare has a popular HMO Medicare Advantage option with an identically priced $0 premium and $6,700 MOOP. It has a four-star rating. This plan also only requires a $3 copay for Tier 1 Prescription medications.

Martin’s Point’s MA plan has a perfect five-star rating on top of a $0 premium and $7,050 MOOP. It includes Part D prescription drug coverage with no copays. While out-of-network services will incur costs, those costs are relatively low.

PLAN PREMIUM MOOP Plan Type Star Rating
Martin’s Point $0 $7,050 HMOPOS 5
Aetna $0 $6,700 LOCAL PPO 3
Wellcare $0 $7,550 LOCAL PPO N/A
UnitedHealthcare $0 $6,700 HMO 4
Anthem BCBS $0 $6.900 HMO 3

Cheapest Medicare Supplement Plans in Concord, New Hampshire

Medicare Supplement plans, which providers commonly market as Medigap plans, are optional Medicare packages enrollees use to expand their Original Medicare coverage.

In Concord, New Hampshire, there are 12 options for Medicare Supplement plans, each with a different price and varying benefits. But because the federal government standardizes their coverage, providers can’t shift what comes in each policy, only the costs.

Plan F is the most popular Medigap plan in Concord, New Hampshire, but it’s also the most expensive. Beneficiaries can pay anywhere from $182.50 to $331.97 for Plan F monthly premiums, but these plans also have the most coverage. This includes up to 80% coverage for foreign travel medical services.

Concord, New Hampshire, Medicare users who want Plan F without the monthly costs can opt for High-Deductible Plan F (HDF), the same policy but with a high-priced deductible and lower premiums. Premium rates for HDF typically range from $38 to $83.02. While you have to meet a higher deductible with this plan, once you meet it you’ll have comprehensive coverage.

Plan N is a popular option with less coverage than Plan F, but it is cheaper as a whole. Plan N beneficiaries typically pay anywhere from $113.05 to $232.03 for monthly premiums. However, it doesn’t cover the Plan B deductible as other plans do.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $100.25 $230.84
PLAN B $144.75 $291.60
PLAN C $181.50 $307.71
PLAN D $147.31 $244.00
PLAN F $182.50 $331.97
PLAN HDF $38.00 $83.02
PLAN G $139.50 $302.44
PLAN HDG $38.00 $80.43
PLAN K $53.25 $151.04
PLAN L $95.75 $204.83
PLAN M $156.10 $259.85
PLAN N $113.05 $232.03

Average Medicare Part D in Concord, New Hampshire

Medicare Part D plans cover prescription drug costs for nearly all types of medication. These policies are popular with Concord, New Hampshire enrollees since no Medigap plans and only a handful of Medicare Advantage plans cover prescription medications.

Aetna’s Part D plan is one of the cheapest options in Concord. It has a $7.60 premium and a $480 deductible. The plan has a three-and-a-half-star rating.

Wellcare offers a popular Part D option with a $480 deductible and $11.90 premium. Copays start at $0 at many major pharmacies. The plan covers thousands of medications, including most generic drugs.

Humana’s four-star rated Medicare Part D plan is one of the highest-rated options in Concord. The average premium is $22.70, and it has a $480 deductible. This deductible goes down to $0 for Tier 1 and 2 drugs.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.60 $480 3
Wellcare $11.90 $480 3
Humana $22.70 $480 4
Elixir $28.30 $480 3
Cigna $29.60 $480 3

Medicare Special Needs Plans in Concord, New Hampshire

Medicare Special Needs Plans (SNP) are a subset of Medicare Advantage plans available in Concord for people with specialized medical needs. People with chronic disabilities or qualifying medical conditions can sign up for SNPs even before the standard qualifying age of 65. However, these plans aren’t available at every provider or location.

As you can see, Concord, New Hampshire has only one SNP option. It’s a local PPO plan from UnitedHealthcare with institutional eligibility, a $30.50 premium, and a $1,800 MOOP. The plan even covers rides to doctor visits and to pharmacies.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $30.50 $1,800 LOCAL PPO Institutional

FAQs

What is Medicare Part D in Concord, New Hampshire?

Concord, New Hampshire Medicare Part D plans cover costs for prescription drugs not included in Original Medicare Part B. Anyone in Concord with Medicare Part A, B, or both, is eligible for Medicare Part D.

Is Plan G available in Concord, New Hampshire?

Medicare Supplement Plan G is available in Concord, New Hampshire, and is one of the most popular plans among Concord beneficiaries. It covers everything in Plan F aside from the Part B deductible and generally costs anywhere from $139.50 to $302.44.

Do Medigap premiums increase with age in Concord, NH?

Some Medigap plans increase in price as you get older. However, those plans are rare in Concord, New Hampshire, and most local providers determine premiums based on your age when you enroll rather than increase them over time.

How to register for Medicare in Concord, New Hampshire?

You can apply for Original Medicare in Concord at the NH Department of Health and Human Services. You can learn more about the application process on their official website.

What does Medicare part B cover in Concord, New Hampshire?

Original Medicare Part B covers most hospital outpatient services like home care, durable medical equipment, and lab tests. Part B plans also cover some prescription drugs, but not nearly as much as a Concord Part D option.

How to Sign Up for Supplemental Medicare in Concord

Medigap.com makes it easy to find Concord, New Hampshire, Medicare plans, providers, and rates in just a few hours.

We work with all insurance companies and compare their rates and coverage specifics for you for free so that you can easily find the additional coverage you need to live comfortably.

Call our team today, or complete our convenient online rate form to get the best rates in Concord, New Hampshire today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.