In Manchester, New Hampshire, there are 177,610 enrollees in a supplemental Medicare plan. Of those 177,610 enrollees, 40,791 or 22.97% have a Medicare Advantage plan.

To better understand the best plan for you, we will discuss which supplemental Medicare programs are open for residents in Manchester, New Hampshire.

Manchester, New Hampshire Supplemental Medicare Plans

Enrolling in a supplemental Medicare plan can help enrollees supplement Part A and Part B. Enrolling in supplemental coverage provides beneficiaries with additional coverage to fill gaps that a standard Medicare plan won’t cover.

In Manchester, New Hampshire, 54.96% of Medicare Advantage participants are women, while 45.04% are men, with an average age of 72.

Cheapest Medicare Advantage Plans in Manchester, New Hampshire

Of the 177,610 beneficiaries in Manchester, New Hampshire, 40,791 chose to register for a Medicare Advantage plan. Hillsborough County in Manchester, New Hampshire, has 39 Medicare Advantage plans alone.

Aetna (Local PPO) provides beneficiaries with no monthly premium while operating with a three-star rating. The maximum out-of-pocket (MOOP) price is $6,700. A PPO gives beneficiaries the flexibility to see in-network and out-of-network healthcare providers.

Wellcare (Local PPO) plan also provides enrollees with no monthly premium. The MOOP rate for this plan is $7,550with an unknown star rating.

Harvard Pilgrim (HMO) is a local Medicare supplement plan for residents of Manchester, New Hampshire. It provides a zero-dollar monthly premium while having a four-star overall customer rating. The MOOP for Harvard Pilgrim is $6,700.

PLAN PREMIUM MOOP PLAN TYPE STAR RATING
Aetna $0 $6,700 LOCAL PPO 3
Wellcare $0 $7,550 LOCAL PPO N/A
Martin’s Point $0 $5,000 HMO 5
Humana $0 $4,800 LOCAL PPO 4
Harvard Pilgrim $0 $6,700 HMO 4

Affordable Medicare Supplement Plans in Manchester, New Hampshire

A supplemental Medicare plan, or Medigap plan, allows residents in Manchester, New Hampshire, to pay for additional medical costs that their standard Medicare plans don’t cover.

These plans are standardized from state to state because the government regulates them. The only difference across states is the change in monthly premiums.

Plan A is available for Manchester, New Hampshire, residents with a low premium of $137.25 and a high premium of $305.25.

Another popular plan is Plan G. Plan G has a low premium of $189.64 and a high premium of $404.53.

This plan is popular for its flexibility and because members aren’t required to pay a deductible under Part B.

Plan HDG (High Deductible G) allots beneficiaries with many similar advantages as Plan G but carries a deductible each month. The premium is lower than Plan G, ranging from $50.00 to $105.75.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $137.25 $305.25
PLAN B $198.00 $383.64
PLAN C $247.75 $372.62
PLAN D $189.38 $318.00
PLAN F $239.05 $437.45
PLAN HDF $50.00 $105.75
PLAN G $189.64 $404.53
PLAN HDG $50.00 $105.75
PLAN K $73.25 $178.80
PLAN L $130.75 $269.34
PLAN M $218.89 $348.97
PLAN N $147.05 $275.14

Average Medicare Part D in Manchester, New Hampshire

Many Medicare plans in Manchester, New Hampshire, do not cover the costs of prescription medications. Medicare Part D will provide this benefit for residents who want prescription drug coverage.

Medigap does not include prescription costs, so Plan D provides gap coverage. There are several popular Plan D packages to choose from below.

Aetna offers subscribers a low premium of $7.60 with a deductible of $480 and a three-star rating. A plan with Cigna requires a premium of $29.60 with a deductible of $480 and a three-star rating. Humana offers drug coverage for a premium of $22.70 and a deductible of $480. Humana has a four-star rating.

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 Manchester, New Hampshire

A Special Needs Plan (SNP) provides unique medical needs coverage not available through standard Medicare. Although SNPs are not available in all areas, they give beneficiaries with chronic disabilities or special needs the coverage they require for specialized care.

UnitedHealthcare (Local PPO) has a MOOP of $1,800 and a monthly premium of $30.50.

PLAN PREMIUM MOOP PLAN TYPE ELIGIBILITY
UnitedHealthcare $30.50 $1,800 LOCAL PPO Institutional

FAQs

Which Medigap plan offers the most coverage in Manchester?

Medigap plans include A, B, C, D, F, G, K, L, and M. Medicare Supplement Plans C and F are the most thorough and provide enrollees with the most coverage.

What is the least expensive Medicare supplement plan in Manchester, New Hampshire?

Plan K offers members the lowest monthly premiums of about $77 per month for cheap Medigap plans. Another great alternative is Plan N, which costs around $152 per month.

Can you switch from Medicare Advantage to Medigap in Manchester, NH?

Yes. There are certain times each year for members to switch without incurring a penalty fee.

Who is eligible for Medicare Advantage in Manchester, New Hampshire?

To qualify for Medicare Advantage in Manchester, New Hampshire, you must enroll in Medicare Part A and Part B. Residents 65 years and older and eligible for disability can enroll in a Medicare Advantage plan.

In addition, those with end-stage renal disease or amyotrophic lateral sclerosis (ALS) qualify for Medicare Advantage in Manchester, New Hampshire.

How common are the Medicare Part B excess charges in Manchester, New Hampshire?

In general, Medicare Part B excess charges are rare because over 96% of doctors in the U.S. participate in Medicare. Participation means that most doctors accept medical service prices and payment terms.

How To Sign Up for Supplemental Medicare in Manchester

When you are ready to enroll in a supplemental Medicare program, our trusted team of knowledgeable agents can assist you. Our staff will talk with you to see which plan is most suitable for your medical needs and budget. The best part for you is our agents’ time is free of charge.

So call us today. Or please fill out our form to get the best rates in Manchester, New Hampshire.

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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.