Beneficiaries 65 and older can choose either Original Medicare or Medicare Advantage plans for their standard benefits. But to extend their coverage to be comprehensive, a Medicare Supplemental plan is the best bet for many Nashua, New Hampshire residents.
Let’s delve into the available Nashua, New Hampshire, Medicare supplemental plans.
Nashua, New Hampshire Medicare plans
Supplemental Medicare plans offer many benefits for Medicare beneficiaries. These plans can pay for costs traditional Medicare in Nashua, New Hampshire, does not cover. The plans below reflect quotes based on a 65-year-old female beneficiary in Nashua, NH.
Affordable Medicare Advantage plans in Nashua, New Hampshire
Many Medicare beneficiaries enroll in Nashua, New Hampshire, Medicare Advantage plans. The city of Nashua belongs to Hillsborough County, which offers 39 Medicare Advantage plans. These plans also include additional services such as vision, hearing, and dental.
The popular three-star plan from Aetna (Local PPO) has a zero monthly premium and a maximum out-of-pocket (MOOP) rate of $6,700. The next plan, Wellcare (Local PPO), has a MOOP rate of $7,550 with zero monthly premiums.
Martin’s Point (HMO) plan has a $0 monthly premium with a MOOP of $5,000 and a five-star rating, giving it the highest rating for overall plan effectiveness.
The Humana (Local PPO) four-star plan has zero monthly premiums and a MOOP rate of $4,800. Lastly, Harvard Pilgrim’s (HMO) four-star plan has a $0 monthly premium and a MOOP rate of $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 |
Average Medicare Supplement plans in Nashua, New Hampshire
The Nashua, New Hampshire Medicare Supplement plans cover out-of-pocket expenses not paid by traditional Medicare. Government standardization ensures that Medigap plan benefits don’t change based on state or carrier. However, the monthly premiums can change based on the provider or location.
People often choose the Medigap Plan G, with monthly premiums ranging from $139.50 to $302.44. Plan G offers excellent value with a low annual deductible.
Those who want the same benefits as Plan G with lower monthly premiums can opt for Plan HDG, which has a premium range of $38 to $80.43 per month; however, this plan also has a higher deductible.
The Medigap Plan F includes coverage for skilled nursing care and foreign travel emergencies. The plan premiums range from $182.50 to $331.97 per month.
Like Plan G and HDG, beneficiaries can enroll in Plan HDF to have the same benefits as Plan F but with lower premiums; Medigap Plan HDF premiums range from $38 to $83.02 per month.
| 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 |
Cheapest Medicare Part D prescription drug plans
Medigap does not provide drug coverage expenses, and not all Nashua, New Hampshire, Medicare Advantage plans offer prescription coverage. As a result, beneficiaries can enroll in standalone Nashua, New Hampshire, Medicare Part D plans.
A plan with Aetna costs $7.60 per month and has a $480 deductible with a three-star rating.
Wellcare’s Part D plan has a monthly premium of $11.90, a $480 deductible, and a three-star rating.
Lastly, Humana’s plan premium is $22.70 per month and has a $480 deductible. Humana is a reputable insurance company known for customer service and plan availability. The Humana Part D plan has a high four out of five-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
Special Needs Plans (SNPs) fall under Medicare Advantage plans. These subset plans provide coverage for beneficiaries with chronic disabilities and certain diseases. Keep in mind that not all providers and areas offer SNP plans.
Only one provider in Nashua, New Hampshire, offers SNPs. The UnitedHealthcare (HMO) plan has a monthly premium of $30.50 and a MOOP rate of $1,800 with institutional eligibility.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $30.50 | $1,800 | LOCAL PPO | Institutional |
FAQs
Which Medicare Supplement plan has the highest level of coverage in Nashua, New Hampshire?
Supplement plans don’t follow a one size fits all approach. In Nashua, New Hampshire, beneficiaries can choose from three popular plans: Medigap Plan F, G, and N. Generally, Plan F provides the highest coverage level.
What Is the best-known Supplemental plan in Nashua, New Hampshire?
Humana offers the best-known supplemental plans in Nashua, New Hampshire, with the largest provider network. Options include Medigap Plans A, B, C, F, G, K, L, and N.
How do I know if I have Original Medicare in Nashua, New Hampshire?
Check your enrollment status to determine if you have Original Medicare. The enrollment status shows you the plan details and the type of coverage you have.
To find out more, check your status online, through Social Security, or call Medicare directly.
What is the difference between Plan N and Plan G in Nashua, New Hampshire?
Medigap Plan G offers better coverage than Plan N. While Plan G premiums cost more, the added benefits provide long-term savings.
Plan N does not pay for Medicare Part B excess charges and copayments; you will pay a $20 copay for doctor visits and $50 for emergency visits.
Which Medigap plan offers the most coverage in Nashua, New Hampshire?
Medigap Plan F offers the most coverage in Nashua, New Hampshire. Plan F pays for out-of-pocket expenses, including deductibles, copayments, and coinsurance.
However, Plan F enrollment remains open only for those who became eligible for Medicare before January 1, 2020. For beneficiaries past the eligibility date, we recommend enrolling in Plan G.
How to sign up for Medicare plans in Nashua
To find the best supplemental Medicare plan for you, it’s important to compare your options. Our licensed insurance agents can help you do that by providing information on benefits and costs associated with plans in Nashua, New Hampshire.
Our experts are available to answer any questions and help you find the right plan for your needs. Their time is free of charge to you, so there’s no risk involved.
Give us a call today, or complete our easy and quick online rate form to get connected with the best rates in Nashua, New Hampshire.
