As of 2022, there are 200,234 beneficiaries with New Hampshire Medicare Part D plans in the state. Of these beneficiaries, 162,971 have a stand-alone prescription drug plan.
Currently, 40,242 people have a Medicare Advantage prescription medication plan.
New Hampshire Medicare Part D plans for 2024
Medicare’s Part D plans are the parts of Medicare that cover prescriptions. These coverage benefits don’t come with Original Medicare. Instead, you’ll need to purchase a stand-alone plan from a private carrier.
In the following sections, we’ll detail New Hampshire Medicare Part D plans with the lowest premium in the state, a zero-dollar deductible, and a plan to offer gap coverage, which is ideal for low-income beneficiaries.
Part D plans with the lowest premium
New Hampshire offers many Part D plans featuring affordable premiums. Typically plans with low premiums will have no gap coverage.
Aetna offers the most affordable premium at $7.60 per month. Patients must pay a $480 deductible before their insurance provider covers prescription costs. This plan also has a three-star rating.
Another affordable option is Humana, with a $22.70 monthly premium. The plan offers no gap coverage but features a four-star rating, and you’ll also pay a $480 deductible to get coverage.
New Hampshire patients also consider Elixir when looking for affordable Part D plans. The plan features a $28.30 monthly premium. In addition to no gap coverage, you’ll pay a $480 deductible for this three-star plan.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $7.60 | $480 | 3 | No |
| Wellcare | $11.90 | $480 | 3 | No |
| Humana | $22.70 | $480 | 4 | No |
| Elixir | $28.30 | $480 | 3 | No |
| Cigna | $29.60 | $480 | 3 | No |
Part D plans with a zero-dollar deductible
A zero-dollar deductible typically means higher premiums, but you don’t have to wait for New Hampshire Medicare Part D coverage.
Aetna offers a zero-dollar deductible plan with a premium of $59.80 per month. It features a three-star rating but does include gap coverage.
Many New Hampshire residents trust Wellcare, another reputable carrier. Their Part D plan premium is $69 per month with no deductible. Unfortunately, they don’t include gap coverage with this plan.
Another option, Anthem, costs $72 monthly for a zero-deductible plan. This plan has the best rating of four out of five stars. You will get gap coverage with this plan.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Aetna | $59.80 | $0 | 3 | Yes |
| Wellcare | $69.00 | $0 | 3 | No |
| Anthem | $72.00 | $0 | 4 | Yes |
| United Healthcare | $93.20 | $0 | 3 | Yes |
Part D plans with gap coverage
Some New Hampshire Part D plans offer gap coverage. Top carriers include United Healthcare, Cigna, and Anthem.
A plan from UnitedHealthcare costs $29.90 monthly with a low $310 deductible. This plan’s four-star rating indicates its high overall effectiveness.
Cigna also offers gap coverage with its three-star plan. You’ll pay $60.80 monthly, with a $100 deductible.
Anthem is also popular for gap coverage. Patients pay $72 per month but have no deductible. This four-star plan features extremely low copays, making it especially worthwhile for those who need frequent medications.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| United Healthcare | $29.90 | $310 | 4 | Yes |
| Aetna | $59.80 | $0 | 3 | Yes |
| Cigna | $60.80 | $100 | 3 | Yes |
| Anthem | $72.00 | $0 | 4 | Yes |
| United Healthcare | $93.20 | $0 | 3 | Yes |
Part D plans with a Low-Income Subsidy
There are 37,529 beneficiaries in New Hampshire eligible for low-income subsidies. Plans may include gap coverage, but most don’t.
Wellcare features the lowest premium of $26 per month. This three-star plan also has a $480 annual deductible.
Humana offers a four-star plan for $30.20 monthly with a $480 deductible. There is no gap coverage, but Humana is a highly reputable name known for excellent customer services and plan availability.
Elixir is another carrier offering reduced plan expenses. You’ll pay a $30.50 premium and a $480 deductible. Although it does not feature gap coverage, beneficiaries are satisfied with this three-star plan.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING | GAP COVERAGE |
| Wellcare | $26.00 | $480 | 3 | No |
| Aetna | $29.00 | $480 | 3 | No |
| Cigna | $29.60 | $480 | 3 | No |
| Humana | $30.20 | $480 | 4 | No |
| Elixir | $30.50 | $480 | 3 | No |
Amount of beneficiaries that fall into each Part D coverage phase in New Hampshire
New Hampshire Medicare Part D comes with different coverage phases as you use your benefits and reach the deductible. The Coverage Gap Stage, or the “donut hole,” takes effect when you get your coverage limit. You’ll pay a percentage of all prescription costs during this phase.
The numbers in this chart represent the number of New Hampshire beneficiaries in each phase.
| Deductible Phase | Initial Coverage Phase | Coverage Gap Phase | Catastrophic Phase |
| 58,349 | 74,574 | 20,402 | 14,106 |
New Hampshire cities with estimated premiums for Medicare Part D plans
Estimated Part D premiums for different stand-alone drug plans are available below:
FAQs
What are the limits of Medicare Part D in New Hampshire?
The Initial Coverage Limit in New Hampshire is $4,430 as of 2022. Prescriptions higher in cost than this number enter the Coverage Gap Phase where you’ll pay 25% of your medication’s cost. Your carrier still covers the rest of the expenses.
Whom do I contact about receiving Extra Help to pay Part D Medicare in New Hampshire?
Some New Hampshire Medicare Part D enrollees may be eligible for Extra Help if they need additional financial assistance. This program helps beneficiaries with Part D afford copays, premiums, and more.
To see if you qualify for Extra Help, you will need to contact the Social Security office.
What is the most popular Medicare Part D plan in New Hampshire?
The Humana Walmart Value Rx Plan is the most popular New Hampshire Medicare Part D plan. This plan boasts a very affordable $22.70 premium, a $480 deductible, and a four-star quality rating.
Do I need Medicare Part D if I don’t take any drugs in New Hampshire?
Even if you don’t take drugs, it may be wise to enroll in New Hampshire Medicare Part D. If you don’t enroll in a Part D plan when you first become eligible, you could face a late enrollment penalty if you decide to enroll later.
What happens if I refuse Medicare Part D in New Hampshire?
If you decide to enroll later, you’ll pay a late fee by refusing Part D during your initial sign-up opportunity.
How much you pay correlates with how many months you were without coverage.
How to get help signing up for a Medicare Part D plan in New Hampshire
Talk to us today to get assistance enrolling in New Hampshire Medicare Part D. We have all you need to know about Medicare Part D and plans in New Hampshire.
Whether you need a low-premium or no-deductible plan, our licensed insurance agents will help you find the perfect one by comparing top carriers and their programs.
Call us today, or fill out our easy and fast online rate form to connect with the best rates in your area!
