New Hampshire Medicare Insurance Plans
Medicare Supplement Insurance (Medigap) Policies
New Hampshire does not mandate plan providers to sell Medicare Supplement Insurance (or Medigap) policies to Medicare recipients under age 65. Some plan providers may still offer Medicare supplement options to those under 65, but they may charge higher costs or set other restrictions that do not apply to those 65 and older, or they may deny your application. In New Hampshire, Colonial Penn Life Insurance Company offers plans to eligible beneficiaries under 65.
New Hampshire Medicaid is the state health insurance program for low-income individuals and families. The New Hampshire Medicaid Care Management (MCM) Program allows Medicaid recipients to manage and coordinate their health care. Qualified individuals have the option to choose from two plans: WellSense Health Plan and New Hampshire Healthy Families.
Mini-COBRA Policies (Small Group)
Under New Hampshire law, small employers (less than 20 employees) are not required to offer health insurance continuation coverage for employees.
New Hampshire Medicare Savings Program
New Hampshire offers four Medicare Savings Programs that individuals who qualify may apply for through the New Hampshire Department of Health and Human Services Division of Family Assistance. The qualification standards are:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,001 or couples with a monthly income under $1,348 who are receiving Medicare Part A, the state pays all premiums, deductibles, copayments, and coinsurance for Medicare Parts A and B.
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income between $1,001 and $1,197 or couples with income between $1,348 and $1,613 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- Qualified Individuals (QIs):For individuals with a monthly income between $1,197 and $1,345 or couples with income between $1,613 and $1,813 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- Qualified Disabled and Working Individuals (QDWIs): For individuals with a monthly income under $4,009 and couples with income under $5,395 per month who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium for up to 48 months.
New Hampshire State Health Insurance Assistance Program
New Hampshire provides a Medicare Learning Center inside each ServiceLink Resource Center, located in every county in the state. Medicare Learning Centers provide information to Medicare beneficiaries and their caregivers to help them better understand their health care coverage options. Their certified specialists and volunteers provide free counseling and application assistance.
Low-Income Subsidy (ExtraHelp) for Prescription Drugs
In 2015, the low-income subsidy for Extra Help with prescription drugs in New Hampshire is $29.60.
If you live in New Hampshire and have questions about the benefits listed above or how to choose the health care coverage that is right for you, consult with one of our Medicare specialists for customized help. Our knowledgeable team members can help you and compare New Hampshire Medicare Insurance Plans to ensure you find the benefits that meet your needs.