The Best New Hampshire Medicare Supplement Plans (2022)

There are 10 Medicare Supplement plans, also known as Medigap plans, for people in New Hampshire. However, the plan you can purchase will depend on when you became eligible to get a plan. In New Hampshire, Cigna and UnitedHealthcare are considered to be the best overall providers.

Furthermore, in New Hampshire, you cannot purchase both a Medigap and a Medicare Advantage. Medicare Advantage Plans in New Hampshire replace all Medicare plans, including Original Medicare.

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Last Updated: 7/1/2022
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Medicare Supplement plans for 65-year-olds cost an average of $146 per month and $218 per month for 75-year-olds. Plan F, which costs an average of $250.06 per month, and Plan G, which costs $164.20 per month, are the most popular plans due to their comprehensive coverage. However, Plan F is only available to those who were Medicare eligible before 2020.

The second most popular plan is Plan N, which costs an average of $151.30 per month for a 65-year-old and $206.93 for a 75-year-old. This plan provides comparable coverage, but it does not cover excess charges.

MoneyGeek assessed plans based on average premiums and benefits gathered via our methodology. If you want to learn more about types of plans and coverages, see MoneyGeek's guide to picking the best Medicare Supplement plan in New Hampshire.

iconribbonBestMedigapNew Hampshire2022

Best Medicare Supplement Plans in New Hampshire

Best Medicare Supplement Plan G in New Hampshire

UnitedHealthcare is the best Medicare supplement provider in New Hampshire for Plan G, with an average price of $158.50 per month. Note that MoneyGeek only ranks companies that provide online quotes. However, there are other companies in New Hampshire that may not provide online quotes but offer competitive rates.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $158.50

In New Hampshire, Medigap Plan G from UnitedHealthcare costs an average of $158.50 per month, which is much less than the $197.40 average cost of Plan G in the state. UnitedHealthcare's Plan G provides many benefits and discounts, including a dental discount, a vision discount of up to 10% off on contact lenses, a hearing discount and foreign travel emergency coverage, which covers transportation costs such as ambulance or airlift.

MORE ABOUT PLAN G IN NEW HAMPSHIRE

Navigate to learn more about Medigap Plan G in New Hampshire, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in New Hampshire

Medicare supplement Plan G costs an average of $197.40 a month in New Hampshire. Meanwhile, the cheapest provider, UnitedHealthcare, costs an average of $158.50 per month for a 65-year-old, while the most expensive provider, Cigna, charges an average of $175.90 per month. That means you might save up to $17.40 by shopping around.

The rates shown above, however, are for a 65-year-old model Medicare buyer. Plan G rates may vary based on your age when you buy the premium, your current age, discounts and underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $159
  • Harvard Pilgrim
    $160
  • Anthem
    $163
  • Cigna
    $176

Providers Offering Plan G in New Hampshire

Medicare supplement Plan G costs an average of $197.40 a month in New Hampshire. Meanwhile, the cheapest provider, UnitedHealthcare, costs an average of $158.50 per month for a 65-year-old, while the most expensive provider, Cigna, charges an average of $175.90 per month. That means you might save up to $17.40 by shopping around.

The rates shown above, however, are for a 65-year-old model Medicare buyer. Plan G rates may vary based on your age when you buy the premium, your current age, discounts and underwriting factors.

Providers Offering Plan G in New Hampshire

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing
  • Globe Life
    1-888-678-3403
    Issue-Age Pricing
  • Harvard Pilgrim
    (877) 907-4742
    Issue-Age Pricing

What Does Plan G Cover?

All Medigap Plans, including Plan G, are standardized and must offer certain benefits. However, Plan G does not cover Part B deductibles and only covers 80% of foreign travel exchange within your plan limits. Furthermore, some companies offer additional benefits aside from the standard coverages. For instance, UnitedHealthcare offers foreign travel emergency coverage.

Required Benefits of Plan G in New Hampshire
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in New Hampshire

In New Hampshire, Cigna offers the best Medicare Supplemental Plan F, with an average monthly cost of $259.38. Cigna also has a high-deductible Plan F that can lower your monthly costs to around $71.75.

Additionally, MoneyGeek only collected data from New Hampshire companies that provide online quotes. However, there might be more New Hampshire-based companies that provide lower rates than those that provide online quote tools.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $259.38

It costs an average of $259.38 per month for Plan F from Cigna, which is less expensive than the average monthly cost of $250.10 for the same plan in New Hampshire. As an added bonus, the company provides other services such as the Healthy Rewards Program, Health Information Line and Foreign Travel Emergency.

Cigna's high-deductible Plan F, which may lower monthly premiums to an average of $71.75 per month, is another good option for seniors on a strict budget. The deductible applies if you choose to pay for Medicare-related fees like coinsurance, copayments and deductibles out of your own pocket until you reach that amount.

MORE ABOUT PLAN F IN NEW HAMPSHIRE

Navigate to learn more about Medigap Plan F in New Hampshire, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in New Hampshire

In New Hampshire, the average monthly cost of a Medicare Supplement Plan F is $250.10 on average. State-wide variations in rates may be explained by a variety of factors. Age, provider and discounts are just a few factors to consider.

Cigna, with a monthly average premium of $165.60 for 75-year-olds, offers the state's lowest Medigap Plan F premium, while Anthem, at roughly $310.90, offers the state's most expensive monthly premium. For the same plan, there is around a $145.30 difference.

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  • Company
    Sample Monthly Rate
  • Cigna
    $166
  • UnitedHealthcare
    $302
  • Harvard Pilgrim
    $306
  • Anthem
    $311

Providers Offering Plan F in New Hampshire

In New Hampshire, 14 companies provide Medigap Plan F. However, not all of them offer online quotes. To get an estimate from a provider, use the contact information provided by MoneyGeek below. Pricing styles indicate which companies are likely to charge you extra because of your age.

Providers Offering Plan F in New Hampshire

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing
  • Globe Life
    1-888-678-3403
    Issue-Age Pricing
  • Harvard Pilgrim
    (877) 907-4742
    Issue-Age Pricing

What Does Plan F Cover?

Plan F, like other Medigap insurance, is standardized and must provide certain benefits. Although Plan F provides substantial coverage, it only covers 80% of foreign trip exchange within the limits of your plan. Different carriers may provide additional Plan F benefits. For example, Cigna's Healthy Rewards Program.

Required Benefits of Plan F in New Hampshire
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in New Hampshire

With monthly premiums of around $126.60, Cigna is the best option for New Hampshire seniors shopping for Medicare Supplement Plan N. Take note that our ratings take into account only companies that provide online estimates. Other providers of Plan N in New Hampshire may offer lower prices. You will, however, need to contact them directly to ask about their costs and coverages.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $126.60

In comparison to the average cost of Plan N at $179.10 in New Hampshire, Cigna's Plan N is much more affordable. Cigna also provides benefits that are not covered by the standard Plan N, such as Foreign Travel Emergency. This guarantees that you are covered by your Cigna Medicare Supplement plan if you need emergency medical treatment while traveling outside the United States.

MORE ABOUT PLAN N IN NEW HAMPSHIRE

Navigate to learn more about Medigap Plan N in New Hampshire, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in New Hampshire

In New Hampshire, Plan N costs an average of $179.10 per month. This rate is subject to change based on a variety of factors, including your current age and the age at which you purchased your plan.

For instance, a 65-year-old resident of New Hampshire may get the cheapest Plan N from Cigna at roughly $126.60 per month. Anthem is the most expensive Plan N provider, with a monthly fee of approximately $165.70. That's a difference of around $39.10 per month across companies.

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  • Company
    Sample Monthly Rate
  • Cigna
    $127
  • UnitedHealthcare
    $148
  • Harvard Pilgrim
    $165
  • Anthem
    $166

Providers Offering Plan N in New Hampshire

Plan N is available from 14 different companies in New Hampshire. Not all providers give estimates online, so comparing Medicare Supplement plans in New Hampshire is more challenging.

MoneyGeek has gathered the contact information for all New Hampshire Plan N providers so that you can pick the best option for you. In addition, we shared their pricing methods so that you can see which ones may charge more depending on your age.

Providers Offering Plan N in New Hampshire

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Americo
    888-220-7074
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Cigna
    1-855-891-9368
    Issue-Age Pricing
  • Colonial Penn
    1-877-877-8052
    Issue-Age Pricing
  • Globe Life
    1-888-678-3403
    Issue-Age Pricing
  • Harvard Pilgrim
    (877) 907-4742
    Issue-Age Pricing

What Does Plan N Cover?

All Medigap Plans are standardized, which means they must provide at least some coverage. Plan N does not pay Part B deductibles and only covers 80% of overseas travel expenses up to the maximum of your plan. Cigna's Plan N in New Hampshire includes Foreign Travel Emergency coverage.

Required Benefits of Plan N in New Hampshire
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in New Hampshire: Other Plan Types

In New Hampshire, Medicare Supplement Plans are not limited to Plan F, G and N. There are other less popular plans that few people buy because they have less comprehensive protection. These include Plan A, B, C, K, L and M. MoneyGeek found UnitedHealthcare to be the best provider for Plan A, B, C, K and L and Harvard Pilgrim for Plan M.

Anthem and Cigna also offer Medigap plans in New Hampshire and show quotes online. Note that if you first became eligible for Medicare after January 1, 2020, Plan C won't be available to you in New Hampshire or any other state.

The Best Medicare Supplement in New Hampshire - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $114.75

  • B

    UnitedHealthcare

    $164.75

  • C

    UnitedHealthcare

    $300.50

  • F

    Cigna

    $259.38

  • G

    UnitedHealthcare

    $158.50

  • K

    UnitedHealthcare

    $62.00

  • L

    UnitedHealthcare

    $109.50

  • M

    Harvard Pilgrim

    $194.00

  • N

    Cigna

    $126.60

How to Find the Best Medicare Supplement Plans in New Hampshire

In New Hampshire, Medigap Plans are a complicated subject. MoneyGeek gathered and evaluated price data from various companies to help you find the best carrier for your supplementary insurance needs. This infographic can help you compare Medicare Supplement plans in New Hampshire more easily.

New Hampshire Medicare Supplement Plans Comparison Chart

Medigap plans differ in terms of coverage and availability. For instance, Plan F and Plan C provide the most extensive coverage but are not available to new enrollees. Plan G or Plan D are your next best options.

You can use MoneyGeek's chart to compare Medicare Supplement plans in New Hampshire side by side. It demonstrates their coverage differences and their average cost.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in New Hampshire

The cost of Medicare Supplement Plans in New Hampshire varies depending on your plan of choice and the company. In New Hampshire, UnitedHealthcare is the most affordable for most plan types. Meanwhile, Cigna is the most cost-effective for Plan F, while Harvard Pilgrim is the most cost-effective for Plan M.

In New Hampshire, companies use the issue-age pricing style. This means that your premium depends on your age at the time of purchase. Your prices may rise due to other factors such as inflation, not due to age.

Average Cost of Medicare Supplement in New Hampshire

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $115
  • Cigna
    $130
  • Anthem
    $152

FAQs About Medicare Supplement Plans in New Hampshire

The best Medicare Supplement provider in New Hampshire is determined by the type of plan you select. Cigna is our Plan F and Plan N winner, while UnitedHealthcare took the top ranking for Plan G.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in New Hampshire for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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