Anthem Blue Cross and Blue Shield of New Hampshire: Medicare Supplemental Insurance (Medigap)

Medicare supplemental insurance plans, also called Medigap plans, are intended to help Medicare-eligible seniors pay for the expenses that Medicare doesn’t cover. While Medicare provides coverage for most health care expenses, there are various costs that it doesn’t take care of, such as deductibles, co-insurance, and long-term care.

There are fourteen Medigap policies available for senior residents of New Hampshire, labeled as Plans A through L. Plan A provides the most basic benefits and is always the most inexpensive. Each subsequent plan contains at least the benefits offered by Medigap Plan A, plus various additional benefits.

Medicare supplemental insurance plans are sold through private insurance companies in New Hampshire, who may choose to sell any of the fourteen policies they choose, and who are able to set their own prices for the monthly premiums. For these reasons, it’s important that you shop around and choose a reputable insurer who offers the Medigap policy you need, at a competitive price, and with good customer service to back it up.

Anthem Blue Cross and Blue Shield of New Hampshire is one of the largest, most established, and most trusted insurance companies in the state. Anthem Blue Cross and Blue Shield sells six Medigap policies to senior residents of New Hampshire: Plans A, B, C, D, F, J, and high-deductible Plan F. High-deductible Plan F offers identical benefits as regular Plan F, but with a higher annual deductible ($1900 in 2008) and a lower monthly premium.

You should find out which Medicare supplemental insurance policy is best for your needs by speaking with a representative at Anthem Blue Cross and Blue Shield of New Hampshire, or the health insurance company of your choice. You do not need more than one Medigap policy for one person. If you find that the plan you sign up for does not meet all your needs, you should trade it for a different policy to avoid paying two premiums.