Medicare supplement insurance, also called Medigap, is a form of insurance that helps cover gaps in Original Medicare (parts A and B) coverage.

Residents of New Hampshire can choose from a range of Medicare supplement plans.

What is Medicare supplement insurance?

Here is a quick overview of Medicare supplement insurance:

  • Plans are sold by Medicare-approved private insurance companies.
  • You must have Medicare Part A and Part B to buy a Medicare supplement plan.
  • They help cover the out-of-pocket costs of Original Medicare; after Part A and Part B pay for a service, Medicare supplement plans cover the remaining costs.
  • You cannot have a Medicare supplement plan if you have a Medicare Advantage (Part C) plan.
  • There are 10 plan options, labeled A, B, C, D, F, G, K, L, M, and N. The benefits of each plan are standardized across the country, except in Massachusetts, Minnesota, and Wisconsin, which have unique standardization rules.
  • Plans C and F aren’t available if you turned 65 years old on or after January 1, 2020.
  • If you sign up for a Medicare supplement plan during the first 6 months that you have Part B, companies can’t deny you based on your health.

Since the benefits of Medicare supplement plans are standardized, plans in New Hampshire will have the same base benefits as similar plans elsewhere.

The main difference between plans offered by different insurers is the cost of the monthly premium. Some plans may offer additional benefits.

There are 22 companies currently offering Medicare supplement policies in New Hampshire.

The majority of companies offer plans A, F, G, and N. But all 10 Medicare supplement plans — as well as high deductible versions of plans F and G — are available to residents of New Hampshire.

Some of the companies selling Medicare supplement plans in New Hampshire include:

  • Aetna
  • Anthem
  • Cigna
  • Globe Life
  • Humana
  • State Farm
  • Transamerica
  • United American
  • UnitedHealthcare

For detailed information about insurers, 2025 plans, premium rates by age, and consumer tips, see New Hampshire’s Guide to Medicare Supplement Insurance. This document is prepared and updated by the New Hampshire Insurance Department.

The cost of a Medicare supplement plan in New Hampshire depends on a few factors, including the insurer, your sex, and your age.

The New Hampshire Insurance Department maintains a dashboard where visitors can quickly view the current premium costs of all Medicare supplement plans across the state. You can use the filters to find the most accurate quotes for your personal needs.

According to an analysis by health policy research group KFF, the average monthly premium cost for Medicare supplement plans in New Hampshire was $215 in 2023.

Alternatively, you can search for a Medigap plan using Medicare’s coverage finder tool.

According to the health policy nonprofit KFF, 44% of New Hampshire residents who were enrolled in Original Medicare also had a Medicare supplement plan in 2023.

Nationally, the most popular plans are Plan G and Plan F. Together, these plans accounted for roughly 75% of all Medicare supplement plans sold.

For further information about Medicare supplement plans in New Hampshire and personalized health insurance counseling, consider contacting ServiceLink at 866-634-9412. This is New Hampshire’s State Health Insurance Assistance Program (SHIP).