bestMedicare AdvantageNew HampshireBest New Hampshire Medicare Advantage Plans
Updated: May 6, 2024
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MoneyGeek researched the rankings of Medicare Advantage Plans using the Centers for Medicare & Medicaid Services (CMS) five-star rating system. MoneyGeek then analyzed which is the best plan based on plan type, whether or not you need drug coverage and if you want to limit your out-of-pocket costs.
To find the best plan for your needs, shopping around and checking which treatment centers, hospitals and doctors fall within the network of the plans you are considering is advisable. The recommendations mentioned here are only a generalized overview of the available plans.
MoneyGeek also analyzed the best medicare supplement plans in New Hampshire for those focused on covering out-of-pocket expenses.
bestMedicare AdvantageNew HampshireBest Medicare Advantage Plans in New Hampshire
Best plan overall - Martin’s Point Generations Advantage
Best HMO plan - Martin’s Point Generations Advantage
Best plan without drug coverage - Martin’s Point Generations Advantage
Best plan for low out-of-pocket costs - Martin’s Point Generations Advantage
Best Medicare Advantage Plan in New Hampshire - Overall
When choosing a Medicare Advantage Plan, you need to consider your healthcare needs. If you want to buy a highly-rated PPO plan with six-core benefits and drug coverage, MoneyGeek’s research found that Martin's Point Generations Advantage Select is the best option. This plan is offered by Martin’s Point Generations Advantage.
Preferred Provider Organization (PPO) plans are known for providing huge benefits to the policyholders. The network of hospitals, treatment centers and doctors is usually wider under this type of plan. PPO plans also offer greater flexibility in exchange for higher premiums. You can also see a specialist without any referral with these plans.
Martin’s Point Generations Advantage
MoneyGeek evaluated different PPO plans in New Hampshire and found that the best option in the state is Martin's Point Generations Advantage Select. However, the best plan for you may vary based on your unique needs.
The plan has the following features:
- A monthly premium of $39
- Drug coverage
- 5 stars out of 5 on CMS rating systems
- In-network max-out-of-pocket limit of $6,700
With this plan, you will receive all the six-core benefits which include vision, dental, hearing, fitness, worldwide emergency and telehealth. The worldwide emergency benefit can be very useful for travelers. This plan has been highly rated on CMS and provides Part D drug coverage as well.
Best HMO Medicare Advantage Plan in New Hampshire
In New Hampshire, you can find the best HMO Medicare Advantage plan by evaluating your particular needs. MoneyGeek researched the best HMO plans that provide the six-core benefits, drug coverage and have the most number of stars on CMS ratings. The plan is Martin’s Point Generations Advantage Prime plan offered by Martin’s Point Generations Advantage ranked the highest according to MoneyGeek’s research.
HMO stands for Health Maintenance Organization. HMO plans are the most affordable option compared to other plans like PPO, PFFS and MSA. With these plans, you must stay in-network unless you have an emergency. You’ll also need a referral to see a specialist.
Martin’s Point Generations Advantage
While finding the best HMO plan will require you to evaluate your individual preferences and needs, MoneyGeek found that the best choice for HMO plans in New Hampshire is Martin's Point Generations Advantage Prime.
You can expect the following from this plan:
- A $0 monthly premium
- Drug coverage
- In-network max-out-of-pocket limit of $7,050
- The CMS has rated this plan with 5 stars out of 5
Martin's Point Generations Advantage Prime provides all six core benefits, including vision, hearing, dental, fitness benefits, worldwide emergency and telehealth. In addition to these benefits, this plan provides Part D drug coverage and has been well-rated by CMS.
Best Medicare Advantage Plan in New Hampshire Without Drug Coverage
If you are someone who doesn’t require Part D drug coverage, you can find more Medicare Advantage Plan options in New Hampshire.
According to MoneyGeek’s research, the best plan with high CMS ratings, six-core benefits and no drug coverage is Martin’s Point Generations Advantage Alliance from Martin’s Point Generations Advantage.
Martin’s Point Generations Advantage
If you do not need a drug coverage benefit on your healthcare plan in New Hampshire, then you can consider Martin’s Point Generations Advantage Alliance plan.
This plan offers the following:
- $0 monthly premium
- In-network max-out-of-pocket limit of $5,000
- Its overall rating is 5 out of 5 from the CMS
This plan offers all of the six-core benefits, which include hearing, vision, dental, fitness, Telehealth and worldwide emergency benefits. Apart from these, it provides other benefits for policyholders and has a high rating as per the CMS systems.
Best Medicare Advantage Plan in New Hampshire for Low Max Out-of-Pocket Costs
Most of the Medicare Advantage Plans in New Hampshire offer low or no monthly premiums. While this may save you money on premiums, you could have to pay a huge amount out of pocket during a medical emergency. Instead, buying a plan with a low in-network max-out-of-pocket limit can save your hard-earned money.
As per MoneyGeek’s findings, Martin’s Point Generations Advantage Select (PPO) plan is the best for low in-network max-out-of-pocket limit. This plan is offered by Martin’s Point Generations Advantage. The plan was highly rated on CMS and provides all the core benefits.
Martin’s Point Generations Advantage
MoneyGeek found that Martin’s Point Generations Advantage Select plan could be the best option in New Hampshire for residents who need a plan with or without drug coverage. We found plans by filtering out the ones with high MOOPs.
The plan offers the following:
- Monthly premium of $39
- In-network max-out-of pocket limit of $6,700
- Overall star rating the CMS is 5 out of 5
If a plan has a low MOOP, you will be protected from paying excessive costs if you have an expensive year for health payments. With the Martin’s Point Generations Advantage Select plan, after you reach MOOP $6,700, you do not have to pay any more for in-network coverage. Since this is a PPO plan, you will have a different MOOP for out-of-network coverage. For Martin’s Point Generations Advantage Select (PPO) plan, it is $10,000.
Medicare Advantage Plan in New Hampshire - Statistics
There are a total of nine healthcare organizations in New Hampshire that provide Medicare Advantage plans. The below-mentioned statistics will help you understand which plans are easily available and which are not in New Hampshire.
- 1
New Hampshire Medicare Advantage Plans are a mix of HMO, PPO and MSA plans, with 83.10% offering drug coverage
Health Maintenance Organization plans comprise 46.50% of the total plans in the state, while Preferred Provider Organization plans have a share of 47.60%. Additionally, 5.8% of plans in the state are Medical Savings Account Plans. Out of all the plans, 83.1% of the plans provide drug coverage.
- 2
41% of Medicare Advantage Plans in New Hampshire have a $0 premium
Hearing, vision and fitness benefits are common in New Hampshire, with most plans offering them
- 3
Hearing, vision and fitness benefits are common in New Hampshire, with most plans offering them
In New Hampshire, the most common benefits in Medicare Advantage Plans include hearing, vision and fitness. The rarest benefits in the state include in-home support, home safety devices & modifications and emergency response devices.
Methodology
MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in New Hampshire were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of New Hampshire based on county availability.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.