Two things to Consider when deciding what New Hampshire Medicare Supplement or Medicare Advantage Plan is right for you:

• Do you want your Medicare Supplement policy to cover all of your co-insurance and deductibles, regardless of cost?

• Would you like a Medicare Advantage Plan to cover health care needs that are not covered by Medicare? Hearing, Vision, Gym Membership and Dental at low or no monthly cost ?

Who is Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States. You might also qualify for coverage if you are a younger person with a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

• You are already receiving retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to receive Social Security or Railroad benefits but have not yet filed for them.
• You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

• You have received Social Security or Railroad Retirement Board disability benefit for 24 months.
• You are a kidney dialysis or kidney transplant patient.

While you do not have to pay a premium for Part A if you meet one of those conditions, there are deductibles for Part A. In 2020, the Part A deductible for days 1-60 is $1,408.00, 61-90 is $352.00, 91 and later using 60 using 60 reserve days beyond Coinsurance is $704.00, beyond lifetime reserve days you are responsible for all costs.

You  must pay for Part B if you want it. In 2020 the monthly premium for Part B is about $137.00 a month for most with incomes under $85,000 (single) and $170,000 (married). The deductible for Part B in 2020 is $198.00. The Premiums for part B are usually deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

Germain Insurance’s Medicare.com division is here to help guide you through the choices available for New Hampshire Medicare Supplement click here to get additional information from one of our experienced New Hampshire agents.

Still have questions about your eligibility for Medicare Part A or Part B, or if you want to apply for Medicare, call the Social Security Administration. The toll-free telephone number is: 1-800-772-1213. The TTY-TDD number for the hearing and speech impaired is 1-800-325-0778. You can also get information about buying Part A as well as part B if you do not qualify for premium-free part A.

Medicare costs use this URL (https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html)

medicare.gov https://www.medicare.gov/