This page outlines Gerber Life Insurance Co Medigap Plans sold in New Hampshire. Gerber Life is licensed with the New Hampshire State Board of Insurance to sell Medicare Supplement insurance. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. The company has been selling supplements for more than 3 years. Their full range of plans for New Hampshire seniors are listed below. Gerber Life received an A rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
New Hampshire seniors with Medicare benefits are eligible to apply for a Gerber Life Insurance Co Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (New Hampshire)
- Genworth Life Medigap Plan A (New Hampshire)
- Harvard Pilgrim Medigap Plan A (New Hampshire)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in New Hampshire. Gerber Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in New Hampshire by comparing quotes from these insurance carriers:
- Genworth Life Medigap Plan F (New Hampshire)
- Continental General Medigap Plan F (New Hampshire)
- Harvard Pilgrim Medigap Plan F (New Hampshire)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Gerber Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Genworth Life Medigap Plan G (New Hampshire)
- Continental General Medigap Plan G (New Hampshire)
- Colonial Penn Medigap Plan G (New Hampshire)
You are eligible to apply for a Gerber Life Medicare Supplement if you are:
- A resident of New Hampshire,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Gerber Life offers plans in Manchester, Nashua, Concord, Derry, Dover, Rochester, Salem, Merrimack, Hudson and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on