Serving Central and Southern New Hampshire
Call Us Today (603)527-8117
Buy Senior Insurance Today with Free Agents NH, LLC
We love our over 65 clients! Many of them came to us in search of affordable health insurance plans before the age of 65 and we are proud to say that we have earned their trust with independent, unbiased advice. When they age into Medicare, we help them identify the best Medicare Supplement or Advantage Plan and a part D drug plan.
Medicare can be a little scary with all of the health care options. Many clients show us stacks of advertising from companies claiming to be the best insurance company for their needs. We do this every day! We can sort through the options and identify the best plans for your needs, at the best price. Since we are paid by the insurance companies directly, you can be sure you are being shown all the affordable health insurance options available and are receiving unbiased advice at no cost to you.
Whether you work with us, an independent and unbiased insurance agent, or directly with the insurance company you can be sure that the price will be the same. Why try to do it alone?
What is Medicare?
Sorting out Medicare coverage, is a large and important part of your Retirement Planning. We have an increasing number of seniors aging into Medicare daily that are looking for a reliable insurance agent to help sort this out. Let Free Agents NH be that friendly, advisor for you!
Some of the important things to consider as you become Medicare eligible:
Medicare coverage alone is entirely inadequate and can leave you with a huge financial exposure.
You will need both Medicare Part A (hospitalization and skilled nursing care) and Medicare Part B (medical expenses in and out of the hospital including physicians, surgical services and supplies, physical therapy, diagnostic tests and durable medical equipment). Medicare Part A and Medicare Part B are not a complete solution. Alone, they can leave you with large deductibles and 20% cost sharing! Those unplanned expenses can spoil your retirement plans, but there are affordable solutions! Medicare Supplement Plans can help cover the costs not covered by Medicare Part A & Part B.
Medicare Supplement plans do just as the name implies- supplement the Medicare coverage. There are a range of plans from hospitalization only, to plans that include the hospitalization deductible and the 20% that Medicare Part B does not cover for your medical services. Selecting a plan is not as simple as it could be. Don’t rely on a familiar name to make your choice. As independent insurance agents we will guide you in your selection; considering lowest cost, household discounts (as high as 12% even if both spouses are not both enrolled), lowest likely cost increases, underwriting considerations and flexibility.
Medicare Supplement plans can offer peace of mind and worldwide coverage. It is so important to make the right decision when you first select your plan, because underwriting and higher prices as you age may make changing plans expensive. We can help you make the right choice the first time, before it becomes too expensive to select a more suitable plan.
Free Agents NH represents Aetna, Anthem Blue Cross & Blue Shield, Harvard Pilgrim, Mutual of Omaha, United Healthcare, AARP, Transamerica, Americo and more. Let us find the most suitable insurance plan for you. Why so many? They all are different in their underwriting and costs. Our job is to find the right Advantage Plans are a much lower cost option to Medicare Supplement Insurance.
(However; they have some features that need careful consideration.)
With Advantage plans, the insurance company becomes the primary payer rather than Medicare. They are often HMO’s with networks of providers. It is important to be sure that all of your important providers are included in the networks. Each company has a different network so we check healthcare providers first to determine suitability for your family. If you travel for extended periods of time, then
be aware. With some companies you could be out of network and only receive urgent or emergency care outside of the network. There are a few companies now offering healthcare services outside of the local HMO provider network, if you let them know about your travel plans. This is a very important consideration if you are a Snowbird or plan to become one.
Part D Prescription Drug plans are another important part of your healthcare decision process.
There are roughly 28 Medicare Part D plans available in NH. The reason that so many plans can survive is that each has a different formulary with different cost sharing. A plan that works well for your neighbor is not likely the best plan for you because, your prescriptions and where you shop is different! Do not rely on just a familiar name to make your decision. Lowest cost for the plan does not mean lowest total cost when you factor in deductibles and copays. We check every plan by entering your prescriptions and supply you a report that shows the costs of each prescription drug plan, so that you can make an informed decision. This is an absolutely FREE SERVICE to our clients.
Free Agents NH goes far above and beyond just a single enrollment in a Medicare Coverage.
We review with our clients annually to determine if adjustments need to be made to your Medicare plans, to get you the best that is available as your needs change.
We service all of New Hampshire with offices in Windham, NH and Laconia, NH.
Please give us a call, Free Agents NH 603-527- 8117.
You can come to us or we will be happy to visit you at your home.
Ready for your quote? Still have Questions?
Contact us using the form below and we will respond the next business day.
138 Appleton Street, Laconia, NH, 03246 5 Rockingham Rd, Windham, NH 03087
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