Medicare Basics

Looking for Information on Medicare?

If you’re confused about the various New Hampshire Medicare supplement insurance plans available to you, you’re not alone. With all the choices, it can seem a bit like alphabet soup. At The Lenny Dobens Agency, we help take the guesswork out of the process, work with you one-on-one to find out what your needs are, and help you find the best “bang for your buck.” We pride ourselves on helping our clients find substantial savings as we help identify the most affordable rates available on the market today.


*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.  Please contact or 1-800-MEDICARE to get information on all your options.

The Original Medicare Plans

When you turn 65, the original Medicare plans that are provided to you by the federal government are divided into two parts:

Medicare Part A

Think “hospital”
This plan will take care of you if you are hospitalized, or need a skilled nursing facility, hospice or a period of care in your home. There is an annual deductible and some coinsurances that must be met for Medicare Part A. This amount may vary year to year. Part A does not cost you a monthly premium as you have already paid for it through taxes during your entire working life.

Medicare Part B

Think “doctor’s visits” and “medical expenses”
This covers about 80% of your doctor’s visits or any care you receive as an outpatient, including medical supplies and preventative services. Medicare Part B also has a deductible that varies year to year. Part B has a monthly premium and the Social Security office can help you understand what your premium will be.

To cover the costs not paid for by Medicare Part A or B, many people look for a way to fill in the gaps. There are a couple of options to help with healthcare costs not covered 100% by Medicare Part A and Part B.