If you’ve been on disability in New Hampshire for two years, you may be in for a surprise—Medicare is about to swoop in automatically. For many, this comes with unexpected costs, confusing choices, and questions about how it works with Medicaid.
The good news? At Woodpecker Insurance, we know the Medicare landscape like a bird knows its favorite tree—and we’re here to peck away at the confusion until you’ve got a clear, solid plan.
Why You Get Medicare Automatically After 24 Months of Disability
Under federal law, anyone who has received Social Security Disability Insurance (SSDI) for 24 months is automatically enrolled in Medicare. This ensures you have access to health coverage, but the process can be confusing—especially if no one explains your options.
Think of it like an unexpected birdhouse showing up in your yard—you didn’t ask for it, but now it’s yours, so you might as well make it comfortable.
Medicare Part B Costs Are Going Up in 2026
In 2026, Medicare Part B premiums are projected to rise from $185.00 to $206.50 per month. This amount is automatically taken out of your Social Security payment unless you qualify for programs that help cover costs.
That’s why it’s worth checking if you qualify for financial assistance—because no one wants their nest egg eaten up by surprise costs.
Medicare Options for People Under 65 in New Hampshire
If you’re under 65 and on Medicare in New Hampshire, you might find that Medicare Supplement (Medigap) plans are expensive.
Many people choose a Medicare Advantage plan instead, because they often have:
- Lower monthly costs
- Extra benefits like dental, vision, and prescription coverage
- Maximum out-of-pocket limits for added financial protection
- We help you find a plan that fits just right—like a bird finding the perfect perch.
How Medicare Works with New Hampshire Medicaid
If you also have NH Medicaid, Medicare will be your primary insurance, and Medicaid may help with:
- Paying your Medicare premiums
- Covering deductibles and copays
- Providing benefits Medicare doesn’t fully cover
- Think of them as two birds working together to build the same nest—each carrying their share of the twigs.
Financial Help: Low Income Subsidy and Assistance Programs
If you qualify, the Medicare Low Income Subsidy (LIS) can significantly lower your prescription drug costs. In addition, New Hampshire hospitals and community programs offer patient assistance programs that can help reduce medical expenses.
We’ll help you spot these opportunities—because sometimes the best seeds are hidden under the leaves.
How Woodpecker Insurance Can Help
At Woodpecker Insurance, we specialize in helping people in New Hampshire transition into Medicare after disability. We can:
- Explain your Medicare options in plain language
- Review plans to find the best fit for your health and budget
- Coordinate Medicare with NH Medicaid
- Check your eligibility for LIS and other financial assistance programs
When it comes to Medicare, we’ll hammer away at the hard parts until everything makes sense—so you can fly into this next chapter with confidence. Contact us today to get started!