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New Hampshire Health Insurance

 

All health insurance policies in New Hampshire are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

New Hampshire mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

A few years ago, New Hampshire started their high risk pool called the New Hampshire Health Plan.  It was designed to provide insurance to residents who are uninsurable or who are HIPAA eligible.  To qualify for the New Hampshire Health Plan you must be HIPAA eligible, been refused coverage by a private insurer, or be paying premiums that are higher than what they would be through the NHHP.

 

NHHP does not offer family coverage, just individual coverage.  So every member of a family would have to get an individual policy. The New Hampshire Health Plan offers 4 plan types: Indemnity and Managed Care.  The premium that you will be charged is no more than 150% of what a healthily person would pay to a private insurer.

 

NHHP does have a 9 month pre-existing clause for individuals when they first sign up.  If you are HIPAA eligible you will not be subject to these conditions.  For more information about the New Hampshire Health Plan call them directly at (800)578-3272

 

There are some other mandates made by the New Hampshire Department of Insurance.  Visit their website here.

 

                             Request a New Hampshire Health Insurance Quote

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New Hampshire Small Business Health Insurance

 

In New Hampshire, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in New Hampshire is also guaranteed issue, meaning that you can not be turn down for coverage.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against

 your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

When figuring out what is considered pre-existing under a New Hampshire small business health plan, it is only the treatments, symptoms, or diagnosis of anything that occurred within the last 6 months.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

New Hampshire does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

To qualify for a small business health insurance plan in New Hampshire, 75% of your eligible employees must sign up for coverage.

 

For additional information about Small Business Health Insurance in New Hampshire click here.

 

                               Request a New Hampshire Small Business Health Insurance Quote

 

 

New Hampshire Individual Health Insurance

 

All New Hampshire Health Insurance Policies have to cover newborn babies (for 31 days) and disabled children on their parent’s policies.

 

In New Hampshire, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also New Hampshire does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

If you are HIPAA eligible you are not guaranteed the right to buy individual policies in New Hampshire, though you are given the right to buy a plan from the New Hampshire Health Insurance Plan.

 

New Hampshire allows health insurance companies to include pre-existing conditions on their policies.  Insurance companies can either add an elimination rider, that eliminates all coverage for a pre-existing condition, or they can add a pre-existing clause for no more than 9 months.

 

When deciding what is pre-existing, a New Hampshire Health Insurance Company can not look back more than 3 months.  Genetic information is not considered pre-existing but pregnancy is.

 

Relative to Pre-Existing Conditions, Insurance companies in New Hampshire must give credit to prior credible coverage as long as there was not more than a 63 day lapse in coverage.  Employer imposed waiting periods can not be considered gaps in coverage.

 

The rates that an individual pays for a New Hampshire Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Healthy Kids is a New Hampshire insurance program.  It is designed to help insure all of the children in the state that find themselves uninsured. 

 

For additional information about Individual Health Insurance in New Hampshire click here.

 

                               Request a New Hampshire Individual Health Insurance Quote

 

 

New Hampshire Self Employed Health Insurance

 

In New Hampshire, self employed people are able to buy health insurance like any other small business.  Most times during the year, self employed people will be underwritten, but during open enrollment in September and March they will be offered coverage on a guaranteed issue basis.

 

Another option for affordable New Hampshire Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in New Hampshire click here.

 

                               Request a New Hampshire Self Employed Health Insurance Quote

 

 

Temporary New Hampshire Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a New Hampshire Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a New Hampshire Temporary Health Insurance Policy is much better than going with out health insurance. 

 

A common misconception is that since individual policies are guaranteed renewable than temporary policies must be also.  This is not true!  An insurance company can refuse coverage when you are reapplying for a temporary health insurance policy.

 

For additional information about Temporary Health Insurance in New Hampshire click here.

 

                                Request a New Hampshire Temporary Health Insurance Quote

 

 

What types of New Hampshire Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in New Hampshire that you have to go to for care.  Most New Hampshire HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most New Hampshire PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically New Hampshire PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In New Hampshire, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a New Hampshire Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically a New Hampshire Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with New Hampshire Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In New Hampshire it is mandated, by the state, that all companies that offer a New Hampshire Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A New Hampshire Cobra Insurance is typically available for a time period of 18-36 months.   In New Hampshire you are given 60 days to decide if you are going to take New Hampshire Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a New Hampshire Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a New Hampshire Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a New Hampshire Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a New Hampshire Self Employed Health Insurance Policy.   

 

 

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