New Hampshire Health Insurance

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New Hampshire Health Insurance

Nowadays health insurance is generally classified into two broad categories: individual and group. Those who prefer individual insurance are mostly self-employed, or are employed by a company that does not have provision for a health insurance policy, or who own a family and who require individual insurance for their family members. When you buy an individual policy, you need to pay a yearly premium as well as a deductible for each insured dependent, up to a base amount. On the other hand, if you purchase a group policy, you are required to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurer begins paying for your stipulated medical bills.

In New Hampshire, an insurance company can refuse you individual health insurance because of a health problem. An insurer can review your health records for pre-existing conditions, for the prior three months before coverage. If you are found to have a problem, it can be excluded from coverage for a maximum of nine months. The insurer is also allowed to attach an exclusion rider for a pre-existing condition. In New Hampshire, insurance companies can consider pregnancy a pre-existing condition. There are set limits for the cost of the individual policies and your insurance cannot be cancelled if you fall ill.

Any qualified person is assured of group health insurance in New Hampshire, even if there is a health problem or he/she enrolls late. They also cannot be charged more on account of a health problem. Your new boss can, however, seek a waiting period to offer you group coverage. The look back period, when insurers can review your health records for pre-existing conditions is three months for fully insured policies and six months for self-insured ones. Insurance companies are free to clamp a limited exclusion period for pre-existing conditions. If you have had continuous coverage, with no lapse of over 63 days, you qualify for creditable coverage toward your exclusion period.

Small businesses with one to 50 employees cannot be refused small group health insurance. Although they cannot have insurance cancelled on account of illness within the employee group, the policy costs can go up considerably because of serious illness.
New Hampshire allows self-employed individuals to buy small group health insurance. You may contact the New Hampshire Insurance Department if you want to join business associations.

Those who are denied insurance by private companies can receive assistance through the New Hampshire Health Plan. HIPAA eligible people use it for their insurance coverage. Medicaid, Healthy Kids, and Let No Woman Be Overlooked also assist low income residents.

Choosing the right quotes are not an easy task, you should therefore do some research before making a final decision. However, it is always better to appoint professional health insurance agents and brokers who can be of great help in this regard.

The main health insurance providers in New Hampshire are Anthem Blue Cross and Blue Shield of New Hampshire, Assurant Health (formerly Fortis), Celtic and Golden Rule.

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Useful links and information:

For any information regarding Health Plans and Insurance- http://www.nhhealthplan.org/index.htm

Visit the New Hampshire Department of Insurance for a listing of companies that offer individual medical coverage in the state.

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