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New Hampshire Health Insurance
The costs of health care in the country are increasing with every passing day. However, the percentage of uninsured in New Hampshire is still around13%. Health insurance plans are important for everyone, no matter what gender, age or occupation you might belong to. This page will provide you with all the details you require before you decide on a health plan for yourself.
Health insurance and medical underwriting
New Hampshire companies are allowed to engage in medical underwriting. This is basically the process by which the company decides whether you can be offered insurance based on certain conditions of your health. It also determines whether you have to go through a waiting period before your health conditions are covered. For individuals who do not have a creditable coverage under HIPAA, there is a 9 month imposition of an exclusionary condition.
The state of New Hampshire also offers a high risk pool under the name New Hampshire Health Plan. You may access this program if you are HIPAA eligible. Other eligibilities include a denial by a health insurance company to provide you with health insurance and your being a resident of the state. To know more about the eligibility criteria, consult your state insurance department.
Insurance for groups and small businesses
The laws of the state of New Hampshire dictate that no group or business can be denied a health plan or offered a plan that is restricted in coverage. The rules also mandate that the groups cannot be made to pay more than the standard rate. However, medical underwriting is allowed to a rate of plus or minus 25% of the established and indexed rate based on the health, age and other factors of the applicant. Just as in individual insurance, pre existing factors may be taken into account for a period of 3 months preceding the application and coverage can be excluded for a period of 9 months. The monthly premium was around $377 for a single cover. Of course, the price varied with the actual contribution made by the employer.
New Hampshire Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of New Hampshire. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
New Hampshire Medicaid plans
Medicaid plans are also offered in the state of New Hampshire. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Other health insurance plans in New Hampshire
The Healthy Kids program is offered in the state of New Hampshire. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top New Hampshire Health Insurance Carriers
Our service is the best way for you to secure the most suitable New Hampshire health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find New Hampshire Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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