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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
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.