New Hampshire Health Insurance
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According to the Center for Disease Control, an average of 9.9% of New Hampshire residents went uninsured for New Hampshire health insurance each year from 2001 to 2003.
Free Health Insurance Quotes
To get free quotes on New Hampshire health insurance, enter your zip code into the form below and click "Get My Quotes."
New Hampshire Health Insurance Regulations
Any New Hampshire resident who has health insurance through an employer cannot be limited or denied coverage under that health plan. New Hampshire residents looking for individual health insurance, however, can be turned down for health insurance coverage or have limited access once medical insurance coverage is granted. All New Hampshire residents, however, are guaranteed the right to renew any existing New Hampshire health insurance policy provided the individual has paid all premiums and has not provided false information. This is called guaranteed renewability.
Pre-Existing Conditions
New Hampshire health insurance companies can impose pre-existing condition exclusion periods and elimination riders. In New Hampshire, any pre-existing condition is any condition for which the individual has received treatment, diagnosis, or medical advice within the three months prior to the beginning of coverage. The pre-existing condition exclusion period can exclude coverage for the medical condition for up to 9 months. Continuous health insurance coverage that has not broken for more than 63 days can be credited towards this exclusion time. New Hampshire health insurance companies can also impose elimination riders that can permanently exclude a medical condition from coverage for the duration of the policy.
Pregnancy
Pregnancy can count as a pre-existing condition in New Hampshire. Individual New Hampshire medical insurance policies automatically cover newborns, adopted children, and dependent grandchildren for the first 31 days if the policy otherwise provides coverage for dependents. Policy changes may have to be made after the initial 31 day period. Disabled children can remain as dependents under the parent’s policy beyond the age limitation of dependents.
Rates
New Hampshire health insurance rates can vary depending on the health, age, and tobacco use of an individual. These rates, however, are limited under New Hampshire health insurance law.
Temporary health insurance is available under some companies in New Hampshire. Temporary health insurance can help cover time between jobs or policies.
Alternative New Hampshire Health Insurance Options
For individuals who are considered “uninsurable” or who may not otherwise be able to afford New Hampshire medical insurance, there are state programs that may help:
- New Hampshire Medicaid is available to qualified individuals who meet the eligibility criteria.
- New Hampshire High Risk Health Insurance Pool is called New Hampshire Health Plan and allows individuals who might otherwise be considered “uninsurable” to buy into group health insurance through the state. Pre-existing condition periods may apply.
- Health Kids is New Hampshire’s Children’s Health Insurance Program that is designed to provide health insurance for children up to 19 whose families do not qualify for Medicaid and who might not be able to afford health insurance.
Information on New Hampshire Health Insurance
New Hampshire Medicaid: www.dhhs.state.nh.us
New Hampshire High Risk Health Insurance Pool/ New Hampshire Health Plan: www.nhhealthplan.org
Healthy Kids: www.nhhealthykids.com
www.healthinsuranceinfo.net
www.diabetes.org
www.healthinsuranceindepth.com
New Hampshire Insurance Department
www.state.nh.us
Insurance Department
21 South Fruit St. , Suite 14
Concord, NH 03301
Consumer Assistance: 800-852-3416
Consumer Fax: 603-271-0248
General Information: 603-271-2261
Main Office Fax: 603-271-1406
New Hampshire Health Insurance Organizations
According to the New Hampshire Insurance Department, the following is a list of companies selling individual health insurance in New Hampshire:
Aetna Life Insurance Co
NAIC # 60054
1000 Middle Street
Mail Code MC5W
Middletown, CT 06457-0000
1-800-247-2190
American Republic Insurance Co
NAIC # 60836
PO Box 1
Des Moines, IA 50301
1-800-247-2190
Anthem Health Plans of NH, Inc.
NAIC # 53759
3000 Goffs Falls Road
Manchester, NH 03111
1-800-874-7122
Celtic Insurance Co
NAIC # 80799
Sears Tower
233 South Wacker Drive
Suite 700
Chicago, IL 60606
1-800--284-0060
Chesapeake Life Insurance Co
NAIC # 61832
PO Box 982010
North Richland Hills, TX 76182-8010
1-800-733-1110
Golden Rule Insurance Company
NAIC # 62286
7440 Woodland Drive
Indianapolis, IN 46278-1719
1-800-395-0923
Harvard Pilgrim Healthcare of New England
NAIC # 96717
93 Worcester Street
Wellesley, MA 02481-0000
1-888-888-4742
John Alden Life Insurance Co (Assurant Health)
NAIC # 65080
North Star Marketing
1900 West Park Drie, Ste 105
Westborough, MA 01581-5019
1-800-234-6762
MEGA Life Insurance Co
NAIC # 97055
9151 Boulevard 26
North Richland Hills, TX 76180-0000
1-800-527-5504
New Hampshire Health Plan
High Risk Pool
CBA/EBPA
37 Industrial Drive
Exeter, NH 03833-4593
1-877-888-6447
*certain eligibility requirements apply
Time Insurance Company (Assurant Health)
NAIC #69477
PO Box 3050
Milwaukee, WI 53201-3050
1-800-369-6762
According to the New Hampshire Department of Insurance, the following is a list of Health Maintenance Organizations in New Hampshire:
Aetna Health, Inc.
52 2nd Avenue, Ste 2
Waltham, MA 02451
1-800-872-3862
CIGNA Healthcare of NH, Inc.
2 College Park Drive
Hooksett, NH 03106
1-800-531-4584 or 1-800-531-3121
Harvard Pilgrim Healthcare of NE, Inc.
160 South River Road, Suite 201
Bedford NH 03110-6927
1-800-544-9759
Matthew Thornton Health Plan, Inc.
3000 Goffs Falls Road
Manchester, NH 03111-0001
1-800-870-3057
MVP Health Plan of NH, Inc.
One Club Acre Lane
Bedford, NH 03110
1-888-687-6277
According to the New Hampshire Department of Insurance, the following is a list of companies that offer short term health insurance in New Hampshire:
Fortis Insurance Company
PO Box 3050
Milwaukee, WI 53201-3050
800-800-1212
Anthem Health Plans of NH
3000 Goffs Falls Road
Manchester, NH 03111-0001
800-874-7122
John Alden Health
1900 West Park Drive, Suite 105
Westborough, MA 01545
800-234-6762 x 237
Clarendon National Insurance Company
1177 Avenue of the Americas
New York, NY 10036
1-800-277-3323
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