In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. New Hampshire health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for New Hampshire health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.
In this information-filled article, you will find everything you need to know concerning the regulations of New Hampshire health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.
You will also find interesting statistical information with which you can compare the health of fellow New Hampshirens with the health of residents of other states.
This article will provide you with all the information needed about New Hampshire health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!
New Hampshire Individual and Family Health Insurance
In New Hampshire, individual or family health insurance policies are not guaranteed. Most New Hampshire health insurance policies are medically underwritten, which allows insurance companies to deny coverage to anyone based on their current or past medical history, including pre-existing conditions. When applying for health insurance, you will be asked to fill out a comprehensive questionnaire, covering everything from current and past medical status and family medical history (parents, siblings, etc) to life-style questions, such as smoking habits, alcohol consumption, etc. New Hampshire health insurance premiums will vary according to age, gender and the type of health insurance plan that has been applied for. If you do have a pre-existing medical condition, there are three different options which may be offered to you. One is that you may be denied any and all health insurance coverage, which is within the New Hampshire health insurance company’s rights. The second option is that you may be offered coverage, but with a rider attached. This rider simply states that the insurance company is not liable and will not cover any claims deemed to be related to the pre-existing condition. The third option is that you may qualify for full coverage, but you can expect that your premiums will be higher than those of a healthy individual.
New Hampshire Group Health Insurance
For New Hampshire health insurance for a group or company, the state of New Hampshire requires that a company have between 2 and 50 employees. Employers, however, are not required to provide New Hampshire health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some New Hampshire health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under New Hampshire health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.
New Hampshire COBRA Insurance
Under New Hampshire health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their New Hampshire health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the New Hampshire health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further New Hampshire health insurance coverage available through the New Hampshire Comprehensive Health Insurance Association (ACHIA).
New Hampshire Health Information and Statistics
If you are in the market for quality New Hampshire health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how New Hampshire ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.
Some of the positives of residing in New Hampshire are a low violent crime rate, a low premature death rate, high immunization coverage, and a low percentage of children in poverty. New Hampshire also faces many challenges, such as moderate per capita public health funding and moderate number of poor mental health days.
According to a 2008 study, New Hampshire had some significant changes over the past year, including an increase in immunization coverage of 14% and a rise in the number of poor mental health days of 17%. Since 1990, the prevalence of smoking declined by 37% and the incidence of infectious disease decreased by 56%.
Following is a variety of statistical data related to living in New Hampshire, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing New Hampshire health insurance.
- Prevalence of Smoking-19th
- Prevalence of Obesity-14th
- Violent Crime-3rd
- Children in Poverty-1st
- Air Pollution-10th
- Cancer Deaths-28th
- Lack of Health Insurance-11th
- Prevalence of Binge Drinking-24th
- Infant Mortality-7th
- Infectious Disease-12th
- Premature Death-3rd
Overall Rank: 3
- New Durham
- New London
- North Conway
- North Hampton
- West Lebanon