Known for its mountains, universities, and cold weather (perhaps a Floridian perspective), New Hampshire is located near Boston, Canada, Vermont and has access to top notch outdoor recreation year-round. Mostly in the winter, New Hampshire towns get flooded with outsiders to visit the ski resorts, but the rest of the year, the laid-back population stays active and one of the healthiest in the nation (read Health Status below to find out why).
If you are a resident of New Hampshire who is not covered by an employer-sponsored plan, you are in the right place. The only company carried in New Hampshire for individual health insurance is Anthem Blue Cross Blue Shield of New Hampshire. As Anthem is such a great company with an extensive network, their plan options are fit for many types of budgets. To compare prices and find plans for you and your family in New Hampshire, enter your zip code below and begin the process.
New Hampshire for several reasons was rated the 2nd healthiest state in 2011 by UnitedHealth Foundation’s annual rankings. This can be attributed to the low percentage of uninsured individuals at 10% of the total population, as well as good support from having enough primary care doctors to serve each region. There is also a very high level of immunization coverage throughout the state, and widespread use of prenatal care, therefore showing a good use of health care. As you can imagine from the spread out towns and natural landscape, the air quality is quite good, with very low pollution.
There are some down sides in New Hampshire health, however, the same ones that most of the nation is struggling to overcome. Adults who can be considered obese are growing in number, now consuming 25.5% of the population. Diabetes is also seeing an increase among adults, with 81,000 individuals currently diagnosed with the illness. The smoking population is luckily dwindling, though still evident, as 174,000 individuals still smoke. Though it is still an extremely healthy place to live, New Hampshire residents can still be mindful of the need for nutrition and physical activity. A few suggestions for helping the future of New Hampshire: keep using your health care, hike your local parks and mountains, or walk instead of driving, and eat healthy food which is accessible to you.
Health Insurance Plans
Anthem Blue Cross Blue Shield of New Hampshire
- SmartSense plans are affordable, basic PPO plans that offer deductibles ranging from $750 to $12,000 in New Hampshire. Based on the deductible you choose, you can either have 70% or 100% coverage after you meet the deductible on in-network services. Office visits are available for a $35 copay for network primary care doctors or specialists as soon as your plan starts, and generic drugs are covered for $15. These plans also cover out-of-network care for either 50% or 30% coinsurance. Maternity care is not covered with these plans.
- Premier plans offer traditional PPO coverage with a comprehensive set of benefits in New Hampshire. These plans have deductibles ranging from $500 to $10,000 for individuals, and double the cost for families. Immediate benefits include office visits with a PCP for $30, and $40 for a specialist, as well as generic and brand name prescription drugs. After deductible, you pay either 20% or nothing for in-network hospital care, depending on your deductible level. Non-network care is also covered at 70% for hospitalization, surgery, and doctor’s office visits.
- Lumenos HSA plans in New Hampshire are qualified high deductible plans with the capability of opening a health savings account. These plans are also very benefit-rich PPOs, with 80% or 100% coverage once you meet the deductible. Individuals can choose between deductibles of $1,750, $2,500, $4,000 or $5,950, and families pay twice as much. Services covered after you meet the deductible include prescriptions, doctor’s office visits, hospital care, emergency and urgent care, and home health care. HSA funds can be used to help meet your deductible or save for retirement, without being taxed.
Public Health Options
The state of New Hampshire offers multiple options for residents who do not have health insurance plans. These state-funded programs include Medicaid, CHIP, the Pre-Existing Condition Insurance Plan, and New Hampshire Health Plan (NH High Risk Pool). Between these plans for low-income or medically costly individuals who cannot otherwise obtain insurance, more New Hampshire residents are able to receive quality health care. Other services available include public clinics for family planning, vaccinations, and nutritional assistance. Browse through the Department of Health & Human Services and the NH Insurance Department for a complete set of programs.
- NH Medicaid: health insurance coverage for residents of New Hampshire with a low income who meet certain criteria. For further information on eligibility, read our Medicaid Eligibility by State article.
- NH Healthy Kids: the Children’s Health Insurance Program for uninsured children under age 19 in New Hampshire of any income or health status.
- NH Health Plan (NHHP): high risk pool health coverage for individuals with a health status that makes it difficult to qualify for health insurance.
- PCIP New Hampshire: insurance coverage for adults with pre-existing conditions in New Hampshire. A list of accepted conditions is included on the page.
Health Insurance Laws
New Hampshire health insurance regulations are set by the state and the U.S. government to form the operation of the private health insurance market. These laws affect both parties involved: the insured and the insurer. One of the key points of health insurance regulations in New Hampshire is the way insurers handle pre-existing conditions. In New Hampshire, a pre-existing condition is decided by the objective standard, which considers any condition for which a person has received care in 3 months prior to enrollment. After concluding an individual has such a condition, New Hampshire insurers have the right to not offer a plan to them at all, or offer a higher priced plan than a healthy person would pay for.
It is also legal for New Hampshire health insurance companies to use an exclusion period in tandem with your plan to exempt themselves from paying for any care related to the condition. This can last for a maximum of 9 months in this state. Elimination riders are also a possibility, and attached to your plan they permanently excuse the insurer from covering treatment of that condition. However, if you are switching plans from one insurance company to another, you can use your prior coverage as a credit to pay for out-of-pocket costs brought on by the exclusion period.
If you fall under this category and find you do not wish to be charged more for health insurance or want to risk the possibility of denial, there is the Pre-Existing Condition Insurance Plan. PCIPs in New Hampshire are operated at the state level, and they have plenty of enrollees. These plans will only be valid until the end of 2013, as the Affordable Care Act has enabled adults with pre-existing conditions and those who are high risk to be accepted for a private health plan. As of January 1, 2014, these individuals will be able to purchase a plan from either a state exchange or Anthem of New Hampshire.
Guaranteed renewability is a protection that all insured individuals should be conscious of. This law is part of HIPAA, which protects the rights of the patient, and this particular provision helps the insured keep their coverage. This law state that an insurer must offer to renew the exact plan of one of their clients before their it runs out, so that no breaks in coverage occur. If the individual has been paying their claims and premiums and has no fraud on their health insurance record, they are qualified for guaranteed renewal. This provision also prevents insurers from terminating your plan if you become ill after your plan has started.