What Are Some Of The Details Of Individual Insurance In New Hampshire?

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What Are Some Of The Details Of Individual Insurance In New Hampshire?

NHIF coverage includes hospital and physician care, prescription drugs, home health care, organ transplants and other services. A maternity benefit is offered for an additional premium. For most services, the plan will pay for 80% of covered charges after you have satisfied your annual deductible. Under NHIF, you have a choice of two plans, a major medical plan option and a PPO option. Each plan offers a choice of deductibles ranging from $250 to $2,000. After you have paid a maximum amount for covered services (also called the outofpocket limit), NHIF will pay 100% of covered charges. NHIF's outofpocket limit is $4,000. There is a lifetime limit of $1 million for all benefits under NHIF. Premiums will vary depending on the deductible you choose, your age, gender, where you live, and whether you smoke. Contact the NHIF Customer Service Center or the New Hampshire Department of Insurance for more information or to apply for NHIF coverage.

Other New Hampshire Insurance FAQs

Q: What Is An Agent?
A: An agent is a licensed representative of an insurance company who solicits, negotiates, or effects contracts of insurance and provides service to the policyholder for … More
Q: What Is An Application?
A: An application is a signed statement of facts requested by the insurance company on the basis of which the company decides whether or not to issue the coverage. The … More
Q: What Is An Assignment?
A: An assignment is the signed authorization by the policyholder for the insurance company to pay benefits directly to the hospital, doctor, or other provider.
Q: What Is A Beneficiary?
A: A beneficiary is the person designated or provided for by the policy terms to receive the proceeds upon the death of the insured.
Q: What Are Benefits?
A: Benefits are the dollar amount payable by the insurance company to the claimant, assignee, or beneficiary under the policy.
Q: What Is A Claim?
A: A claim is a demand to the insurance company for payment of benefits under the insurance contract.
Q: What Is Cobra?
A: COBRA is a federal law that regulates group health insurance. If you lose your job and you worked for an employer who has more than 20 employees, you may be able to … More
Q: Can I Be Denied Group Coverage In New Hampshire?
A: Coverage under your group health plan (if your employer offers one) cannot be denied or limited, nor can you be required to pay more because of your health status. … More
Q: Can I Be Denied Group Coverage If I Am Sick At The Beginning Of The Coverage Period?
A: All group health plans in New Hampshire must limit exclusion of preexisting conditions. There are rules about what counts as a preexisting condition and how long you … More
Q: Can I Be Forced To Wait For My Group Coverage To Begin?
A: Yes. This is called the preenrollment period, usually between 3090 days. These waiting periods, however, cannot vary due to your health status. However, if … More