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Other New Hampshire Insurance FAQs

• 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
• Q: What Constitutes Continuous Coverage?
  A: Continuous coverage is deemed as such provided that you do not allow health insurance to lapse for a period more than 63 days.