New Hampshire Insurance Department
The New Hampshire Insurance Department is responsible for regulating all types of insurance sold in the state of New Hampshire -- including health insurance policies.
If you are looking for health insurance coverage, the Insurance Department can help you find an insurance agent or insurance company that is licensed to do business in New Hampshire. You can contact them at the phone number listed below. Or, if you have the name of an agent or company and wish to verify that they are licensed to sell insurance in New Hampshire, you can conduct your own search online.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. You can find an online complaint form, as well as a paper complaint form to be completed and mailed in:
New Hampshire Insurance Department
21 South Fruit St. Suite 14
Concord, NH 03301
Phone: 603-271-2261
Consumer Assistance Phone: 800-852-3416
General Email: Requests@ins.nh.gov
Consumer Complaint Email: consumerinquiries@ins.nh.gov
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees -- for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage -- for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan -- contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Boston Regional Office
J.F.K. Building, Room 575
Boston, MA 02203
James Benages, Director
Phone: 617-565-9600
Fax: 617-565-9666
Buying Individual Policies in New Hampshire
As a general rule, insurers in New Hampshire are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:
- had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND
- you have exhausted all COBRA continuation coverage which was available to you.
People who are HIPAA-eligible are guaranteed the right to buy insurance through the New Hampshire Health Plan (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Insurance Department can help you find out.
New Hampshire Health Plan (NHHP)
NHHP offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. It also covers "HIPAA-eligible" individuals as described above. The NHHP website has information on their eligibility requirements, as well as current premium rates and benefit packages.
New Hampshire Health Plan
Phone: 1-877-888-NHHP (6447)
New Hampshire Healthy Kids - the State Children's Health Insurance Program
Healthy Kids provides health insurance coverage for children under age 19 whose family meets certain income requirements.
Healthy Kids
25 Hall Street, Suite 302
Concord, NH 03301
Phone: 877-464-2447
New Hampshire Health Insurance Counseling, Education, Assistance Service (HICEAS)
HICEAS provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit, or Medigap coverage.
HICEAS
Phone: 1-800-852-3388
New Hampshire Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about New Hampshire Medicaid, including eligibility requirements, contact the New Hampshire Division of Medicaid at the number listed below.
New Hampshire DHHS Office of Medicaid Business & Policy
97 Pleasant Street
Concord, NH 03301
Mailing Address: 129 Pleasant Street, Concord, NH 03301-3857
Phone: 603-271-5254 or 800-852-3345 x5254
