Why should you get health insurance? How will it help you save money? This section explains the benefits of getting covered and walks you through how to get started. Learn about the different types of plans as well as the different ways you might get insurance.
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Getting Health Insurance / Getting health insurance coverage
If your employer does not offer health insurance, or if the insurance offered does not meet your needs, you may want to purchase an individual policy.
Depending on your circumstances, you may be able to take advantage of subsidized health insurance through New Hampshire's Federally Facilitated Health Insurance Marketplace. Learn more at www.healthcare.gov. To help you understand your estimated costs through the marketplace, Learn more
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You can purchase an…
Talk with your employer to see if health insurance coverage is a benefit that's offered to you. If it is, there are usually rules about when you are able to sign up:
When you’re hired: Typically, you have a short period of time after you are first hired to enroll.
During open enrollment: If you don’t enroll when you are first eligible, you will probably need to wait for the annual open enrollment period. When open enrollment happens each year depends on the plan year ― it’s not necessarily…
Health coverage options are available for people in New Hampshire who have recently been laid off or lost their employer sponsored health insurance benefits. Get info on COBRA, NH State Continuation, Granite Advantage, Health Insurance Marketplace and where to find help!
Yes, you can get coverage! Now, because of the Affordable Care Act, insurance companies cannot deny you coverage or charge you more if you have pre-existing medical condition such as back pain, diabetes, or cancer.
Once you have coverage and have paid for any deductibles, co-insurance or co-payments required, your insurance company cannot refuse to pay for treatment for a pre-existing medical condition.
You can find more information on HealthCare.gov: https://www.healthcare.gov/health-care-…
How do I sign up for insurance in NH? Should I shop around for health insurance? Who can help me with buying health insurance? Information you need to know during open enrollment in New Hampshire is right here.
Before you buy a health insurance policy, make sure you understand what you are buying. Click here to find information about what health insurance covers, what costs are included in health plans and helpful tips for managing the cost of your health care.
Health insurance plans are complicated; and, that can make it difficult to decide which one to choose. To really understand what you’re buying you need to step back and look at the whole plan as a package, adding up the pros and cons.
Look at the total cost
Looking only the monthly premium cost will not give you a good picture of what a health plan will cost you, unless you do not expect to use it. The premium is only part of what you will pay. Learn more.
How much the plan requires you to…
Medicare supplemental insurance
Insurance companies sell individual Medicare supplement insurance policies that help pay some of the costs that you would otherwise have to pay yourself under original Medicare, such as co-payments, co-insurance, and deductibles. This kind of policy is also known as a Medigap policy because it fills in the gaps in traditional Medicare coverage. You will want to check the supplement plan benefits to understand what is covered, as each plan can be different but…