• Appeals Information
• Companies Licensed to Offer Health Insurance in New Hampshire
• HIV Antibody Testing Consent Form
• Health Related Insurance Mandates – Health insurance policies sold in New Hampshire often include "mandated benefits". These are benefits that an insurer must include in certain types of health insurance policies. Some "mandated benefits" apply only to group policies. Some apply to both group and individual policies. This section provides a description of the current New Hampshire mandates. These mandates do not apply to self-funded health plans.
• Self Funded Health Plans – Things to Consider
• Your HMO and You - What You Need to Know About Your HMO

Employer Plans

If your plan is a "self-funded" benefit plan offered by an employer or bona fide union trust under a union contract, state insurance departments have no jurisdiction. Instead, you may file a complaint with the US Department of Labor Pension and Welfare Benefits Administration at 617-565-9600.

If you are uncertain which type of benefit plan you have i.e., fully insured, self-insured, or self-funded you should contact your human resource department or your insurance carrier for clarification.

Government/Church Plans

If your health plan is self-funded but offered through a government or church employer, follow the appeals procedures outlined in your benefit booklet and or other plan documents.In most cases ultimate responsibility for resolving these disputes rests with the governing body of the employer sponsoring the plan. You should contact your employer’s human resources department for more information.

The Disabled

If you have a disability, you may have certain protections available under the Americans with Disabilities Act (ADA) that applies specifically to self-funded coverage. You can reach the ADA Technical Assistance Center at 1-800-949-4232 or the US Department of Justice (American Disabilities Act Division) at 1-800-514-0301 (voice) or 1-800-514-0383 (TDD).

Other Health Related Information and Links

• Administration on Aging, US Department of Health and Human Services
  • Personal Health Care Journal
• HIPAA (Health Insurance Portability and Accountability Act of 1996)
• Internal Revenue Service
  • Health Care Tax Credits - Includes FAQs and other information
• National Association of Insurance Commissioners
  • Consumers Guide to Cancer Insurance
  • Health Insurance - Picking the Right Coverage
  • Information on Discount Health Cards
  • Individual Health Insurance - What You Need to Know
• New Hampshire Healthy Kids – This program offers free and low cost health and dental insurance for New Hampshire’s uninsured children under the age of 19, and pregnant women under the age of 21.
• New Hampshire Individual Health Plan Benefit Association (NH Health Plan - The High Risk Pool)
• New Hampshire’s Medicine Cabinet – Prescription drug price finder tool
• NH Health Plan - A qualified health plan alternative for eligible individuals
• NH Department of Health and Human Services
• NH Health Cost – Consumers can view typical prices for common inpatient/outpatient services
• US Department of Labor
  • Compliance Assistance for Group Health Plans
  • Employee’s Guide to COBRA
  • Employer’s Guide for COBRA
  • Life Changes Require Health Choices - Know your Benefit Options
  • MEWAS - Multiple Employer Welfare Arrangements
  • Questions & Answers: Recent Changes in Health Care Law
  • Top 10 Ways to Make your Health Benefits Work For You
  • Work Changes Require Health Choices - Protect your Rights
  • Your Employer's Bankruptcy: How will it affect your employee benefits?