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Frequently Asked Questions about Health Insurance Coverage and COVID-19 Vaccination

The New Hampshire Insurance Department is issuing an FAQ document for consumers to address questions and concerns related to the insurance coverage of COVID-19 vaccination.

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1. Will I need to pay for a COVID-19 vaccination?
All organizations participating in the CDC COVID-19 vaccination program must administer the vaccine at no cost to the recipient.

For those who receive their coverage through Medicaid, Medicare/Medicare Advantage, a fully insured health plan, the individual market, or employer, the federal CARES Act requires that insurers provide coverage of the COVID-19 vaccine without cost-sharing. Insurers must also cover the administration of the vaccine without copayments or deductibles. This is true regardless of how the administration is billed, whether or not the vaccine is administered in multiple doses, and whether it is administered by an out-of-network or in-network provider.

2. Can I get the vaccine if I do not have health insurance?
You are not required to have insurance to receive the vaccine at any of the state fixed sites. For more information on vaccine registration go to

If you would like to enroll in health coverage, you have options:
• Purchase a health plan through The Open Enrollment Period has been extended through May 15, 2021. Starting April 1, you may be able to get more savings and lower costs on a plan due to the American Rescue Plan Act of 2021.
• If you are no or low-income, you may qualify for a Medicaid plan. Enroll on NH EASY.

3. If the vaccine is at no cost, why would I be asked for insurance information?
Organizations participating in the vaccine program may seek appropriate reimbursement from a program or plan that covers COVID-19 vaccine administration fees for the vaccine recipient, such as: the vaccine recipient’s private insurance company, Medicare or Medicaid, or the HRSA COVID-19 Uninsured Program for non-insured vaccine recipients. Providers may not seek any reimbursement, including through balance billing, from the vaccine recipient.

4. What if I have additional questions about COVID-19 insurance coverage?
Call your insurance company using the customer service number on the back of your card with questions or concerns. If you have difficulty working with your insurance company to get your COVID-19 vaccine paid without cost-sharing, reach out to the Insurance Department’s Consumer Services Division for assistance. Contact us with any questions or concerns at 1‐800‐ 852‐3416 or (603) 271‐2261, or by email at

5. What should I do if I see a COVID-19 vaccination scam?
Scammers may advertise fake cures, vaccines, and advice on unproven treatments for COVID-19, and further, claim that insurance will cover the cost of those fraudulent services. They may attempt to contact individuals by telephone, e-mail, and sometimes in-person, offering COVID-19 home test kits, medicines, or vaccinations. If you suspect this kind of activity is taking place, immediately contact the New Hampshire Attorney General’s Office at 888-468-4454. Individuals aware of any potential violations are encouraged to report them to the Office of the Inspector General, U.S. Department of Health and Human Services, by calling 1-800-HHS-TIPS or the website TIPS.HHS.GOV.

Updated 3/22/2021


New Hampshire Insurance Department | 21 South Fruit Street, Suite 14 | Concord, NH 03301
Phone 603.271.2261 | Fax 603.271.1406 | Consumer Hotline 1.800.852.3416

Copyright © State of New Hampshire, 2007