Personal professional enrollment support is available for all of the benefit plans listed on this page.
Send your question by e-mail for fast OnlineAdviser response.
Limited telephone support (800) 609-0683.
Office hours posted daily on Twitter
@FreedomBenefits
Most Liberal Eligibility
Core Health Insurance
- the nation's most popular defined benefit health plans with guaranteed acceptance
from US Fire Insurance Company
Value 24 Hour Accident
- up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Value Emergency Room
- add $1,000 additional emergency room coverage for $1 per day for the whole family
Most Affordable
Value Med Insurance
- 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Long Term Major Medical
Dental Insurance
Secure DentalOne
- one lifetime deductible of $100 and then up to $1,250 per year coverage
Online Life Insurance
International Term Life
- up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
QuoteIntelligence Term life insurance
- find the lowest rates, compare features &
eligibility requirements and then apply online with the
best insurance companies in less than 30 seconds.
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New Hampshire health insurance exchange
New Hampshire has 8
commercial health
insurance companies
that offer
individual major
medical insurance
and 10 small group
health insurance
plans as well as
the state-sponsored
New Hampshire Health
Plan for high
risk applicants who
have been declined
for commercial
health insurance. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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New Hampshire insurance news
New Hampshire had
the 3rd highest
health insurance
costs of all states
in 2008 with an
average family
premium of $13,592
per year. (The
average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 5th out of
the 51 states
(including DC).
New Hampshire promotes a unique Web-based project to require
transparency in
health care costs. A
new report on the
effectiveness of
this program was
published in August
2009. Although
consumers may
appreciate the
intent of the
project, apparently
it had no effect on
curbing health care
cost inflation.
Short Term Insurance
Markel Smart STM
- popular and affordable short term major medical insurance with fast online approval
Secure STM
- along with its 12 month and 36 month options, this may be the highest quality short term
coverage
Intermediate Term
Inbound Immigrant
- up to five years of liberal health insurance coverage after immigration including maternity coverage,
emergency and other essential benefits
Supplemental Insurance
Smart Accident Insurance
- supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
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New Hampshire Insurance Law
The
New Hampshire Department
of Insurance Web site contains
links to the
complete text of the
state's insurance
laws and regulations.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (603) 271-2261 or by mail at 21 South Fruit Street, Suite 14
Concord, NH 03301. The state children's health insurance plan (CHIP) Web site is
New Hampshire Healthy Kids (NHHK).
Non-insurance Discount Plans
Careington PPO Discount Plans
- the nation's leading network PPO discount provider allows a no-risk trial
of any discount plan for only a $20 processing fee
Rx Pay Card
- $10, $20, or $30 payments for hundreds of popular prescriptions.
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New Hampshire Insurance News
12/16/2010 New Hampshire Insurance
Department officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their
attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.
In its initial federal grant request for the insurance exchange project,
New Hampshire said that it would:
1) Obtain an impact analysis on public sector program costs and effect on the general fund of the State,
2) Inform, educate, and involve stakeholders including a utilization assessment,
3) Develop a general public education and outreach plan regarding an Exchange,
4) Develop a macroeconomic model to predict plan migration, analyze the effect of New Hampshire insurance mandates, and identify and quantify risks of adverse selection and insurance market disturbance,
5) Exchange and analysis of budgetary impacts on State as well as appropriate internal and external controls, and
6) Obtain analysis of current State laws and regulations relevant to Exchange and a summary of policy and legislative recommendations for establishing an Exchange and Affordable Care Act implementation.
The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used
providing health benefits to the public. We proposed on the
Universal
Health Insurance blog that adequate commercial insurance sales systems are
already in place that could be modified in a public/private partnership to make
health insurance more affordable.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in New Hampshire is now available at Freedom Benefits.
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