Living with Diabetes
New Hampshire
The following information details health insurance and assistance programs available to uninsured people in New Hampshire.
New Hampshire Department of Insurance - (800) 852-3416
In general, residents of New Hampshire can be turned down for a health insurance policy that you purchase on your own (an individual health insurance policy) based on any health conditions they may have. This is called medical underwriting. In most cases, diabetes is considered an “uninsurable” condition. Even though you can be turned down for an individual policy in New Hampshire, you can never be turned down for health insurance that is offered through an employer.
If you are a self-employed individual without employees, you can purchase a small group health plan in New Hampshire. You will be offered the opportunity to purchase this coverage at two times per year – during the months of September and March. If you are insured on the last day of the open enrollment period and you then lose coverage because you were terminated from another plan, you can purchase coverage as a self-employed person within the first 30 days after you lose the previous coverage. Please check with the Department of Insurance to find out any additional eligibility criteria that may apply.
If you are having a problem with your state-regulated health insurance plan and you are unable to resolve it with the plan directly, file a complaint with the Department of Insurance. They may be able to provide you with assistance in reaching a conclusion.
New Hampshire Medicaid - (800) 852-3345 ext. 4344
Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify. Contact your state Medicaid program for more information.
New Hampshire High Risk Health Insurance Pool - (877) 888-6447
The New Hampshire High Risk Health Insurance Pool is the New Hampshire state high-risk pool. This program allows individual health insurance policies to be sold to people who might otherwise be considered “uninsurable” because of a chronic illness. Premiums may be high, and a pre-existing condition period may apply. In addition, there are a number of health plan options to choose from. Contact the New Hampshire High Risk Health Insurance Pool for more information.
Healthy Kids - State Children’s Health Insurance Program - (877) 464-2447
Healthy Kids is the health insurance program designed to provide health insurance to children and teens up to age 19 whose families may have too great an income to qualify for Medicaid, but who may not be able to afford health insurance. Visit the Web site to find out if you or your child meets the income guidelines (PDF).
If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free to patients or require a very small fee. Find a clinic in your area.
