Title XXXVII, Insurance

I. No insurer that issues or renews any policy of group accident or health insurance providing benefits for medical or hospital expenses and providing coverage for prescription drugs shall: (a) Exclude coverage for any such drug for a particular indication on the ground that the …

I. (a) Each insurer that issues or renews any policy of group accident or health insurance providing benefits for medical or hospital expenses for its insured persons shall pay for services rendered by New Hampshire health care providers within 30 calendar days upon receipt of a …

I. In this section: (a) "Clinical trials of emerging technologies" mean Phase I and Phase II clinical trials. (b) "Clinical trials of leading therapeutic or diagnostic alternatives" mean Phase III and Phase IV clinical trials. (c) "Cooperative group" means a formal network of fac…

I. In this section, "retroactive denial of a previously paid claim" means any attempt by an insurer to retroactively collect payments already made to a health care provider with respect to a claim by requiring repayment of such payments, reducing other payments currently owed to …

[Paragraph I effective until January 1, 2028; see also paragraph I set out below.] I. Each insurer that issues or renews any policy of group accident or health insurance providing benefits for medical or hospital expenses, except for supplemental policies covering a specified dis…

I. Each insurer that issues or renews any policy of group accident or health insurance which provides coverage for prescription drugs or devices, or which contracts with an entity providing such prescription drug coverage, including but not limited to pharmacy benefit manager com…

The existence of a court order under RSA 169-B, RSA 169-C, or RSA 169-D for a service, program, or placement that is covered under any insurance for the minor shall not be considered in determining qualification for third-party payment under such insurance. Benefits for such serv…

Each insurer that issues or renews any policy of group accident or health insurance providing maternity benefits shall also provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state, coverage consiste…

I. Each insurer that issues or renews any policy of group accident or health insurance providing benefits for medical or hospital expenses, shall provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this st…

Each insurer that issues or renews any policy of group accident or health insurance providing benefits for medical, rehabilitation, or hospital expenses, shall provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are reside…

Each insurer that issues or renews any policy of group accident or health insurance providing benefits for medical or hospital expenses, shall provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state…

Each insurer that issues or renews any policy or certificate for delivery in this state of group or blanket accident or health insurance providing benefits for medical or hospital expenses, shall provide coverage for the professional services associated with the practice of fitti…

Each insurer that issues or renews any policy of group or blanket accident or health insurance that constitutes health coverage under RSA 420-G:2, IX, and that provides benefits for medically necessary ambulance services shall reimburse the ambulance service provider directly sub…

Each insurer that issues or renews any policy of group or blanket accident or health insurance providing benefits for medical or hospital expenses shall provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are residents of …

I. No insurer that issues or renews any policy of group or blanket accident or health insurance providing benefits for anti-cancer medications that are injected or intravenously administered by a health care provider and patient administered anti-cancer medications, including but…

I. Each insurer that issues or renews any policy of group or blanket accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance, who are residents of this state, coverage for one early refill of a presc…

RSA 415:15 shall not be construed to prohibit the issuance or delivery in this state of policies under the franchise plan herein defined provided the rates charged, benefits payable, or underwriting procedure used do not discriminate between franchise plans. Accident and health i…

Student major medical expense coverage is hereby declared to be that form of accident and health insurance issued as large group coverage to enrolled students at an accredited college, university, or other educational institution. No coverage other than student major medical expe…

A group of individuals may be insured under a mortgage disability or mortgage accidental death policy issued to a creditor, or to the trustee of a creditor, which creditor or trustee shall be deemed the policyholder, to insure debtors of the creditor or creditors, subject to the …

A group of individuals who are members of a credit union may be insured under an accidental death and dismemberment policy issued to that credit union, which shall be deemed the policyholder.

The purpose of this chapter is to promote the public interest by establishing standards for discount medical plans to protect consumers from unfair or deceptive marketing, sales, or enrollment practices and to facilitate consumer understanding of the role and function of discount…

I. The commissioner may, within 30 days after the filing of any such form, disapprove such form if: (a) The benefits provided therein are unreasonable in relation to the premium charged; (b) It contains a provision or provisions which are unjust, unfair, inequitable, misleading, …

The requirements of this chapter shall apply to policies and group insurance certificates delivered or issued for delivery in this state on or after January 1, 1990. This chapter is not intended to supersede the obligations of entities subject to this chapter to comply with the s…

I. No person shall engage in the business of a premium finance company in this state without having first obtained a premium finance company license from the commissioner, except as provided in paragraph IV. II. The annual license fee shall be $200. Licenses may be renewed from y…

I. [Repealed.] II. Consumer guaranty contracts are not insurance and are exempt from this state's insurance laws, except for the provisions of RSA 400-A:16 through RSA 400-A:25 or as provided by this chapter. III. For activities related to the marketing, selling, offering for sal…

I. No person shall, after April 1, 1992, operate a multiple-employer welfare arrangement unless such arrangement is approved by the commissioner. No person shall, after April 1, 1992, operate a multiple-employer welfare arrangement in existence prior to April 1, 1992, unless such…

In this chapter: I. "Distant site" means the location of the health care provider delivering services through telemedicine at the time the services are provided. I-a. "Health benefit policy" means any individual or group plan, policy, or contract for health care services issued, …

I. Except as otherwise specifically provided in RSA 415-F:4, this chapter shall apply to: (a) All Medicare supplement policies delivered or issued for delivery in this state on or after January 1, 1995; and (b) All certificates issued under group Medicare supplement policies, whi…

I. "Actuarial certification" means a written statement by a member of the American Academy of Actuaries, or other individual acceptable to the commissioner, that an insurer is in compliance with the provisions of this chapter, based upon the individual's examination and including…

I. The commissioner shall adopt rules to establish specific standards, including standards of full and fair disclosure, that set forth the manner, content and required disclosure for the sale of all policies of accident and health insurance which shall be in addition to, and in a…

No accident or health insurance policy issued or renewed after August 28, 1981 shall contain any provision denying or limiting insurance benefits because services are rendered to an insured or a dependent who is eligible for or who receives medical assistance under RSA 167 or RSA…

No contract shall use the term physician for the purpose of allowing a health care insurer to avoid contracting with other health care professionals for health care services. A physician shall mean a person licensed to practice medicine under RSA 329. Nothing in this section shal…

Any insurer, agent, broker or any person, firm, association or corporation that violates any provision of this chapter or any rule issued pursuant to it, or any relevant provision of RSA 161-H, may at the discretion of the commissioner be subject to paragraph I or II, or both. I.…

I. Notwithstanding any contrary provision of this chapter or of any other law, 2 or more insurance companies authorized to carry on the business of health insurance in this state may join together to offer to any resident of this state who has reached or passed his sixty-fifth bi…

I. All individual and group health insurance policies providing coverage on a provision of service or an expense incurred basis shall also provide as a covered benefit under the policy coverage for the health insurance benefits for a newly born child of the insured or subscriber …

All individual and group health insurance policies which provide coverage for a family member of the insured shall, as to such family member's coverage, also provide that health insurance benefits applicable for children are payable with respect to any minor from the date such mi…

All individual and group health insurers providing benefits for medical and hospital expenses shall provide to each certificate holder, on request, a written statement of the dollar amount of allowable benefit for any procedure which is requested by the appropriate procedure code…

I. Notwithstanding any other provision of law, and except as provided in this section, any person or other entity which provides coverage in this state for medical, surgical, chiropractic, physical therapy, speech pathology, audiology, professional mental health, dental, hospital…

I. Rate modifications on individual accident and health policy forms shall be filed with the commissioner prior to implementation. II. At the time of filing new premium rates on any previously approved individual accident and health insurance policy form, other than forms for Med…

I. A pharmacy benefits manager or insurer shall require a contracted pharmacy to charge an enrollee or insured person the pharmacy's usual and customary price of filling the prescription or the contracted copayment, whichever is less. II. Once it has settled a claim for filling a…

I. An individual or group health insurance plan or policy providing prescription drug coverage in New Hampshire, shall permit and apply a prorated, daily cost-sharing rate to covered prescriptions for a chronic condition that are dispensed by an in-network pharmacy for less than …

In this chapter: I. "Ancillary services" includes, but is not limited to, audiology, dental, vision, mental health, substance abuse, chiropractic, and podiatry services. II. "Commissioner" means the insurance commissioner. III. "Discount medical plan" means a business arrangement…

I. It is the intent of the general court to recognize the application of telemedicine for covered services provided within the scope of practice of a physician or other health care provider as a method of delivery of medical care by which an individual at an originating site shal…

I. To meet the requirements for approval and to maintain a multiple-employer welfare arrangement, an arrangement shall be: (a) Nonprofit. (b) Established by a trade association, industry association, political subdivision of the state, religious organization, or professional asso…

I. An insurer shall not issue or renew a stop loss insurance policy or certificate that: (a) Has an annual attachment point for claims incurred per individual which is lower than $20,000; (b) Has an annual aggregate attachment point, for groups of 50 or fewer, that is lower than …

I. The commissioner may adopt rules to establish minimum standards for benefits under each of the following categories of coverage: (a) Basic hospital expense coverage. (b) Basic medical-surgical expense coverage. (c) Basic hospital/medical-surgical expense coverage. (d) Hospital…