Title XXXVII, Insurance

In this chapter: I. "Applicant" means: (a) In the case of an individual long-term care insurance policy, the person who seeks to contract for benefits; and (b) In the case of a group long-term care insurance policy or certificate, the proposed certificate holder. II. "Certificate…

The obligor shall file all contract forms and other contract language covered by this chapter, and any substantive changes to the terms and conditions thereof, for informational and auditing purposes only and shall be filed within 30 days after the contract form or other contract…

No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in RSA 415-D:3, IV(d), unless approved by this state.

An obligor shall provide proof of financial responsibility to the insurance department by: I. Posting a bond in the amount of at least $25,000 or 5 percent of all consumer guarantee contracts sold in New Hampshire, whichever is greater, up to a maximum of $250,000 and maintaining…

I. This chapter applies to all discount medical plan organizations doing business in or from this state. II. This chapter shall not apply to any discount medical plan offered by, or in cooperation with, or pursuant to an agreement with the state of New Hampshire or any political …

The sponsoring association shall file with the commissioner an application for approval of the arrangement upon a form to be furnished by the commissioner, which shall include or have attached the following: I. A copy of the constitution or bylaws of the association. II. The name…

The action of the commissioner in this regard shall be subject to review by the superior court.

I. The commissioner may revoke or suspend the license of any premium finance company when, after investigation, the commissioner finds that: (a) The license issued to such company was obtained by fraud; (b) There was any misrepresentation in the application for the license; (c) T…

Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred…

An insurer shall file with the commissioner annually on or before March 15, an actuarial certification certifying that the insurer is in compliance with this chapter. The certification shall be in a form and manner, and shall contain information, specified by the commissioner. A …

I. In order to provide for full and fair disclosure in the sale of all policies of accident and health insurance, no such policy shall be delivered or issued for delivery in this state unless: (a) In the case of a direct response insurance product, the outline of coverage describ…

Any carrier that offers group health plans and employee benefit plans shall establish and maintain written procedures by which a claimant may obtain a determination of claims and by which a claimant may appeal a claim denial. I. The procedures for determination of a claim shall m…

Every carrier or other licensed entity which offers group health insurance or employee benefit plans shall file with the insurance department, by April 1 of each year, and shall maintain a written procedure by which a claimant, or a representative of the claimant, shall have a re…

I. Every licensee shall maintain records of its premium finance transactions. Such records shall be open to examination and investigation by the commissioner at any time during regular business hours at any location at which such records are maintained. II. Every licensee shall p…

I. Books and records: (a) An obligor shall keep accurate accounts, books, and records concerning transactions regulated under this chapter. (b) An obligor's accounts, books, and records shall include: (1) Copies of each type of consumer guaranty contract issued. (2) The name and …

I. If an insurer or a nonprofit hospital or medical service association elects to use a simplified application form for a policy other than a Medicare supplement policy, with or without a question as to the applicant's health at the time of application, but without any questions …

I. Before doing business in or from this state as a medical discount plan organization, a person or entity: (a) Shall be authorized to transact business in this state under RSA 293-A or RSA 294-A; and (b) Shall register with the commissioner to operate as a discount medical plan …

The commissioner may adopt rules, under RSA 541-A, that include standards for: I. Full and fair disclosure, that set forth the manner, content, and required disclosures for the sale of long-term care insurance policies and certificates, terms of renewability, initial and subseque…

I. No policy of accident and sickness insurance shall be delivered or issued for delivery to any person in this state unless: (1) The entire money and other considerations therefor are expressed therein; and (2) The time at which the insurance takes effect and terminates is expre…

The commissioner may adopt rules in accordance with RSA 541-A that carry out the requirements of this chapter and prescribe additional standards for stop loss insurance policies.

Each multiple-employer welfare arrangement shall maintain a fund balance in excess of or equal to zero.

I. In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made. II. The comm…

I. No accident or health insurance policy issued or renewed after July 7, 2000 shall contain any provision which establishes or promotes an emergency medical response or transportation system that encourages or directs access by an insured or enrollee in competition with or in su…

I. Rules promulgated pursuant to this chapter shall be subject to notice and hearing pursuant to RSA 541-A. When a rule adopted pursuant to this chapter so provides, a policy of insurance issued subsequent to the rule's effective date and any optionally renewable policy of insura…

I. An individual long-term care insurance policy shall not be cancelled, refused renewal, or otherwise terminated by the insurer, except where the required premium has not been paid by or on behalf of the insured; however, this shall not restrict or limit the insurer's right to r…

I. A premium finance agreement shall: (a) Be dated and signed by or on behalf of the insured; and the printed portion of the agreement shall be in at least 8-point type; (b) Contain the name and place of business of the insurance agent or broker negotiating the related insurance …

I. The commissioner may suspend or revoke the registration of a discount medical plan organization to operate in the state if the commissioner finds that any of the following conditions exist: (a) The discount medical plan organization is not operating in compliance with this cha…

I. Required Provisions. Except as provided in paragraph III of this section each such policy delivered or issued for delivery to any person in this state shall contain the provisions specified in this paragraph in the words in which the same appear in this section; provided, howe…

Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within 30 days of its delivery…

I. Consumer guaranty contracts shall not be issued, sold, or offered for sale in this state unless the obligor or a sales representative with express authority from the obligor has: (a) Provided a receipt for, or other written evidence of, the purchase of the consumer guaranty co…

I. The commissioner may, upon reasonable notice, conduct an examination of the loss reserves, financial condition, specific excess insurance, and working capital of a multiple-employer welfare arrangement. If the commissioner preliminarily finds that the reserves, specific excess…

No accident or health insurance policy issued, renewed or continued 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…

Each insurer that issues or renews any individual policy of 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 long-term antibiotic therapy for tic…

An insurer issuing or renewing accident and health insurance policies shall allow its insureds to purchase an up-to-90-day supply of covered prescription drugs on the covered person's health plan formulary at one time at a pharmacy of the insured's choice within the insurer's net…

No accident or health insurance policy issued, renewed or continued on or after January 1, 1993, shall contain any provision denying insurance benefits for psychiatric or psychological services, including psychological examinations, solely because they are rendered to an insured …

I. Each insurer that issues or renews any individual policy of 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 the provision of nonprescription e…

Upon issuing any individual health insurance policy providing hospital, medical-surgical or major medical benefits, an insurer shall offer the insured the option of including a maternity benefits rider if maternity care is not covered under the policy. Nothing in this section sha…

Each insurer that issues or renews any individual policy, plan, or contract of 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 medically appropr…

Any insurer issuing an individual policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses under this chapter shall provide to each new policyholder who is a resident of this state a copy of the patients' bill of rights law und…

I. No insurer that issues or renews any individual policy of 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…

I. (a) Each insurer that issues or renews any individual policy of 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 …

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 …

I. Each insurer that issues or renews any individual policy of 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 the provision of benefits for pros…

I. Each insurer that issues or renews any individual policy of 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…

Each insurer that issues or renews any individual policy, plan, or contract of accident or health insurance providing maternity benefits, shall also provide to certificate holders of such insurance, who are residents of this state, coverage consistent with the terms and condition…

I. Each insurer that issues or renews any individual policy, plan, or contract of 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 and who meet the criteria fo…