New Hampshire Health Insurance

When researching your health insurance options in the state of New Hampshire, there are several questions you should ask yourself when beginning your search. If your employer does not offer benefits, are you health enough to obtain health insurance on the individual market? If so, CounterPoint Insurance can be of service to you in quoting plans appropriate to your needs and ability to afford. If you ‘re self-employed, own your own business, whether you are sole proprietor or employing between 1-50 employees, CounterPoint Insurance can also assist in obtaining small group coverage.

Health insurance policies most often provide coverage for:

• Doctors visits
• Prescriptions
• Medical Testing
• Specialized care
• Surgical procedures

Although every NH health insurance policy is different, typically you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy. Most insurance agents can offer you two types of health care coverage:

• Indemnity Plans (or Fee-for services plans)
  • Cafeteria/Flexible Spending Plans
  • Indemnity Health Plans
  • Basic & Essential Health Plans
  • High Deductible Health Plans (HDHP)
  • Health Savings Accounts (HSA)
• Managed Care Plans
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPO)

CounterPoint Insurance also provides Medicare supplements and Long Term Care solutions.

Why choose a Medicare Supplement Plan?

Although Medicare pays for many health care services and supplies, it doesn’t pay for all of them. A Medicare Supplement Plan (sometimes referred to as Medigap insurance) will help pay for those costs which are not covered. This could include deductibles, coinsurance and copayments that may need to be paid whenever you receive care. As Medicare Supplement Plan allows you to see any provider who accepts Medicare without a referral.

Paying for Long Term Care

When it comes to long term health care, many Americans incorrectly assume that Medicare, supplemental policies or standard health insurance policies will cover the expenses. Consequently, many people do not plan ahead financially to provide for their care in the event of infirmity or extended illness. Costs of services provided by a nursing facility can exceed $50,000 annually, or more than $4,000 per month. Costs for residing in an assisted living facility average $24,00 annually, but can cost much more in urban settings or if a resident needs a high level of services.

As these figures show, paying for long term care calls for financial planning for your health needs, especially as you approach retirement. will be able to help with the planning and development of a customized Long Term Care Insurance policy, to help plan for the unexpected.

Contact CounterPoint Insurance today for a free New Hampshire health insurance quote and more information on all of the policy options we offer.