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You and your employees, as individuals, may be eligible for the following publicly-funded programs. Each has its own eligibility criteria so look at each one carefully.
Medicare is a federal health insurance program for:People age 65 or older,
People under 65 with certain disabilities, and
People of all ages with End-Stage Renal DiseaseIf you are over 65, this should be your primary choice – even if you are still working full- or part-time.
The Medicare programs include:
Part A Hospital Insurance. Part A is paid for through payroll taxes while working. Most people don’t pay a premium for Part A. Part A helps cover inpatient care in hospitals, including critical access hospitals, skilled nursing facilities, hospice care, and some home health care. Medicare does not pay for custodial or long-term care. You must meet certain conditions to receive Part A benefits.
Part B Medical Insurance. Part B helps cover doctors’ services and outpatient care. It also covers other medical services that Part A doesn’t cover, such as some physical therapy and occupational therapy services and some home health care. It pays for covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Part D Prescription Drug Coverage. Medicare prescription drug coverage is insurance provided through private companies. You choose a plan and pay the monthly premium. For more information, visit Medicare on-line.
Medicare supplemental insurance is private health insurance that pays all, or a portion, of the costs not covered by Medicare. There are several standard Medigap insurance programs.
If you are on the original Medicare program, you may want to consider buying this type of insurance. If you are in a Medicare + Choice Plan, you don’t need a Medigap policy.
For more information, contact your insurance agent or broker or AARP.
NH Healthy Kids is health insurance for children under the age of 19. There are three programs: Gold, Silver, and Buy-In. Each level has its own eligibility, benefits and cost. The amount you pay depends on your family’s income. Many New Hampshire families qualify for free coverage. For current eligibility guidelines, click here.
- Full range of health and dental services using providers who contract with the NH Department of Health & Human Services
- Income guidelines apply
- No cost to family
- Managed care plan using the Anthem Blue Cross Blue Shield network of health care providers
- Dental services through the Northeast Delta Dental network of dentists
- To be eligible, your child must be uninsured for six consecutive months prior to enrollment. This requirement may be waived for good cause (for example, loss of a job or domestic violence).
- Cost is based on your income and family size. A co-payment is required for some services.
- Families not eligible for state-sponsored coverage through NH Healthy Kids may be able to buy into the Silver program.
- Available for:
- families with children ages 1-19 with higher incomes,
- non-citizen children who are legal residents but otherwise not eligible,
- children over the age of 19 who are still enrolled in high school, and
- children who have been uninsured for three consecutive months prior to enrollment
- Cost is a flat rate per child, per month.
For a quick summary of the options outlined above, click here.
For more information about NH Healthy Kids, eligibility guidelines, cost, and application form visit the NH Healthy Kids website
