|
New Hampshire Health Insurance Information
- Family or Individual -
|
|
(HMO, PPO, POS or Major Medical Coverage)
|
|
(also Maine)
|
|
Individual or family health insurance can provide the
important protection needed in the event of illness and for regular preventive care. Using the strength and experience of our health insurance markets, Gorman Insurance can offer affordable HMO, PPO, POS, and Major Medical Health Insurance policy coverages throughout New Hampshire and Maine. |
|
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than plans that limit choices. Individual and family health insurance plans that help to manage the care you receive, such as PPO and POS plans, usually cost you less, but you must give up some freedom of choice. |
|
Learn more about HMO, PPO, and POS managed health care
insurance policies we offer throughout New Hampshire by clicking on a link below or click on the link for information on Major Medical health insurance. |
|
Click on the link below to fill out a quote request form for a New
Hampshire health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Health Insurance agent specialists toll free at
1-800-678-3431 to discuss the features.
|
|
We are your local southeastern New Hampshire, southern Maine insurance agency,
offering affordable health insurance policy premiums in the following cities and counties: Somersworth, Durham, Portsmouth, Dover, Rochester, Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington, Milton, Barnstead, Nottingham, Northwood, Raymond, Newmarket, Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville, Deerfield, West Rye, Derry, Chichester, South Barnstead, Gilmanton, New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont, Newport, Keene, Hampton, Rye Beach, Strafford County, Rockingham County, Hillsborough County, Merrimack County, and Belknap County, NH. We also offer health insurance policy services throughout the state of New Hampshire, including the Manchester, Nashua, and Concord area. Our service area in southern Maine includes the following cities and counties: South Lebanon, Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills, Wells Beach, York Beach, Kittery Point, Kennebunk, Saco, Biddeford, Alfred, Portland, Scarborough, Westbrook, Waterboro, Shapleigh, Newfield, Buxton, Goodwins Mills, South Sanford, Cape Elizabeth, South Portland, York County, and Cumberland County, ME. |
|
* Preventive care emphasis
|
|
* Primary care physician (PCP) coordinates your total care
|
|
* Must get a referral from your PCP to visit a specialist
|
|
* Fixed monthly fee
|
|
HMO Health Insurance Policy Overview - New Hampshire
|
|
Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. You choose a primary care physician (PCP) from a list of participating doctors from where you live in New Hampshire. That doctor is used for typical circumstances such as annual exams and usual health issues. If you need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer you to a provider or facility within the HMO system. Your doctor must give authorization for those services to be covered by your HMO. In other words, you must see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit yourself. |
|
Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network. |
|
You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a New Hampshire HMO health maintenance plan. |
|
Click on the link below to fill out a quote request form for a New Hampshire
HMO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Health Insurance agent specialists toll free at 1-800-678-3431 to discuss the features. |
|
* Convenient access to quality health care
|
|
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
|
* Pay for services as they are provided
|
|
PPO Health Insurance Policy Overview - New Hampshire
|
|
You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or other services as you do in an HMO. You can see doctors or specialists outside your PPO network, however, your portion of the costs will be higher. |
|
You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as emergency room, mental health and chemical dependency services, may carry additional costs in a New Hampshire PPO health insurance plan. |
|
Click on the link below to fill out a quote request form for a New Hampshire
family or individual PPO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our Health Insurance agent specialists toll free at 1-800-678- 3431 to discuss the features. |
|
* Preventive care emphasis
|
|
* Pays benefits for out-of-network care, but at a lower level
|
|
POS Health Insurance Policy Overview - New Hampshire
|
|
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by the insurance. Care you receive from out-of-plan health care professionals is reimbursed, but you must pay an often times much higher co-payment or deductible amount. While you may choose to see a physician outside the network, if you don't receive permission from your (PCP) primary care physician, you're likely to end up submitting the bills yourself and receiving only a small reimbursement...if any.
Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered by the policy. |
|
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a New Hampshire POS health insurance plan. |
|
Click on the link below to fill out a quote request form for a New Hampshire
family or individual POS health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our Health Insurance agent specialists toll free at 1-800-678-3431 to discuss the features. |
|
Major medical health insurance provides benefits up to a high limit for most
types of medical expenses incurred, subject to a deductible. Once you meet the deductible, our New Hampshire Major Medical Insurance plans pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you pay the other 20%, which is known as co-insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference. |
|
With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the insurance company, which pays part of it. Usually, you have a deductible such as $250 or more to pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions as well as from doctors and hospitals. |
|
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. Major Medical Insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing a New Hampshire HMO, PPO, or POS plan. |
|
Click on the link below to fill out a quote request form for a New
Hampshire family or individual Fee-for-Service / Major Medical health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our Health Insurance agent specialists toll free at 1-800-678-3431 to discuss the features. |
|
Learn more about the other types of Individual or Family Health Insurance
polices we offer in New Hampshire by clicking on a link below! |
|
Learn more about the other types of Individual or Family Health Insurance
polices we offer in New Hampshire by clicking on a link below! |
|
Managed Health Care Plans:
|
|
Fee-for-Service Health Plan:
|
|
Learn more about the other types of Individual or Family Health Insurance
polices we offer in New Hampshire by clicking on a link below! |
|
Managed Health Care Plans:
|
|
Fee-for-Service Health Plan:
|
|
Learn more about the other types of Individual or Family Health Insurance
polices we offer in New Hampshire by clicking on a link below! |
|
Managed Health Care Plans:
|
|
Fee-for-Service Health Plan:
|
|
Managed Health Care Plans:
|
|
Copyright 2005-2008 Gorman Insurance &
Risk Management Services - All rights reserved
|
|
Site Built & Maintained by InsuranceWebsiteServices.com
|
|
(also Maine)
|
|
**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any decisions regarding these services should be discussed with a licensed insurance agent or financial services representative. |
|
(also Maine)
|
|
(also Maine)
|
|
(also Maine)
|
|
(also Maine)
|
|
Personal Insurance
|
|
Health Insurance
|
|
Gorman Insurance &
Risk Management Services
396 High Street
Somersworth, NH 03878
Strafford County, NH
(603) 692-3431
(603) 868-3598 - Durham
Toll Free: 1-800-678-3431
Fax: (603) 692-2660
|
|
Answer a few questions
and we will provide you with a quote by email or phone. Choose the Personal or Business insurance coverage you're interested in from the menu above. |
