Some insurance companies reinstate cost sharing as pandemic enters year two


Health insurance coverage evolves as the phases of the COVID-19 pandemic evolve, including charges some Granite Staters may see when seeking care. Others were granted by insurers as gestures of goodwill during the crisis. But as the crisis begins to subside, cost sharing returns. “The department has issued an order requiring all New Hampshire carriers to cover COVID testing and associated medical examination without any cost sharing or co-payment,” said Chris Nicolopolous, commissioner of the Department of Insurance. The testing and vaccination portion of the order is in effect until further notice. But unless those in New Hampshire are covered by Harvard Pilgrim, which has extended its fee waiver for all COVID expenses, requiring treatment or hospitalization due to COVID-19 will incur costs. Anthem Blue Cross and Blue Shield’s fee waiver expired at the end of January. According to the New Hampshire Healthy Families Ambetter website, his waiver expired last week, with a special enrollment period open until Aug. 15 for those without insurance coverage. “As part of this special enrollment period, there are new income guidelines so that people who qualified for a grant in a previous application can receive a larger grant this time around,” said Nicolopolous. able to offer better deals, and if they choose to stay with the same carrier, the deductibles may be postponed. “Typically, changing plans would force every consumer to start over with these deductibles,” said Nicolopolous. “It was a huge decision on the part of our insurers here in New Hampshire.” According to the US Department of Health and Human Services, nearly 23,000 uninsured residents of New Hampshire are newly eligible for premium tax credits. >> MORE FROM WMUR: New website offers help with housing discrimination

Health insurance coverage evolves as the phases of the COVID-19 pandemic evolve, including charges some Granite Staters may see when seeking care.

Some of the fees that had been waived in the past year were government mandated. Others were granted by insurers as gestures of goodwill during the crisis. But as the crisis begins to recede, cost sharing returns.

“The department has issued an order requiring all New Hampshire carriers to cover COVID testing and associated medical examination without any cost sharing or co-payment,” said Chris Nicolopolous, commissioner of the Department of Insurance.

The testing and vaccination portion of the order is in effect until further notice. But unless those in New Hampshire are covered by Harvard Pilgrim, which has extended its fee waiver for all COVID expenses, requiring treatment or hospitalization due to COVID-19 will incur costs.

Anthem Blue Cross and Blue Shield’s fee waiver expired at the end of January. According to the website for Ambetter of New Hampshire Healthy Families, his waiver expired last week.

A special registration period is now open until August 15 for those without insurance coverage.

“As part of this special registration period, there are new income guidelines so that people who qualified for a grant in a previous application can receive a larger grant this time around,” said Nicolopolous. .

If a family is currently registered, health.gov may be able to offer better deals, and if they choose to stay with the same carrier, deductibles may be postponed.

“Typically, changing plans would force every consumer to start over with these deductibles,” said Nicolopolous. “It was a huge move on the part of our insurers here in New Hampshire.”

According to the US Department of Health and Human Services, nearly 23,000 uninsured residents of New Hampshire are newly eligible for premium tax credits.

>> MORE FROM WMUR: New website offers help with housing discrimination



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