reglab/statecodes huggingface dataset:
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:23 - Taxation.

418:23 Taxation. –
Every society organized or licensed under this chapter is hereby declared to be a charitable and benevolent institution, and all of its funds shall be exempt from all and every state, county, and municipal tax, other than taxes on real estate and office equipment.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:24 - Valuation.

418:24 Valuation. –
I. Standards of valuation for certificates issued prior to one year after the effective date of this chapter shall be those provided by the laws applicable immediately prior to the effective date of this chapter.
II. The minimum standards of valuation for certificates issued on or after one year from the effective date of this chapter shall be based on the following tables:
(a) For certificates of life insurance, the Commissioner's 1941 Standard Ordinary Mortality Table, the Commissioner's 1941 Standard Industrial Mortality Table, the Commissioner's 1958 Standard Ordinary Mortality Table, the Commissioner's 1980 Standard Ordinary Mortality Table or any more recent table made applicable to life insurers.
(b) For annuity and pure endowment certificates, for total and permanent disability benefits, for accidental death benefits, and for non-cancellable accident and health benefits, such tables as are authorized for use by life insurers in this state.
(c) All of the above shall be under valuation methods and standards (including interest assumptions) in accordance with the laws of this state applicable to life insurers issuing policies containing like benefits.
III. The commissioner may, in his or her discretion, accept other standards for valuation if the commissioner finds that the reserves produced thereby will not be less in the aggregate than reserves computed in accordance with the minimum valuation standard herein prescribed. The commissioner may, in his or her discretion, vary the standards of mortality applicable to all benefit contracts on substandard lives or other extra hazardous lives by any society authorized to do business in this state.
IV. Any society, with the consent of the commissioner of the state of domicile of the society and under such conditions, if any, which the commissioner may impose, may establish and maintain reserves on its certificates in excess of the reserves required thereunder, but the contractual rights of any benefit member shall not be affected thereby.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:25 - Reports.

418:25 Reports. –
Reports shall be filed in accordance with the provisions of this section:
I. Every society transacting business in this state shall annually, on or before March 1, unless for cause shown such time has been extended by the commissioner, file with the commissioner of insurance a true statement of its financial condition, transactions and affairs for the preceding calendar year. The statement shall be in general form and context as approved by the National Association of Insurance Commissioners for fraternal benefit societies and as supplemented by additional information required by the commissioner.
II. As part of the annual statement herein required, each society shall, on or before March 1, file with the commissioner a valuation of its certificates in force on December 31 last preceding, provided the commissioner may, in his or her discretion for cause shown, extend the time for filing such valuation for not more than 2 calendar months. Such valuation shall be done in accordance with the standards specified in RSA 418:24. Such valuation and underlying data shall be certified by a qualified actuary or, at the expense of the society, verified by the actuary of the department of insurance of the state of domicile of the society.
III. A society neglecting to file the annual statement in the form and within the time provided by this section shall forfeit $100 for each day during which such neglect continues, and, upon notice by the commissioner to that effect, its authority to do business in this state shall cease while such default continues.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:26 - Annual License.

418:26 Annual License. –
On compliance with the foregoing conditions and if the society is found upon examination made by or under the direction of the commissioner to have complied with the laws of the state applicable to it, a license to transact business in this state shall be issued until June 14 thereafter. Annually thereafter, on June 15, such license may be renewed so long as the society shall comply with the requirements of the law and the commissioner shall regard it as safe, reliable, and entitled to confidence; provided, however, a license so issued shall continue in full force and effect until the new license be issued or specifically refused. No unincorporated or voluntary society shall be permitted to transact business in this state. A duly certified copy or duplicate of such license shall be prima facie evidence that the licensee is a fraternal benefit society within the meaning of this chapter.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:27 - Examination of Domestic Societies; No Adverse Publications.

418:27 Examination of Domestic Societies;  No Adverse Publications. –
I. The commissioner, or any person he or she may appoint, may examine any domestic, foreign or alien society transacting or applying for admission to transact business in this state in the same manner as provided in RSA 400-A:37 and RSA 400-A:38 for examination of domestic, foreign or alien insurers. Requirements of notice and an opportunity to respond before findings are made public as provided in the laws regulating insurers shall also be applicable to the examination of societies.
II. The expense of each examination and of each valuation, including compensation and actual expense of examiners, shall be paid by the society examined or whose certificates are valued, upon statements furnished by the commissioner.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:28 - Foreign or Alien Society Admission.

418:28 Foreign or Alien Society Admission. –
I. No foreign or alien society shall transact business in this state without a license issued by the commissioner. Any such society desiring admission to this state shall comply substantially with the requirements and limitations of this chapter applicable to domestic societies. Any such society may be licensed to transact business in this state upon filing with the commissioner:
(a) A duly certified copy of its articles of incorporation;
(b) A copy of its bylaws, certified by its secretary or corresponding officer;
(c) A power of attorney to the commissioner as prescribed in RSA 418:33;
(d) A statement of its business under oath of its president and secretary or corresponding officers in a form prescribed by the commissioner, duly verified by an examination made by the supervising insurance official of its home state or other state, territory, province or country, satisfactory to the commissioner of insurance of this state;
(e) Certification from the proper official of its home state, territory, province or country that the society is legally incorporated and licensed to transact business therein;
(f) Copies of its certificate forms; and
(g) Such other information as the commissioner may deem necessary; and upon a showing that its assets are invested in accordance with the provisions of this chapter.
II. For each such license or renewal, the society shall pay the commissioner $100.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:29 - Suspension or Revocation of License.

418:29 Suspension or Revocation of License. –
I. When the commissioner upon investigation finds that a domestic, foreign or alien society has exceeded its powers; has failed to comply with any provision of this chapter; is not fulfilling its contracts in good faith; has a membership of less than 400 after an existence of one year or more; or is conducting business fraudulently or in a manner hazardous to its members, creditors, the public or the business; the commissioner shall notify the society of such deficiency or deficiencies and state in writing the reasons for his or her dissatisfaction.
II. The commissioner shall at once issue a written notice to the society requiring that the deficiency or deficiencies which exist are corrected. After such notice the society shall have a 30-day period in which to comply with the commissioner's request for correction, and if the society fails to comply the commissioner shall notify the society of such findings of noncompliance and require the society to show cause, on a date named, why its license should not be suspended or revoked until the violation complained of shall have been corrected.
III. If on the date named in the notice such objections have not been removed to the satisfaction of the commissioner, or the society does not present good and sufficient reason why its authority to transact business in this state should not at that time be suspended or revoked, the commissioner may either suspend or revoke the authority of the society to continue business in this state.
IV. Nothing contained in this section shall be taken or construed as preventing any such society from continuing in good faith all contracts made in this state during the time such society was legally authorized to transact business herein.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:30 - Injunction.

418:30 Injunction. –
No application or petition for injunction against any domestic, foreign or alien society, or lodge thereof, shall be recognized in any court of this state unless made by the attorney general upon request of the commissioner.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:31 - Licensing of Agents.

418:31 Licensing of Agents. –
I. Agents of societies shall be licensed in accordance with the provisions of RSA 402-J regulating the licensing, revocation, suspension or termination of license of resident and nonresident agents.
II. Any person who acts in violation of this section shall, in addition to any penalties or forfeiture with the power of the commissioner, be subject to the provisions of RSA 402-J.
Source.
2003, 182:1, eff. Jan. 1, 2004. 2022, 144:3, eff. Jan. 1, 2023.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:32 - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices.

418:32 Unfair Methods of Competition and Unfair and Deceptive Acts and Practices. –
Every society authorized to do business in this state shall be subject to the provisions of RSA 417, relating to unfair insurance trade practices; provided, however, that nothing in such provisions shall be construed as applying to or affecting the right of any society to determine its eligibility requirements for membership, or be construed as applying to or affecting the offering of benefits exclusively to members or persons eligible for membership in the society by a subsidiary corporation or affiliated organization of the society.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:33 - Service of Process.

418:33 Service of Process. –
I. Every society authorized to do business in this state shall appoint in writing the commissioner and each successor in office to be its true and lawful attorney upon whom all lawful process in any action or proceeding against it shall be served, and shall agree in such writing that any lawful process against it which is served on said attorney shall be of the same legal force and validity as if served upon the society, and that the authority shall continue in force so long as any liability remains outstanding in this state. Copies of such appointment, certified by the commissioner, shall be deemed sufficient evidence thereof and shall be admitted in evidence with the same force and effect as the original thereof might be admitted.
II. Service shall only be made upon the commissioner, or if absent, upon the person in charge of the commissioner's office. It shall be made in duplicate and shall constitute sufficient service upon the society. When legal process against a society is served upon the commissioner, the commissioner shall forthwith forward one of the duplicate copies by registered mail, prepaid, directed to the secretary or corresponding officer. No such service shall require a society to file its answer, pleading or defense in less than 14 days from the date of mailing the copy of the service to a society. Legal process shall not be served upon a society except in the manner under this section.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:34 - Review.

418:34 Review. –
All decisions and findings of the commissioner made under the provisions of this chapter shall be subject to review by proper proceedings in any court of competent jurisdiction in this state.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:36 - Exemption of Certain Societies.

418:36 Exemption of Certain Societies. –
I. Nothing contained in this chapter shall be so construed as to affect or apply to:
(a) Grand or subordinate lodges of societies, orders or associations now doing business in this state which provide benefits exclusively through local or subordinate lodges;
(b) Orders, societies or associations which admit to membership only persons engaged in one or more crafts or hazardous occupations, in the same or similar lines of business, insuring only their own members and their families, and the ladies' societies or ladies' auxiliaries to such orders, societies or associations;
(c) Domestic societies which limit their membership to employees of a particular city or town, designated firm, business house or corporation or which provide for a death benefit of not more than $400 or disability benefits of not more than $350 to any person in any one year, or both; or
(d) Domestic societies or associations of a purely religious, charitable or benevolent description, which provide for a death benefit of not more than $400 or for disability benefits of not more than $350 to any one person in any one year, or both.
II. Any such society or association described in subparagraph I(c) or (d) which provides for death or disability benefits for which benefit certificates are issued, and any such society or association included in subparagraph I(d) which has more than 1,000 members, shall not be exempted from the provisions of this chapter but shall comply with all requirements of this chapter.
III. No society which is exempt from the requirements of this chapter, except any society described in subparagraphs I(a) and (b), shall give or allow, or promise to give or allow to any person any compensation for procuring new members.
IV. Every society heretofore organized and incorporated, and which provides for benefits in case of death or disability resulting solely from accident, and which does not obligate itself to pay natural death or sick benefits shall have all of the privileges and be subject to all the applicable provisions and regulations of this chapter except that the provisions thereof relating to medical examination, valuations of benefit certificates, and incontestability, shall not apply to such society.
V. The commissioner may require from any society or association, by examination or otherwise, such information as will enable the commissioner to determine whether such society or association is exempt from the provisions of this chapter.
VI. Societies exempted under the provisions of this section shall also be exempt from all other provisions of the insurance laws of this state.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 418 - Fraternal Benefit Societies › Section 418:37 - Severability.

418:37 Severability. –
If any provision of this chapter or the application thereof to any person or circumstance is held to be invalid, the invalidity shall not affect any other provision or the application of such provision to other persons or circumstances, and to this end the provisions of this chapter are severable.
Source.
2003, 182:1, eff. Jan. 1, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:1 - Definitions.

420-A:1 Definitions. –
In this chapter:
I. "Commissioner" means the insurance commissioner.
II. "Covered dependent" means the spouse, an adult dependent, or a child or an adopted child of the subscriber who is named in the subscription certificate issued to the subscriber and with respect to whom appropriate premium is specified in the certificate.
II-a. "Date of enrollment" means the first day of coverage under the plan, or, if there is a waiting period, the first day of the waiting period, which is typically the first day of work.
III. "Health service corporation" means a nonprofit sharing corporation without capital stock organized under the laws of the state for the purpose of establishing, maintaining, and operating a health service plan or plans whereby the expense of health-related care may be partially or wholly provided to its subscribers by the payment of benefits for facilities, professional services, appliances, medicines, or supplies furnished directly or indirectly by the health service corporation to its subscribers.
IV. "Provider" means any physician, hospital, or other institution, organization, or other person who furnishes health care services.
V. "Subscriber" means a person to whom a subscription certificate is issued by the health service corporation and which sets forth the kinds and extent of health services for which the health service corporation is liable to make payment and which constitutes the contract between the subscriber and the health service corporation.
Source.
1997, 190:1. 2007, 289:12, eff. Jan. 1, 2008.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:2 - Applicable Statutes.

420-A:2 Applicable Statutes. –
Every health service corporation shall be governed by this chapter and the relevant provisions of RSA 161-H, and shall be exempt from this title except for the provisions of RSA 400-A:39, RSA 401-B, RSA 402-C, RSA 404-F, RSA 415-A, RSA 415-F, RSA 415:6, II(4), RSA 415:6-g, RSA 415:6-k, RSA 415:6-m, RSA 415:6-o, RSA 415:6-r, RSA 415:6-t, RSA 415:6-u, RSA 415:6-v, RSA 415:6-w, RSA 415:6-x, RSA 415:6-y, RSA 415:6-z, RSA 415:6-a1, RSA 415:18, V, RSA 415:18, XVI and XVII, RSA 415:18, VII-a, RSA 415:18-a, RSA 415:18-i, RSA 415:18-j, RSA 415:18-o, RSA 415:18-r, RSA 415:18-t, RSA 415:18-u, RSA 415:18-v, RSA 415:18-w, RSA 415:18-y, RSA 415:18-z, RSA 415:18-aa, RSA 415:18-bb, RSA 415:18-cc, RSA 415:18-dd, RSA 415:18-ee, RSA 415:22, RSA 417, RSA 417-E, RSA 420-J, and all applicable provisions of title XXXVII wherein such corporations are specifically included. Every health service corporation and its agents shall be subject to the fees prescribed for health service corporations under RSA 400-A:29, VII.
Source.
1997, 190:1; 345:9. 1999, 323:7. 2000, 207:6. 2003, 286:4. 2006, 187:3. 2007, 289:35. 2008, 389:3. 2010, 362:3. 2011, 133:3; 189:8, 10. 2012, 278:3. 2014, 299:3, eff. Sept. 30, 2014; 299:6, eff. Oct. 1, 2017. 2015, 263:8, eff. Jan. 1, 2017; 263:9, eff. Oct. 1, 2017 at 12:01 a.m.; 263:12, eff. Jan. 1, 2021. 2016, 326:3, eff. Aug. 23, 2016; 326:4, eff. Oct. 1, 2017 at 12:02 a.m.; 326:5, eff. Jan. 1, 2021 at 12:01 a.m.; 326:9, eff. Jan. 1, 2017 at 12:01 a.m. 2018, 4:13, eff. Feb. 8, 2018; 4:14, eff. Jan. 1, 2021 at 12:02 a.m.; 361:4, eff. Jan. 1, 2019; 361:5, eff. Jan. 1, 2021 at 12:02 a.m. 2019, 113:4, eff. Aug. 20, 2019; 113:5, eff. Jan. 1, 2021 at 12:03 a.m. 2020, 13:11, eff. Jan. 1, 2021; 13:12, eff. Jan. 1, 2021 at 12:04 a.m.; 30:11, eff. Sept. 21, 2020; 30:12, eff. Jan. 1, 2021 at 12:04 p.m.; 39:7, eff. Jan. 1, 2021 at 12:04 a.m.; 39:22, eff. June 30, 2021; 39:23, eff. Jan. 1, 2021 at 12:05 p.m.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:3 - Incorporation.

420-A:3 Incorporation. –
Persons desiring to form a health service corporation may incorporate under RSA 292, but subject to the following provisions:
I. The certificate of incorporation of each health service corporation shall have endorsed upon it or attached to it the approval of the commissioner, if the commissioner finds the same to be in accordance with this chapter.
II. The certificate shall include a statement of the territory in which the health service corporation will operate and a statement of the purposes of such corporation.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:4 - License to Health Service Corporation.

420-A:4 License to Health Service Corporation. –
I. No health service corporation organized under the laws of this state shall do business unless it has obtained a license from the commissioner.
II. No health service corporation organized under the laws of any other state or country shall be licensed to do business in this state except as provided in RSA 420-A:29.
III. Application for such license shall be made in the form required by the commissioner and shall contain the information the commissioner deems necessary. The application shall be accompanied by a copy of each of the following documents:
(a) Articles of incorporation.
(b) Bylaws.
(c) Proposed contracts to be issued to subscribers showing a table of rates to be charged and the benefits to which they will be entitled.
(d) Proposed contracts, if any, between the health service corporation and providers.
(e) Financial statements.
IV. The commissioner shall issue a license when the commissioner finds:
(a) The applicant is established as a bona fide nonprofit health service corporation;
(b) The applicant has paid an annual license fee in accordance with RSA 400-A:29;
(c) The contracts between the applicant and providers, if any, obligate the respective providers to provide the service or thing to which the subscriber may be entitled under the terms of the contract to be issued to subscribers;
(d) The rates to be charged and the benefits to be provided are reasonable and nondiscriminatory;
(e) The financial condition of the applicant is sound and provides assurance of its ability to meet its obligations; and
(f) The applicant is reliable, entitled to public confidence and has complied with the laws of the state applicable to it.
V. Any such license may be revoked for cause shown and after notice and hearing upon failure to maintain the requirements of this chapter.
VI. All such licenses shall expire on June 14, but may be renewed upon payment of the annual license fee.
Source.
1997, 190:1. 2000, 162:4, eff. July 22, 2000.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:5 - Directors.

420-A:5 Directors. –
The directors of a health service corporation:
I. Shall at all times include representation from the following groups:
(a) The general public exclusive of those falling within subparagraphs (b) and (c) and paragraph II.
(b) Physicians actively engaged in practice.
(c) Administrators or trustees of hospitals, if any, which have contracted with the health service corporation to render nonprofit hospital service or indemnity to subscribers.
II. May include representatives of other health care providers. The number of directors described in subparagraph I(a) shall exceed the combined total of the number of directors described in subparagraphs I(b) and (c) and this paragraph.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:6 - Liability of Directors, Officers, and Trustees.

420-A:6 Liability of Directors, Officers, and Trustees. –
I. A health service corporation may indemnify any person who serves as director, officer, or trustee of such corporation by contract or by including an indemnity provision in its articles of agreement or bylaws substantially in accordance with RSA 293-A:8.50 through RSA 293-A:8.58. Indemnity may be offered for any and all damages occurring on or after January 1, 1991.
II. A health service corporation may amend its articles of agreement to contain a provision eliminating or limiting the personal liability of a director, officer, or trustee to such corporation and its members and subscribers for monetary damages for breach of fiduciary duty as a director, an officer, or both, except with respect to:
(a) Any breach of the director's, officer's or trustee's duty of loyalty to the corporation and its members and subscribers.
(b) Acts or omissions which are not in good faith or which involve intentional misconduct or a knowing violation of law.
(c) Actions for which a director, officer, or trustee derived an improper personal benefit.
III. Paragraph II shall not be construed to eliminate or limit the liability of a director, an officer, a trustee or any combination thereof, for any act or omission occurring prior to July 13, 1991.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:7 - License to Agents.

420-A:7 License to Agents. –
I. No person, for himself or in behalf of any person, shall sell or offer to sell any such health service as is provided for in this chapter without being licensed therefor by the commissioner pursuant to RSA 402-J.
II. Upon written notice by a health service corporation licensed to do business in this state of its appointment of a person to act as its agent under this chapter, the commissioner shall, if the commissioner is first satisfied that the appointee is a suitable person and intends to hold himself out in good faith as an agent, upon payment of the proper fee by the applicant, issue to the appointee a license to act as such agent.
III. A license previously issued may be renewed upon the application of the health service corporation upon payment of the proper fee.
IV. The commissioner may at any time after granting such license, for cause shown and after notice and hearing, determine such licensee to be unsuitable to act as such agent, and shall thereupon revoke such license and notify both the health service corporation and the agent of such revocation.
V. Unless revoked by the commissioner, or unless the health service corporation by written notice to the commissioner cancels the agent's authority to act for it, such license issued to an agent, or any renewal of such license, shall expire on June 14 of the second year after its issue.
VI. If a person acts or aids in any manner in the negotiation of health insurance contracts, or solicits or receives any risk or application for such service, without a license from the insurance commissioner, or if the license granted to such person or to the health service corporation for which the person acts as agent has been revoked, such person shall be guilty of a class A misdemeanor if a natural person, or guilty of a felony if any other person; but any contract issued on an application thus procured shall bind the health service corporation if otherwise valid. This paragraph shall not apply to any office employee of the health service corporation, or to any persons rendering their services without compensation.
Source.
1997, 190:1. 2000, 315:22. 2005, 206:8, eff. Jan. 1, 2006.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:8 - Filing and Approval of Contracts and Rates.

420-A:8 Filing and Approval of Contracts and Rates. –
I. No health service corporation shall enter into any contract with subscribers until it shall have filed with the commissioner a copy of the form of such contract, including all riders and endorsements to the contract and until the commissioner's approval thereof shall have been obtained. Any form of contract not disapproved by the commissioner within 90 days after the filing shall be deemed to have been approved as filed.
II. No health service corporation shall enter into any contract with subscribers until it shall have filed with the commissioner a full schedule of rates to be paid by the subscribers and shall have obtained the said commissioner's approval. The commissioner may refuse such approval if the commissioner finds such rates are excessive, inadequate, or discriminatory. For the purpose of determining the proper rates to be charged for such services, the commissioner may employ a competent actuary who shall be paid by the health services corporation for which the services are rendered.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:10 - Part-Time Employees.

420-A:10 Part-Time Employees. –
A health service corporation shall not exclude part-time employees and shall offer the same insurance benefits to part-time employees as it offers to the employee groups of which the part-time employees would be members if they were full-time employees. The insurer shall offer to include the part-time employees as part of the employer's employee group, at the full rate to be paid by the employer, at a rate prorated between the employer and the employee, or at the employee's expense. A part-time employee shall be any employee who regularly works at least half of the weekly hours of the full-time employee in the employee group of which the part-time employee would be a member if such employee were a full-time employee, but who works a minimum of at least 15 hours per week.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:10-a - Dependent Coverage.

420-A:10-a Dependent Coverage. –
I. A policy may, at the election of the carrier, insure, originally or by subsequent amendment, upon application of an adult member of a family who shall be deemed the policyholder, any 2 or more eligible members of that family, including husband, wife, dependent children, or any other person dependent upon the policyholder. In the event a carrier elects to provide coverage for dependent children, the term "dependent child" shall include a subscriber's child by blood or by law, who is under age 26.
I-a. The coverage of any family member insured by such policy, pursuant to paragraph I, who is mentally or physically incapable of earning his or her own living as of the date on which such dependent's status as a covered family member would otherwise expire because of age, shall continue under such policy while such policy remains in force or is replaced by another policy as long as such incapacity continues and as long as such dependent remains chiefly financially dependent on the policyholder or the employee or his or her estate is chargeable for the care of such dependent; provided, that due proof of such incapacity is received by the insurer within 31 days of such expiration date. If such coverage is continued in accordance with this paragraph, such dependent shall be entitled upon the termination of such incapacity to coverage offered by the New Hampshire high risk pool under RSA 404-G.
II. Nothing in this section shall be construed to require:
(a) Coverage for services provided to a dependent before the effective date of this section; or
(b) That an employer pay all or part of the cost of family coverage that includes a dependent as provided pursuant to this section.
III. A subscriber that elects family coverage during any applicable open enrollment period may enroll any dependent eligible pursuant to this section.
IV. Coverage for a dependent provided pursuant to this section shall be provided until the earlier of the following:
(a) The dependent is disqualified for dependent status as set forth in paragraph I of this section; or
(b) The date upon which the employer under whose contract coverage is provided to a dependent ceases to provide coverage to the subscriber.
V. Nothing in this section shall be construed to permit a health insurance carrier to refuse an election for coverage by a dependent pursuant to paragraph III, based upon the dependent's prior disqualification pursuant to subparagraph IV(a).
VI. (a) Notice regarding coverage for a dependent as provided pursuant to this section shall be provided to a subscriber:
(1) In the certificate of coverage prepared for subscribers on or about the date of commencement of coverage; and
(2) Within 30 days following the effective date of this section.
(b) Such notice shall include information regarding the required special open enrollment period.
Source.
2007, 352:2. 2009, 235:9. 2010, 243:9, eff. Sept. 23, 2010.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:11 - Cancellation or Nonrenewal of Group Insurance Contracts.

420-A:11 Cancellation or Nonrenewal of Group Insurance Contracts. –
No group accident or health insurance contract, authorized under this chapter, may be cancelled or nonrenewed by the health service corporation, except for nonpayment of premium, unless the group contract holder receives either a notice of cancellation or nonrenewal or an offer of renewal in accordance with this section. The notice of cancellation or nonrenewal or offer of renewal shall be delivered to the group contract holder or mailed to the group contract holder's last address as shown in the records of the health service corporation at least 45 days prior to the renewal date of the contract. Notice of cancellation for lack of participation, if permitted by the terms of the contract, shall be delivered to the group contract holder or mailed to the group contract holder's last address as shown in the records of the health service corporation, at least 30 days prior to the effective date of the cancellation.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:12 - Cancellation or Nonrenewal of Non-Group Insurance Contracts.

420-A:12 Cancellation or Nonrenewal of Non-Group Insurance Contracts. –
No non-group accident or health insurance contract, authorized under this chapter, may be cancelled or nonrenewed by the health service corporation except for nonpayment of premium, unless the insured receives either a notice of cancellation or nonrenewal or an offer of renewal in accordance with this section. The notice of cancellation or nonrenewal or offer of renewal shall be delivered to the insured or mailed to the insured's last address as shown in the records of the health service corporation at least 30 days prior to the renewal date of the contract.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:14 - Coverage for Scalp Hair Prostheses.

420-A:14 Coverage for Scalp Hair Prostheses. –
I. Every health service corporation and every other similar corporation licensed under the laws of another state, which provides coverage for other prostheses, shall provide to each group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state and whose principal place of employment is in this state, coverage for expenses for scalp hair prostheses worn for hair loss suffered as a result of alopecia areata, alopecia totalis, alopecia medicamentosa resulting from the treatment from any form of cancer or leukemia, or permanent loss of scalp hair due to injury. Such coverage, however, shall be subject to a written recommendation by the treating physician stating that the hair prosthesis is a medical necessity. Such coverage shall be subject to the same limitations and guidelines as other prostheses, provided, that such coverage for alopecia medicamentosa shall not exceed $350 per year.
II. For the purposes of this section:
(a) "Prostheses" means artificial appliances used to replace lost natural structures. Prostheses include, but are not limited to, artificial arms, legs, breasts, or glass eyes.
(b) "Scalp hair prostheses" means artificial substitutes for scalp hair that are made specifically for a specific individual.
Source.
1997, 190:1. 2001, 276:4, eff. Sept. 14, 2001.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:15 - Coverage During Adoption Proceedings.

420-A:15 Coverage During Adoption Proceedings. –
All contracts issued by a health service corporation which provide coverage for a family member of the subscriber shall, as to such family member's coverage, also provide that health insurance benefits applicable for children are payable with respect to any minor from the date such minor is placed in the custody of the subscriber pursuant to an adoption proceeding under the provisions of RSA 170-B. Such health insurance benefits shall terminate upon dismissal or withdrawal of the petition for adoption.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:15-a - Third-Party Payment of Covered, Court-Ordered Services.

420-A:15-a Third-Party Payment of Covered, Court-Ordered Services. –
The existence of a court order under RSA 169-B, RSA 169-C, or RSA 169-D for a service, program, or placement that is covered under any insurance for the minor shall not be considered in determining qualification for third-party payment under such insurance. Benefits for such services shall be subject to the same dollar limits, deductibles, co-payments and co-insurance factors and to the terms and conditions of the policy or certificate, including any managed care provisions. However, the claimant or claimant's representative shall have 48 hours from the commencement of a court-ordered service, placement, or program to seek any pre-authorization, pre-certification, or referral required under the terms of the policy. The determination of these preservice claims for court-ordered services for a minor shall be made as soon as possible, taking into account the medical exigencies, but in no event later than 48 hours after receipt of the request and sufficient information, unless the claimant or claimant's representative fails to provide sufficient information to determine whether, or to what extent, benefits are covered or payable. In the case of such failure, the insurer shall notify the claimant or claimant's representative within 24 hours of receipt of the request and shall advise the claimant or claimant's representative of the specific information necessary to determine to what extent benefits are covered or payable. The claimant or claimant's representative shall be afforded a reasonable amount of time, taking into account the circumstances, but not less than 48 hours, to provide the specified information. Thereafter, notification of the claim determination shall be made as soon as possible, but in no case later than 48 hours after the earlier of:
I. The insurer's receipt of the specified additional information; or
II. The end of the period afforded the claimant or claimant's representative to provide the specified additional information.
Source.
2004, 117:2, eff. Aug. 15, 2004.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:15-b - Coverage for Dependents.

420-A:15-b Coverage for Dependents. –
If the coverage for dependent children includes coverage for dependent children who are full-time students, as defined by the appropriate educational institution, beyond the age of 18, such dependent coverage shall include coverage for a dependent's medically necessary leave of absence from school for a period not to exceed 12 months or the date on which coverage would otherwise end pursuant to the terms and conditions of the policy, whichever comes first. Any breaks in the school semester shall not disqualify the dependent child from coverage under this section. Documentation and certification of the medical necessity of a leave of absence shall be submitted to the insurer by the student's attending physician and shall be considered prima facie evidence of entitlement to coverage under this section. The date of the documentation and certification of the medical necessity of a leave of absence shall be the date the insurance coverage under this section commences.
Source.
2007, 289:13, eff. Jan. 1, 2008.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:16 - Notification of Allowable Benefit.

420-A:16 Notification of Allowable Benefit. –
All health service corporations and every other similar corporation licensed under the laws of another state shall provide to each subscriber, on request, a written statement of the dollar amount of allowable benefit for any procedure which is requested by the appropriate procedure code.
Source.
1997, 190:1, eff. Jan. 1, 1998.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:16-a - Patients' Bill of Rights.

420-A:16-a Patients' Bill of Rights. –
Every health service corporation and every other similar corporation licensed under the laws of another state shall provide to each new subscriber who is a resident of this state a copy of the patients' bill of rights law under RSA 151:21.
Source.
1997, 331:19, eff. Jan. 1, 1998 at 12:01 a.m.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:17 - Coverage for Nonprescription Enteral Formulas.

420-A:17 Coverage for Nonprescription Enteral Formulas. –
I. Every health service corporation and every other similar corporation licensed under the laws of another state that issues or renews any policy of individual or group accident or health insurance providing benefits for medical or hospital expenses shall provide to each individual or group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state, coverage for the provision of nonprescription enteral formulas for the treatment of impaired absorption of nutrients caused by disorders affecting the absorptive surface, functional length, or motility of the gastrointestinal tract. Such coverage shall be provided when the prescribing physician has issued a written order stating that the enteral formula is needed to sustain life, is medically necessary, and is the least restrictive and most cost effective means for meeting the needs of the patient.
II. Every health service corporation and every other similar corporation licensed under the laws of another state that issues or renews any policy of individual or group accident or health insurance providing benefits for medical or hospital expenses, shall provide to each individual or group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state, coverage for the provision of nonprescription enteral formulas and food products required for persons with inherited diseases of amino acids and organic acids. Such coverage shall be provided when the prescribing physician has issued a written order stating that the enteral formula or food product is medically necessary and is the least restrictive and most cost effective means for meeting the needs of the patient. Coverage for inherited diseases of amino acids and organic acids shall, in addition to the enteral formula, include food products modified to be low protein in an amount not to exceed $1,800 annually for any insured individual.
III. The benefits included in this section shall not be subject to any greater deductible than any other benefits provided by the insurer. The coinsurance required by the enrolled participant shall not exceed the amount allowed under the contract for the reasonable and customary charge for the service provided.
Source.
1997, 190:1. 2010, 188:7, eff. Aug. 20, 2010.
2023 New Hampshire Revised Statutes › Title XXXVII - Insurance › Chapter 420-A - Health Service Corporations › Section 420-A:17-a - Coverage for Diabetes Services and Supplies.

420-A:17-a Coverage for Diabetes Services and Supplies. –
Every health service corporation and every similar corporation licensed under the laws of another state that issues or renews any policy, plan, or contract of individual or group accident or health insurance providing benefits for medical or hospital expenses, shall provide to each individual or group, or to the portion of each group comprised of certificate holders of such insurance who are residents of this state, coverage for the medically appropriate and necessary outpatient self-management training and educational services, pursuant to a written order of a primary care physician or practitioner, including but not limited to medical nutrition therapy for the treatment of diabetes, provided by a certified, registered, or licensed health care professional with expertise in diabetes, subject to the terms and conditions of the policy. Each health service corporation that issues or renews any individual or group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses which provides a prescription rider shall cover medically appropriate or necessary insulin, oral agents, and equipment used to treat diabetes subject to the terms and conditions of the policy. Each health service corporation that provides coverage for prescription insulin drugs shall cap the total amount that a covered person is required to pay for each covered insulin drug prescription at an amount not to exceed $30 for each 30-day supply of each insulin prescription. The maximum $30 copayment for each 30-day supply of each covered insulin drug prescription shall apply when an original prescription is dispensed as well as when refills of the prescription are dispensed, including early refills. Coverage for prescription insulin drugs shall not be subject to any deductible. Each health service corporation that issues or renews any individual or group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses which provides for durable medical equipment coverage shall provide coverage for medically appropriate or necessary equipment used to treat diabetes subject to the terms and conditions of the policy.
Source.
1997, 258:7. 2010, 188:13, eff. Aug. 20, 2010. 2020, 13:3, eff. Sept. 14, 2020.