When am I eligible for a Conversion Policy?

• In New Hampshire, if you have coverage through an employer’s fully insured group health plan and you leave that job, you can buy conversion coverage. You must have been covered under your employer’s group health plan for at least 60 days and have applied within 31 days of losing your coverage. Surviving spouses, former dependent spouses and children who are no longer eligible for dependent coverage can also buy conversion coverage.

What does a Conversion Policy cover?

• Covered benefits under conversion coverage may be identical to your employer’s group coverage at your option. However, benefits covered under conversion coverage cannot be greater than that available under your former employer’s group health plan.

What about coverage for my pre-existing condition?

• Your conversion coverage cannot impose a new pre-existing condition exclusion period. However, if you were in the middle of an exclusion period under your former group health plan coverage, you may have to finish it.

How much can I be charged for a Conversion Policy?

• Premiums for conversion coverage can vary depending on your health status, age, the amount of coverage you purchase and other characteristics. Contact the New Hampshire Department of Insurance if you have questions about conversion plan premiums.

How long does a Conversion Policy last?

• Conversion coverage, like other individual health insurance, is guaranteed renewable.