New Hampshire Insurance Denial Report

The worst health insurers in New Hampshire
by claim denial rate

New Hampshire averages a 15.9% denial rate — 3.2 points below the national average. About 65,000 claims are denied annually.

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15.9%
New Hampshire avg denial rate
19.1%
National average
65,000
Annual denials in state
>80%
Appeals overturned when filed

Health insurance denials in New Hampshire

In New Hampshire, the health insurance claim denial rate stands at 15.9%, which is notably lower than the national average of 19.1%. This statistic translates to approximately 65,000 annual claim denials in the state, highlighting a significant issue that affects many residents seeking necessary medical care. Understanding this denial rate is crucial for patients, as it underscores the importance of being informed about their rights and options when faced with a claim denial. While the rate is lower than the national average, it still represents a considerable number of individuals who may struggle to access the healthcare services they need.

Worst insurers in New Hampshire by denial rate

Source: CMS Marketplace Transparency Report 2023. In-network ACA marketplace claims only.

1

Ambetter from Centene

21.3% denial rate

Ambetter denies 21.3% of claims — 2.2 points above the national average. Their appeal overturn rate is 53%.

GLP-1 Medications: 36% deniedSpecialty Medications: 28% deniedMental Health: 24% denied
Full Ambetter denial report →
2

Anthem Blue Cross Blue Shield

18.8% denial rate

Anthem denies 18.8% of claims — 0.3 points below the national average. Their appeal overturn rate is 63%.

GLP-1 Medications: 32% deniedSpecialty Medications: 25% deniedMental Health: 20% denied
Full Anthem denial report →

Your rights as a New Hampshire insurance patient

New Hampshire offers specific patient protections that empower individuals in the face of claim denials. Patients have the right to an internal appeal, allowing them to contest a denial directly with their insurer. Additionally, they can request an external Independent Medical Review, which provides an unbiased evaluation of their claim. The New Hampshire Insurance Department serves as the regulatory body overseeing these processes. Filing a complaint with this department is free and can apply pressure on insurers to reconsider their decisions, ensuring that patients have a voice in their healthcare journey.

New Hampshire Insurance Department
https://www.nh.gov/insurance

Start My New Hampshire Appeal →

How to appeal a denial in New Hampshire

  1. 1
    Request the denial in writing
    Ask your insurer for the specific clinical criteria and coverage policy they used to deny you. They are legally required to provide it within 30 days.
  2. 2
    File your internal appeal
    Send a written appeal to your insurer within 180 days. Cite your doctor's clinical documentation, relevant medical guidelines, and New Hampshire insurance law. A well-written appeal citing specific laws wins over 80% of the time.
  3. 3
    Escalate to the state if denied again
    If your internal appeal is denied, file an Independent Medical Review (IMR) with the New Hampshire Insurance Department. This is free and decided by independent clinicians. Their decision is often binding.
  4. 4
    Use disputes.health to generate your letter
    Our agents generate a clinic-grade appeal letter in under 15 minutes — citing your state's laws, relevant medical guidelines, and your specific situation. We then submit it to your insurer for you.
How to appeal a denial →GLP-1 denial guide →Mental health denial guide →All public resources →

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