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Find Out On Line Your Individual Health Insurance Rates, Benefits and Apply Through NASRO
Find Out About Your Small Business Health Insurance Rates and Benefits Options
NASRO - Standard Health Insurance Plans - Powered By: Quotit.com
The National Association of Socially Responsible Organizations (NASRO) is a non-profit association founded by health care consultant Robert Gaw, that is working hard for you and is able to recommend the best individual and small group plans that are available in New Hampshire at a more affordable rate. NASRO is more than just a broker, more than just a consultant. NASRO is an advocate for you against our corrupt health insurance system. If you are preparing for your annual health plan renewal, starting a new business, are currently on an expensive COBRA plan from a previous job, expanding operations in New Hampshire, or just need to lower your monthly health insurance costs then you need to know more about NASRO. You are not alone, we can help you. We have worked hard for decades to help establish a more humane health care system in New Hampshire. Unfortunately, there is still much work to be done in New Hampshire. NASRO is helping to make sure that all the health plan options available in the state are communicated professionally. If you have a question or a problem please call us. We can offer advice on a wide range of health care subjects beyond health insurance rates. If after looking at the quotes you have questions about the benefits of the plans or the enrollment application process please give us a call. We can help you complete the on line applications and prepare you to answer the questions you will be asked. Additional NASRO Services Coming Soon
New Hampshire NASRO Members Include
Short Cuts for Individuals and FamiliesFor Individuals and Families paying for their own plan it is important not to wait until you have a medical condition before you purchase health insurance. Once you have a medical condition, even a minor one, as inhuman as it seems, the health insurance companies can turn you down and refuse to provide any coverage. If you recently have had group coverage from a previous employer, you have 63 days after the end of your group plan to pick up an individual plan and not be subject to medical underwriting. Since age rating is the only option, the younger you are the more affordable the health plans are. The older you are the more the premium costs go up. Young families may actually be able to afford more coverage to protect their children and older individuals who are healthy can find plans that provide good access to routine physicals, unlimited sick visits and prescription drug coverage and carry a larger deductible for the less likely to occur inpatient admissions.
The Immoral Practice of Pre-Existing Conditions Underwriting and Individual Health InsuranceNASRO believes strongly that the fast growing number of individuals who need a health insurance plan in New Hampshire should be provided the right to buy the same health insurance plans for the same price, as anyone else, with their own money. We believe it is a sin for health insurance companies to " play God " with the lives of people. Turning down people with any form of illness large or small is severely limiting their economic lives. Help with some COBRA premium costs provided in the recent "stimulus bill ", is great for people who work for large employers, but most people do not work for large employers. Unemployment could rise reach 15% in New Hampshire by the end of 2009 and prudent financial planning needs to be made now. NASRO does not yet have a group plan in New Hampshire that will accept individuals that have been turned down for coverage. We are working for a new National Health Care law to accomplish this mission. In the meantime, we will assist any self employed person in New Hampshire that needs to know how to qualify for group coverage right now.
NASRO Personal ServiceWhat People Are Saying About Us!" I have nothing but praise for the good folks at NASRO ( National Association of Socially Responsible Organizations ). If you've ever dealt with insurance providers, you know that the usual goal of the person who answers the phone is to say " no " and hang up as quickly as possible. My experience with Barbara Gibson at NASRO could not have been more different. She actually did the math on whether it would be better for me to stick with COBRA for 18 months before switching to the NASRO plan. The one time I actually had a problem with coverage for a medical condition, she not only straightened it out, but remembered to ask me if I was feeling better after the procedure. Deborah Elizabeth Finn P. S. Full disclosure. NASRO does not compensate me in any way for praising it immoderately. I am just a fan."
NASRO Members Include
Carriers with Individual Health Insurance PlansAnthem Blue Cross of New HampshireAnthem Blue Cross Life and HealthBlue Shield of New HampshireHarvard Pilgrim Health CareCelticHealthnetPacifiCareApply On Line at the top of the page or Call NASRO with any questions at 800-638-8113 Health Plans for Small Business and Non-ProfitsAnthem Blue Cross of New Hampshire Blue Shield of New Hampshire Harvard Pilgrim Health Care Health NetPacifiCareAetnaUnited HealthcareAffordable Dental Insurance PlansSign Up On Line at Anytime At the Top of the Page
Delta Dental
Anthem Blue Cross Blue Shield of New Hampshire
PacifiCareVision Plans
Term Life Insurance PlansFind Out the Rates and Apply On Line for Term Life Coverage NASRO does not recommend Life Insurance as an investment tool, but for basic protection for a spouse and dependent children it remains an important part of prudent financial planning. In the event of an untimely death, income for the family to continue on with the basic needs being met can be achieved for a modest monthly premium. Carriers Banner LifeWest Coast LifeLincoln Benefit LifeAmerican GeneralUnited of Omaha LifeNationwide LifeGenworth Financial
Short Term & Long Term Disability InsuranceMetropolitan Life Insurance CompanyUNUM Life Insurance CompanyWest Coast Life Insurance Company See through the mist and confusion surrounding health insurance plans with the help of a recognized non-profit like NASRO.Health Insurance Is Available In All 50 States
NASRO is working for New Hampshire communities
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NASRO New Hampshire800-638-8113
New Hampshire Health Care Trends for 2009Concord: In any recession a number of difficult health care trends start to emerge that are fairly self evident. What needs to be watched out for is how deep this recession will go,that is beyond the experiences of our recent past. Predictions by the Economic Policy Institute for example, call for planning for unemployment rising as high as 15% over the next two years. Because of the compounding of the loss of jobs, with housing foreclosures, loss of home equity and retirement savings that is being experienced at the same time, the following trends are likely.
Educate Yourself
• NASRO's mission in health care particularly concerns the situation facing small businesses, non-profits, individuals, self employed people and independent contractors. Please read this excellent resource developed by the New Hampshire Health Care Foundation and call NASRO at 800-638-8113 with any questions and for a rate proposal on the health plans you are interested in looking at. Developing the Right Criteria For Selecting Your Next Health Plan Right now in New Hampshire if you are an individual who has a pre-existing medical condition and you are middle income the plans available for so called high risk people are beyond the financial reach of many people. If you are high income and have pre existing conditions you will be able to find a plan that you can afford. For the insurance industry to deny New Hampshirens who are sick access to health insurance is a sin. Other states have provided coverage for 20 years and their insurance companies are doing well. The size of the population of individuals in New Hampshire is huge, with many hundreds of thousands of new people moving from being covered by an employer to being responsible for their own health plan throughout any year. Rules Governing NH Individual Insurance Market
• Employer groups and self employed people are now free to join NASRO at no cost. With its growing numbers NASRO is leveraging our membership to change the economics of New Hampshire health insurance. Membership is confidential and not subject to distribution to any outside groups.
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