nh-state-law

Information on New Hampshire State Law

Effective January 1, 2011 NH State Law requires health insurance to cover a minimum of $1500 for each hearing aid or $3000 for a set of hearing aids if a person has a hearing loss.

The NH State Law is shown below.  If you or a loved one think you have a hearing loss, please contact us today.  Schedule an appointment for a free hearing screening.

CHAPTER 362
HB 561-FN - FINAL VERSION
04/21/10 1427s
04/21/10 1480s

2010 SESSION

09-0042

01/04

HOUSE BILL 561-FN

AN ACT relative to insurance coverage for persons having deafness and hearing loss.

SPONSORS: Rep. Emerson, Ches 7; Rep. Pilliod, Belk S; Rep. Kopka, Hills 26; Sen. Cilley, Dist 6

COMMITTEE: Commerce and Consumer Affairs

ANALYSIS

This bill requires insurance for hearing evaluations, hearing aids, and the dispensing and fitting of hearing aids.

STATE OF NEW HAMPSHIRE

In the Year of Our Lord Two Thousand Ten

AN ACT relative to insurance coverage for persons having deafness and hearing loss.

Be it Enacted by the Senate and House of Representatives in
General Court convened:

362:1 New Section; Coverage for Hearing Aids. Amend RSA 415 by inserting after section 6-o the following new section:

4lS:6-p Coverage for Hearing Aids. Each insurer that issues or renews any individual policy or certificate for delivery in. this state, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide coverage for the professional services associated with the practice of fitting, dispensing, servicing, or sale of hearing instruments or hearing aids. The benefits included in this section shall not be subject to any greater deductible or coinsurance or copay than any other benefits provided by the insurer. Insurers are required to cover the cost of a hearing aid for each ear, as needed, as well as related services necessary to assess, select, and fit the hearing aid with a maximum for the hearing aid and related services of no less than $1,500 per hearing aid every 60 months. The insured may choose a higher price hearing aid and pay the difference in cost. The hearing aid shall be prescribed and dispensed by a licensed audiologist or hearing instrument specialist. Notwithstanding any provision of law or rule to the contrary, the coverage under this section shall not apply to the medical assistance program. pursuant to RSA 161 and RSA 167. In this section:

I. “Hearing care professional” means a person who is a licensed audiologist, a licensed hearing instrument dispenser, or a licensed physician.

II. “Hearing instrument” or “hearing aid” means any instrument or device designed, intended, or offered for the purpose of improving a person’s hearing and any parts, attachments, or accessories, including earmolds. Batteries, cords, and individual or group auditory training devices and any instrument or device used by a public utility in providing telephone or other communication services are excluded.

III. “Hearing instrument dispenser” means a person who is a hearing care professional that engages in the selling, practice of fitting, selecting, recommending, dispensing, or servicing of hearing instruments or the testing for means of hearing instrument selection or who advertises or displays a sign or represents himself or herself as a person who practices the testing, fitting, selecting, servicing, dispensing, or selling of hearing instruments.

IV. “Practice of fitting, dispensing, servicing, or sale of hearing instruments” means the measurement of human hearing with an audiometer, calibrated to the current American National Standard Institute standards, for the purpose of making selections, recommendations, adoptions, services, or sales of hearing instruments including the making of earmolds as a part of the hearing instrument.

362:2 New Section; Coverage for Hearing Aids. Amend RSA 415 by inserting after section 18-t the following new section:

415:18-u Coverage for Hearing Aids. Each insurer that issues or renews any policy or certificate for delivery in this state of group or blanket accident or health insurance providing benefits for medical
or hospital expenses, shall provide coverage for the professional services associated with the practice of fitting, dispensing, servicing, or sale of hearing instruments or hearing aids by a hearing instrument dispenser or other hearing care professional. The benefits included in this section shall not be subject to any greater deductible or coinsurance or copay than any other benefits provided by the insurer. Insurers are required to cover the cost of a hearing aid for each ear, as needed, as well as related services necessary to assess, select, and fit the hearing aid with a maximum for the hearing aid and related services of no less than $1,500 per hearing aid every 60 months. The insured may choose a higher price hearing aid and pay the difference in cost. The hearing aid shall be prescribed and dispensed by a licensed audiologist or hearing instrument specialist. Notwithstanding any provision of law or rule to the contrary, the coverage under this section shall not apply to the medical assistance program, pursuant to RSA 161 and RSA 167. In this section:

I. “Hearing care professional” means a person who is a licensed audiologist, a licensed hearing instrument dispenser, or a licensed physician.

II. “Hearing instrument” or “hearing aid” means any instrument or device designed, intended, or offered for the purpose of improving a person’s hearing and any parts, attachments, or accessories, including earmolds. Batteries, cords, and individual or group auditory training devices and any instrument or device used by a public utility in providing telephone or other communication services are excluded.

III. “Hearing instrument dispenser” means a person who is a hearing care professional that engages in the selling, practice of fitting, selecting, recommending, dispensing, or servicing of hearing instruments or the testing for means of hearing instrument selection or who advertises or displays a sign or represents himself or herself as a person who practices the testing, fitting, selecting, servicing, dispensing, or selling of hearing instruments.

IV. “Practice of fitting, dispensing, servicing, or sale of hearing instruments” means the measurement of human hearing with an audiometer, calibrated to the current American National Standard
Institute standards, for the purpose of making selections, recommendations, adoptions, services, or sales of hearing instruments including the making of earmolds as a part of the hearing instrument.

362:3 Coverage for Hearing Aids. Amend RSA 420-A:2 to read as follows:
420-A:2 Applicable Statutes. Every health service corporation shall be governed by this chapter and the relevant provisions of RSA 161 and RSA 167. In this section:

I. “Hearing care professional” means a person who is a licensed audiologist, a licensed hearing instrument dispenser, or a licensed physician.

II. “Hearing instrument” or “hearing aid” means any instrument or device designed, intended, or offered for the purpose of improving a person’s hearing and any parts, attachments, or accessories, including earmolds. Batteries, cords, and individual or group auditory training devices and any instrument or device used by a public utility in providing telephone or other communication services are excluded.

III. “Hearing instrument dispenser” means a person who is a hearing care professional that engages in the selling, practice of fitting, selecting, recommending, dispensing, or servicing of hearing instruments or the testing for means of hearing instrument selection or who advertises or displays a sign or represents himself or herself as a person who practices the testing, fitting, selecting, servicing, dispensing, or selling of hearing instruments.

IV. “Practice of fitting, dispensing, servicing, or sale of hearing instruments” means the measurement of human hearing with an audiometer, calibrated to the current American National Standard Institute standards, for the purpose of making selections, recommendations, adoptions, services, or sales of hearing instruments including the making of earmolds as a part of the hearing instrument.

362:3 Coverage for Hearing Aids. Amend RSA 420-A:2 to read as follows:

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 415:18, V, RSA 415:18, VII(g), RSA 415:18, VII-a, RSA 415:18-a, RSA 415:18-j, RSA 415:18-o, RSA 415:18-u, RSA 415:22, RSA 417, RSA 417-E, RSA 420-J, and all applicable provisions of title XXXVTI 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.

362:4 Coverage for Hearing Aids. Amend RSA 420-B:20, III to read as follows:
III. The requirements of RSA 400-A:39, RSA 401-B, RSA 402-C, RSA 404-F, RSA 415:6-g, RSA 415:18, VII(g), RSA 415:18, VII-a, RSA 415:18-j, RSA 415:18-u,RSA 415-A, RSA 415-F, RSA 420-G, and RSA 420-J shall apply to health maintenance organizations.

362:5 Effective Date. This act shall take effect January 1, 2011.

Approved: July 23, 2010

Effective Date: January 1, 2011