Thursday, July 24, 2014

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HealthCost provides information on the price of medical care in New Hampshire. The New Hampshire Insurance Department and the Commissioner’s Advisory Committee on Health Insurance developed the Health Care Cost of Procedure (HealthCost) website in 2005.

WHAT IS THE PURPOSE OF HEALTHCOST?

This site gives patients and employers information about the price of health care services. The price information is based on paid claims data collected from New Hampshire's health insurers. This website serves as a resource to help you make informed decisions about purchasing health care services and insurance.

WHAT SHOULD I KNOW ABOUT MY HEALTH INSURANCE PLAN, AND THE PRICE OF MY HEALTH CARE?

It is important to understand your health insurance coverage. The price you pay for the purchase of a health care service will vary depending on whether you are insured or uninsured, the type of insurance you have, and the insurance carrier that is providing the insurance. Insurance plans work differently and cover different types of medical services. The specific details of your plan and the carrier from which you purchase a policy may affect how much you pay for health care services. You can find information about deductibles, co-pays, and co-insurance in the insurance certificate, policy, or handbook that you receive when you enroll. Your health insurance carrier may also have a website and customer service representatives to help you. You are encouraged to contact your health care provider (hospital, laboratory, physician, etc.) to determine your specific payment responsibility under your health plan. The FAQs section of this website also provides guidance.

WHAT IS AN ESTIMATED COST?

Your estimated cost is based on the information entered and assumptions about typical utilization and costs. The actual amount billed to you may be different from the estimates that appear on this site. Many factors affect the actual bill you will receive, and this website does not account for all of them. Additionally, the estimated cost is not a guarantee of insurance coverage. You will be billed at the provider’s charge for any service provided to you that is not a covered benefit under your plan. Please check with your insurance company if you need help understanding your benefits for the service chosen.