Mental Health & Substance Use Disorders
The mission of the New Hampshire Insurance Department is to promote and protect the public good by ensuring the existence of a safe and competitive insurance marketplace through the development and enforcement of the insurance laws of the State of New Hampshire. We are committed to doing so in an honest, effective and timely manner.
Know your rights!
You’re Covered for Substance Use And Mental Health Disorder Treatments.
Health insurance plans provide coverage for mental health and substance use disorder services. That means your health insurance may cover some, or even all, of the costs for treatment.
Whether You Need Inpatient or Outpatient Care, You’re Covered.
Your insurance plan covers both inpatient and outpatient treatment services for substance use and mental health disorders. Inpatient services are those that require you to stay in a treatment facility overnight or longer. Outpatient services are those where you receive treatment and leave the facility on the same day.
Your Insurance Must Provide Accessible Treatment Options Based on Medical Necessity.
You read that right! For outpatient care, your insurance is required by law to cover your treatment at a provider within 25 miles or 45 minutes of your home. As a general rule, any inpatient care must be made available to you within 45 miles or 60 minutes of your home.
What types of services must my insurance plan cover?
- Inpatient & Outpatient Treatment
- Partial Hospitalization
- Residential Treatment
- Emergency Care
- Prescription Drugs
- And More...
Many insurance plans cover more services than we’ve listed here. Make sure you contact your insurance company to find out more.
YES!
YES!
Your insurance plan is required by law to cover some or all of the costs of treatment for substance use and mental health disorders.
CONTACT YOUR INSURANCE COMPANY TO FIND OUT WHAT YOU WOULD NEED TO PAY.
All plans are different, and coverage amount may vary depending on the treatment you need. So, look on the back of your insurance card for your insurance company’s phone number and give them a call, or visit their website.
ASK YOUR INSURANCE COMPANY FOR A LIST OF SERVICE PROVIDERS IN YOUR AREA.
Make sure you learn about the treatment options you have available to you. Contact your insurance company by calling the number on the back of your insurance card or visit their website.
Who can help me?
Who can help me?
I have more questions.
To Compare Health Plan Costs, Visit The NH Healthcost Website.
This document is for informational purposes only. While the New Hampshire Insurance Department has made every effort to provide accurate information, some information has been generalized. Please contact your health insurance company to obtain specific information about your policy.
Contact Your Health Insurance Company
You’ll find their phone number on the back of your insurance card or visit their website.
Contact The NH Insurance Department Consumer Services Department.
- (603) 271-2261
- (800) 852-3416
- (800) 735-2964 (TYY/RDD Relay Services)
- consumerservices@ins.nh.gov