Paying for Health Care

Health insurance is essential for Children and Youth with Special Healthcare Needs (CSHCN). It provides access to a range of critical healthcare services, including diagnostic testing, primary care, specialty care, hospital services, prescription drugs, therapies, mental health services, durable medical equipment and supplies, hearing aids, and other health-related services. 

FAIR Health Resources

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FAIR Health’s award-winning website is designed to help you understand your healthcare costs and coverage. It offers various information on choosing…

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Private and commercial health insurance can be provided by an employer or purchased individually, such as through the NH Health Insurance Marketplace. 

You’ll find additional information and resources to help you better utilize your health insurance to cover your family’s needs on this health insurance information page.

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NH Medicaid offers pathways of coverage for children and adults, including those with disabilities. 

You’ll learn more about eligibility and services on this Medicaid information page

Depending on your family’s unique situation, there are various ways to cover healthcare expenses not covered by your health insurance plan. If you don’t find what you’re looking for here, call us at 603-271-4525 and speak with our Family Resource Specialists.

Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act (ACA) have put protections in place that are crucial for families with children with special health care needs and disabilities:

  • Health insurance plans can’t limit or deny benefits or coverage outright because of a “pre-existing condition,” and they can’t put a lifetime dollar limit on most benefits. This helps make wellness and prevention services more affordable and accessible by requiring health plans to cover many preventive services without charging a co-payment, co-insurance, or deductible. 
  • These laws allowed NH to set up a Health Insurance Marketplace, an online market where people can easily see available health plans, compare plans’ details and prices, and apply for the plan that would be best for their family. All plans must be certified as a Qualified Health Plan and cover Essential Health Benefits.
  • Youth up to 26 can remain on their parent’s health insurance. Check out the NH Health Insurance Marketplace page for more information and resources.
  • If you need help choosing a plan that suits your family’s unique situation, health insurance navigators can assist you for free.