Curt Insurance offers a complete line of the finest health insurance products available in New Hampshire.
As insurance brokers and counselors, we are in constant search of the most competitively priced health insurance policies from both regional and national insurance carriers with strong financial ratings to find our clients the best policies for their business. From the most complete employee benefit packages available, to the establishment of health savings accounts and more balanced deductible plans, we will design the insurance program that best fits your needs.
We can help you with all Health Insurance & Employee Benefits:
Individual Major Medical
Health Maintenance Organizations
Preferred Provider Organizations
Point of Service Plans
Health Savings Accounts
The Affordable Care Act
The Affordable Care Act (ACA) has changed the face of health insurance dramatically. George has continued to stay educated and informed on the new rules and regulations. Most importantly he is fully registered to act as a broker in the NH Marketplace – also known as the “exchange”. He has helped many NH residents enroll in ACA qualified health insurance both ON and OFF the “exchange”. The exchange is simply a government run website that acts as an entry to government assistance (subsidies). For those consumers who qualify for the “subsidies” you must enroll on the exchange.
Whether you enroll in the traditional way, or on the exchange, George is available to help you compare available plans. He takes a personal interest in being sure that you understand all of your coverage options and best of all, his services are available at no additional cost. The premiums are the same whether you use a broker or not.
This new law is extremely complicated. In fact there are new rules and regulations being issued almost weekly. Every personal situation can result in very different recommendations. For this reason, George recommends personal phone conversations and meetings to acquire the information that is best for you and your family.
Give George a call or send him an email today. After listening to your current situation and gathering your information, he will provide you with informative documentation that will assist you in evaluating your options. For example, he will document whether your preferred Doctors and medications are covered.
Below you will find the links for quotes from the NH health insurance carriers. Also please find a link to the NH Marketplace. I highly recommend that we discuss your coverage options first. But, if you so choose to enroll on the Exchange, please be sure to name George as your broker! If you enroll without doing so he cannot assist you in the future. You will be asked if you are working with or receiving assistance from a Broker. Please enter his name (George Curt) and his NPN # as 2270536. This will allow George to act as your broker if you have questions or problems in the future.
Our Health Insurance Companies
Health Savings Accounts
... the “Medicare Prescription Drug, Improvement and Modernization Act of 2003.” Since Health Savings Accounts are designed to help individuals save for qualified medical and retiree health expenses on a tax-advantaged basis, they have changed the way millions meet their health care needs.
Any adult who is covered by a high-deductible health plan (and has no other first-dollar coverage) may establish an HSA. Tax-advantaged contributions can be made in three ways:
the individual or family can make tax deductible contributions to the HSA even if they do not itemize deductions;
the individual’s employer can make contributions that are not taxed to either the employer or the employee; and,
employers sponsoring cafeteria plans can allow employees to contribute untaxed salary through salary reduction.
To encourage saving for health expenses after retirement, individuals age 55 and older are allowed to make additional catch-up contributions to their HSAs. Once an individual enrolls in Medicare they are no longer eligible to contribute to their HSA.
Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA.
Funds distributed from the HSA are not taxed if they are used to pay qualified medical expenses. Unlike amounts in Flexible Spending Arrangements that are forfeited if not used by the end of the year, unused funds remain available for use in later years.
Other Insurance Services