New Hampshire Code of Administrative Rules Ins §3601.30

“Appealing an insurer’s determination that the benefit trigger is not met under the insurance department regulations”

If a long-term care insurer refuses to pay for long-term care services to a chronically ill individual, a written denial must be provided to the individual which must contain the following information:

• The reasons why the insurer denied coverage;
• The insured’s right to internal appeal and the right to submit new or additional information with the appeal request; and
• The insured’s right to an independent review process after exhaustion of the internal review process.