Health Coverage Products

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​Critical care insurance can be useful for filling an existing gap that occurs when an individual gets sick and needs to cover medical expenses. 

You could receive several benefits from your critical care insurance plan, depending on the specific plan you choose. Some policies cover illnesses that can include a heart attack, a stroke or kidney failure, being diagnosed with cancer, or a brain tumor. Individuals who purchase a critical care policy may have the option of adding additional riders to the policy. 

Individuals should determine how much critical care coverage will be needed before purchasing their policy. This can be done by selecting an amount that is equal to wages or incomes that are received for a one-year period – amounts can be changes on a policy if needed

Are you considering purchasing a critical illness insurance policy in New Hampshire? Grimard Insurance Group can help determine which plan will best fit your situation, taking into account your current health condition and your budget restrictions.

If you were unexpectedly diagnosed with a critical illness. Would you be able to afford the medical treatments and expenses that come along with it? 

Most health plans offer coverage for hospital and medical expenses, however, there are still several costs left uncovered. Critical Illness Insurance can help ease the financial burden experienced after a critical illness by providing a lump-sum benefit to help cover your additional medical expenses incurred.

It’s important to have dental coverage in place mostly for preventative care, having coverage for routine preventative costs like cleanings or exams, you can often avoid pricey expenses later on due to dental injury.

While some employers offer health insurance as a benefit, even fewer offer a dental plan. There are numerous options available to you, and we can help you sort through the various plans to find the dental plan that is designed to meet your needs and budget. Each of our dental plans comes from a trusted insurance carrier so you know you are receiving quality coverage in the times you need it most.

Purchasing a quality group health insurance plan for your group or company can take a lot of consideration and planning- especially if you are looking for an affordable plan with extensive benefits and features. We will help you review your options and take into consideration the different group plans available:

Luckily, it doesn’t have to be so difficult when you have Grimard Insurance Group on your side. We take the time to find the right plan for your group because we understand the importance of quality health care. Offering a comprehensive group health plan is a great way to attract the brightest and best talent to your business, so it’s important to make a good choice. There are a wide variety of plans to choose from depending on the type and size of your group. 

• Preferred Provider Organization (PPO): An affordable and flexible individual plan that includes benefits from a large network of medical professionals as well as care providers outside of the preferred network. However, employees can save more money by choosing care within the network.
  
• Health Maintenance Organization (HMO): Considered the most affordable plans, creates a network of thousands of medical professionals, hospitals and other care providers for your employees to choose from.
  
•  Point of Service (POS): Combines features of a PPO and an HMO. You can choose a primary care physician without a referral. Employee coverage includes health coverage from both in and out of network medical professionals.

If your employer does not provide a group health plan, or you are self-employed, a New Hampshire individual health plan can be essential for protecting yourself from future medical costs. In order to select a health plan that you can be fully confident in, it’s important to do your research before buying. Our experienced brokers will help you do so, with expert advice and free individual insurance quotes. We’ll help you consider the following types of plans:

• Health Maintenance Organization (HMO): Considered the most affordable of plans.  Creates a network of medical professionals, hospitals and other care providers to choose from so you have access to care.
  
• ​Health Savings Account (HSA): Coverage includes a high-deductible plan and health savings account consisting of catastrophic coverage with a low premium and a tax-free savings account that can be used to pay for medical expenses.
  
•  Fee for Service (FFS): After you receive the medical care you require, you are reimbursed for a percentage of that cost.

If you find yourself temporarily without health insurance coverage or transitioning from one life stage to another.  Grimard Insurance Group can help you review several viable plans to find an appropriate short term plan that fits your unique situation. Each plan works differently and costs vary, so it’s important to be sure your needs are taken into consideration when choosing a plan.

Short term insurance New Hampshire could be right for you if you’re:

• In between jobs
• Under temporary or seasonal employment
• A recent graduate without coverage
• A non-U.S. citizen temporarily living in the United States

​Grimard Insurance Group can help you review several viable plans to find an appropriate short term plan that fits your unique situation.  Each plan works differently and costs vary, so it’s important to be sure your needs are taken into consideration when choosing a plan.

If you think short term insurance could be right for you, contact Grimard Insurance Group today and explore your options with one of our knowledgeable insurance agents.