--- title: "Telehealth Insurance in New Hampshire" description: "New Hampshire requires out-of-state clinicians to hold state or compact authority and mandates same-basis telehealth coverage for medically necessary services." canonical: "https://spot.insure/coverage/virtual-care-telehealth/new-hampshire" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/virtual-care-telehealth/new-hampshire) # Telehealth Insurance in New Hampshire New Hampshire requires out-of-state clinicians to be licensed, certified, registered, or authorized through a compact or endorsement when treating a patient physically located in the state. Its Telemedicine Act requires health-plan reimbursement on the same basis as in-person care and covers medically necessary video, audio-only, and other authorized modes.[^1][^2] **Coverage:** [Virtual care and telehealth](/coverage/virtual-care-telehealth) · [New Hampshire](/coverage/states/new-hampshire) ## What Is Virtual Care And Telehealth? Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. [Read the national Virtual care and telehealth guide](/coverage/virtual-care-telehealth). ## What to Watch for in New Hampshire ### The Patient’s Location Determines Which Credentials Apply An out-of-state clinician must have the appropriate New Hampshire license, certification, registration, or compact/endorsement authority when the patient is physically in New Hampshire. A physician consultation exception and correctional-facility rule apply; tell the broker where patients are and which authority covers each clinician.[^1] ### Remote Visits Carry In-Person Standards and Record Duties RSA 310:7 requires the same standard of care, a medical record, and—subject to patient consent—forwarding the record to the primary or treating clinician when appropriate. Include care coordination and record handoffs in the practice description and ask how related claims are defended.[^1] ### Coverage Parity Includes Audio-Only and the Originating Site The state requires insurers to reimburse covered telehealth on the same basis as in-person care and to cover all modes, including audio-only, for medically necessary services. Combined originating- and distant-site payments cannot exceed the in-person allowed amount, and separate plan limits cannot be more restrictive.[^2] ## Who Regulates Insurance in New Hampshire **New Hampshire Insurance Department.** The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416.[^3][^4][^5][^6] - [Regulator website](https://www.insurance.nh.gov/) - [License lookup](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) - [File a complaint](https://mm.nh.gov/files/uploads/nhid/documents/nhid-complaint-template-fillable.pdf) - Phone: 800-852-3416 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained.[^7][^8][^9] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in New Hampshire 1. Does each clinician treating a New Hampshire patient have the required state, compact, or endorsement authority? 2. Does our documentation include the record handoff required when a patient consents? 3. How are audio-only visits and originating-site fees represented in our payer contracts and risk application? ## Virtual Care And Telehealth in New Hampshire: FAQ ### Can an out-of-state provider treat a New Hampshire patient by telehealth? Yes, if the provider is licensed, certified, registered, or authorized under a licensing compact or endorsement in New Hampshire; a limited physician consultation exception applies.[^1] ### Does New Hampshire require equal payment for telehealth? Yes. Insurers must provide coverage and reimbursement on the same basis as in-person care for covered telehealth services, including medically necessary audio-only services.[^2] ## Virtual Care And Telehealth in Other States - [Alabama](/coverage/virtual-care-telehealth/alabama) - [Alaska](/coverage/virtual-care-telehealth/alaska) - [Arizona](/coverage/virtual-care-telehealth/arizona) - [Arkansas](/coverage/virtual-care-telehealth/arkansas) - [California](/coverage/virtual-care-telehealth/california) - [Colorado](/coverage/virtual-care-telehealth/colorado) - [Connecticut](/coverage/virtual-care-telehealth/connecticut) - [Delaware](/coverage/virtual-care-telehealth/delaware) - [District of Columbia](/coverage/virtual-care-telehealth/district-of-columbia) - [Florida](/coverage/virtual-care-telehealth/florida) - [Georgia](/coverage/virtual-care-telehealth/georgia) - [Hawaii](/coverage/virtual-care-telehealth/hawaii) - [Idaho](/coverage/virtual-care-telehealth/idaho) - [Illinois](/coverage/virtual-care-telehealth/illinois) - [Indiana](/coverage/virtual-care-telehealth/indiana) - [Iowa](/coverage/virtual-care-telehealth/iowa) - [Kansas](/coverage/virtual-care-telehealth/kansas) - [Kentucky](/coverage/virtual-care-telehealth/kentucky) - [Louisiana](/coverage/virtual-care-telehealth/louisiana) - [Maine](/coverage/virtual-care-telehealth/maine) - [Maryland](/coverage/virtual-care-telehealth/maryland) - [Massachusetts](/coverage/virtual-care-telehealth/massachusetts) - [Michigan](/coverage/virtual-care-telehealth/michigan) - [Minnesota](/coverage/virtual-care-telehealth/minnesota) - [Mississippi](/coverage/virtual-care-telehealth/mississippi) - [Missouri](/coverage/virtual-care-telehealth/missouri) - [Montana](/coverage/virtual-care-telehealth/montana) - [Nebraska](/coverage/virtual-care-telehealth/nebraska) - [Nevada](/coverage/virtual-care-telehealth/nevada) - [New Jersey](/coverage/virtual-care-telehealth/new-jersey) - [New Mexico](/coverage/virtual-care-telehealth/new-mexico) - [New York](/coverage/virtual-care-telehealth/new-york) - [North Carolina](/coverage/virtual-care-telehealth/north-carolina) - [North Dakota](/coverage/virtual-care-telehealth/north-dakota) - [Ohio](/coverage/virtual-care-telehealth/ohio) - [Oklahoma](/coverage/virtual-care-telehealth/oklahoma) - [Oregon](/coverage/virtual-care-telehealth/oregon) - [Pennsylvania](/coverage/virtual-care-telehealth/pennsylvania) - [Rhode Island](/coverage/virtual-care-telehealth/rhode-island) - [South Carolina](/coverage/virtual-care-telehealth/south-carolina) - [South Dakota](/coverage/virtual-care-telehealth/south-dakota) - [Tennessee](/coverage/virtual-care-telehealth/tennessee) - [Texas](/coverage/virtual-care-telehealth/texas) - [Utah](/coverage/virtual-care-telehealth/utah) - [Vermont](/coverage/virtual-care-telehealth/vermont) - [Virginia](/coverage/virtual-care-telehealth/virginia) - [Washington](/coverage/virtual-care-telehealth/washington) - [West Virginia](/coverage/virtual-care-telehealth/west-virginia) - [Wisconsin](/coverage/virtual-care-telehealth/wisconsin) - [Wyoming](/coverage/virtual-care-telehealth/wyoming) [Other Coverage in New Hampshire](/coverage/states/new-hampshire) ## Sources [^1]: [New Hampshire RSA 310:7](https://gc.nh.gov/rsa/html/XXX/310/310-7.htm) — New Hampshire General Court; Subsections II-IV and VI: scope, patient-location licensure, standards, records, consent, follow-up. Accessed 2026-09-29. [^2]: [New Hampshire RSA Chapter 415-J, Telemedicine Act](https://gc.nh.gov/rsa/html/xxxvii/415-j/415-j-mrg.htm) — New Hampshire General Court; RSA 415-J:3(II)-(XIII): coverage, reimbursement, audio-only, site limits and provider eligibility. Accessed 2026-09-29. [^3]: [New Hampshire Insurance Department](https://www.insurance.nh.gov/) — New Hampshire Insurance Department; Official regulator homepage.. Accessed 2026-09-28. [^4]: [New Hampshire State License Division Information](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) — Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search.. Accessed 2026-09-28. [^5]: [Consumer Complaint Form](https://mm.nh.gov/files/uploads/nhid/documents/nhid-complaint-template-fillable.pdf) — New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation.. Accessed 2026-09-28. [^6]: [Insurance Department Rules](https://gc.nh.gov/rules/State_Agencies/ins100.html) — New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details.. Accessed 2026-09-28. [^7]: [RSA 405-B:4, Single Home State Rate; Surplus Lines](https://gc.nh.gov/rsa/html/XXXVII/405-B/405-B-4.htm) — New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium.. Accessed 2026-09-28. [^8]: [RSA 405:24, Applicability; Issue](https://gc.nh.gov/rsa/html/XXXVII/405/405-24.htm) — New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation.. Accessed 2026-09-28. [^9]: [RSA 405:24](https://gc.nh.gov/rsa/html/XXXVII/405/405-24.htm) — New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^16]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/virtual-care-telehealth/new-hampshire.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)