# NH Insurance Department Bulletin INS 04-004-AB: Prosthetic Device Interpretation

> New Hampshire · Agency guidance · In force

URL: https://www.frixlaw.com/law-library/statutes/NH_INS_B_2004-004-AB

## Section

- **Citation:** NH Insurance Department Bulletin INS 04-004-AB
- **Heading:** Prosthetic Device Interpretation
- **Jurisdiction:** New Hampshire
- **Kind:** Agency guidance
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** New Hampshire Insurance Department Bulletins / Prosthetic Device Interpretation

## Text

The State of New Hampshire
Insurance Department
56 Old Suncook Road
Concord NH 03301-7317
(603) 271-2261 Fax (603)271-0248
TDD Access: Relay NH 1-800-735-2964
Roger Sevigny
Commissioner

Alex Feldvebel
Deputy Commissioner

BULLETIN
Docket No.: INS NO. 04-004-AB
DATE:
February 6, 2004
TO:
All Companies licensed for selling health insurance
FROM:
Roger Sevigny, Commissioner
RE:
RSA 415:18-n and RSA 415:6-j applicability to certain prosthetic devices
This Bulletin addresses whether prosthetic fingers are a “prosthetic device” as defined in RSA
415:18-n for group and blanket accident and health insurance, and RSA 415:6-j for individual
accident and health insurance. These laws, which became effective January 1, 2004, define
“prosthetic device” as an “artificial device to replace, in whole or part, an arm or leg.”
The legislative history is not dispositive on this issue, nor does it offer an interpretation that
implies more than the plain meaning of the statutes’ language. The Department notes the
legislature’s decision specifically to include the phrase “in …part”, and finds that it would not
have included this phrase unless it intended that fingers be considered part of the arm. Therefore
an artificial device replacing fingers is included in the definition of ”prosthetic device” in these
statutes.
Questions regarding this Bulletin should be addressed to the Compliance Manager, Maureen
Hartsmith, at 603.271.2261

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/NH_INS_B_2004-004-AB. Check the current official text before relying on it. Not legal advice.