New Jersey Health Insurance

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New Jersey Health Insurance

Health insurance is now available in two broad categories: individual and group. Those who opt for individual insurance are mostly self-employed, or are employed by a company that does not have a health plan, or who have a family and who need individual
insurance for their family members. If you buy an individual plan, you must pay an annual premium as well as a deductible for each insured dependent, up to a base amount.
On the other hand, if you purchase a group policy, you have to pay an annual premium, co-payments payable at each medical service, and a deductible payable before insurance begins paying for your valid medical bills.

In New Jersey, insurers cannot deny you individual insurance because of a health problem. They cannot also cancel your insurance on account of illness. Individual coverage is enrolled in October every year. HIPAA eligible residents can always buy individual health insurance if they wish. Under New Jersey laws, insurance companies offer two types of individual plans: comprehensive standardized policies and the Basic and Essential Plan, which has less number of benefits. New Jersey allows insurers to look back at your medical records for the last six months prior to the beginning of the coverage. If they detect a pre-existing condition, they can impose an exclusion period with a maximum of one year at the beginning of coverage. HIPAA eligible people, however, do not fall under this rule. Insurers cannot attach exclusion riders due to these conditions. In New Jersey pregnancy is a pre-existing condition, but complications arising out of it are eligible to be covered.

A qualified person in New Jersey cannot be denied group insurance or charged more for it due to a health problem. Your new employer or new HMO can, however, need a waiting period before covering you. Group insurance companies can review your medical history for the last six months before coverage, to find out if you have a pre-existing condition. If you have one, the insurer can seek an exclusion period for coverage at the start of your new group insurance. In case you have had unbroken coverage of over 63 days, you will get creditable coverage.

Small businesses employing 50 people can neither be denied small group insurance and nor can it be cancelled because of illness of a person in the group. In New Jersey, self-employed people cannot buy group health insurance. For joining business associations to avail of this benefit, you can contact the New Jersey Department of Banking and Insurance for regulations. New Jersey residents can receive assistance through Medicaid and New Jersey Family Care

Selecting the right quotes is not easy; you should, therefore, do a proper research before
making a final decision. However, it is always better to engage experienced health insurance agents and brokers who can be of great help in this regard.

The leading health insurance providers in New Jersey are: Aetna, Guardian, Health Net, Horizon Blue Cross Blue Shield of New Jersey, Oxford Health Plans and UnitedHealthcare.

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You can contact your New Jersey-elected officials about health care issues:

On national level

On state level

Health Insurance Information on Official State of New Jersey Sites

State of New Jersey Health Insurance Programs – The State of New Jersey's official government Web site offers information about its efforts to provide guaranteed-issue plans and more.
Medicare information from New Jersey State Department of Human Services -- State government resources for New Jerseyns needing help with Medicare.
New Jersey Family Care –Low cost or no cost subsidized health insurance program, the State of New Jersey's way of providing affordable health coverage for kids and certain low-income parents.
Consumer Report Cards on hospitals, HMOs, nursing homes and more -- A guide to the performance of New Jersey medical facilities in treating certain condidtions and illnesses.
New Jersey State Department of Health and Senior Services main page. Deal with issues of senior health care in New Jersey, as well as other types of insurance.
2005 New Jersey HMO Performance Report – read how New Jersey's HMOs are performing in meeting the health care needs of the state's population. Also, 2004; 2003; 2002; 2001; and 2000.
Veterans Health Care in New Jersey – what state health care programs are available to help veterans of Iraq and past Wars?
New Jersey's Patient Bill of Rights passed by the state legislature, every person admitted to a general hospital shall have the rights listed at this link.

Specific New Jersey Information on Federal Government sites

National Mental Health Information Centers listing of New Jersey Mental Health Resources published by the United States Department of Health and Human Services
New Jersey population statistics from the US Census Bureau.

Health insurance can be purchased in these New Jersey Counties: Atlantic County, Bergen County, Burlington County, Camden County, Cape May County, Cumberland County, Essex County, Gloucester County, Hudson County, Hunterdon County, Mercer County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Salem County, Somerset County, Sussex County, Union County and Warren County.

Health insurance can be purchased from various cities in New Jersey: Newark, Jersey City, Paterson, Elizabeth, Edison, Woodbridge Township, Dover Township, Hamilton: 87,109, Trenton, Camden, Clifton, Brick, Cherry Hill Township, East Orange, Passaic, Union City, Middletown, Gloucester Township, Bayonne, Irvington, Old Bridge Township, Lakewood, Asbury Park, Atlantic City, Cape May, Englewood, Ewing, Fort Lee, Hackensack, Hoboken, Jackson, Lambertville, Long Branch, Mendham, Montclair, Moorestown, Morristown, New Brunswick, The Oranges, Orange, East Orange, South Orange, West Orange, Plainfield, Point Pleasant, Princeton, Red Bank, Teaneck, Union, Wildwood and Willingboro.

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