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New Jersey health insurance
The recent increase in the cost of health insurance plans has made it necessary for you to get all the information you can on health plans. This is because you need to find the one which will provide you with all the benefits you are likely to need. There are a number of options available which provide varying benefits. For this reason, it is important for you to know more. If you are a resident of New Jersey and are looking for health insurance, we have all the information you need before you go for a plan.
Individual health insurance in New Jersey
Individual health insurance plans are offered in the state by private carriers. The state does not allow the process of medical underwriting. For this reason, an insurance carrier cannot refuse you insurance due to your health status. The carriers cannot review your health status and anyone who can pay for insurance may get it. However, the carriers may refuse you coverage for a pre existing condition that existed at the time of your applying for insurance or within the last six months. The company may also refuse covers for that particular condition for 12 months.
Due to the factors above, there is no high risk pool in the state.
As an individual, you may choose between HMO, PPO and POS types of plans. The plan you ultimately go for will depend on the benefits you want, the costs you can afford and your health needs.
Groups and Small Businesses (2-50 employees) insurance in New Jersey
There is a small employer health benefits program (SEH) in New Jersey. It allows small businesses to purchase both standard and non standard plans in the state. This market is more of a modified community rated market which allows carriers to consider the gender and age of the employees when they offer insurance.
COBRA coverage in New Jersey
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of New Jersey. This law provides that a company employing more than 20 people is obligated to continue covers for him even after his employment has been terminated. The covers also have to be extended to his family. The covers are continued for a particular period of time.
Participants under the State Health Benefits Program (SHBP) can continue covers under COBRA within the same program. They can receive covers unless they have been terminated for gross misconduct.
New Jersey Medicaid plans
Medicaid plans are also offered in the state of New Jersey. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements. For participants under the
New Jersey also offers the CHIP children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of New Jersey and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top New Jersey Health Insurance Carriers
Our service will help you secure the most suitable New Jersey health insurance quote for yourself. Through our service, you can get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find New Jersey Health Insurance
If you have always wanted a fast and easy way of securing insurance, this is it. The only thing you have to do is to fill in a simple form with some basic information. This will be kept confidential and will be used only to provide you with medical insurance quotes. When you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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