New Jersey Health Insurance
New Jersey residents who are seeking health coverage have a lot of options to choice from. Health insurance plans are designed for a wide range of New Jersey residents to fulfil their health care needs.
Read below about the various insurance laws, rules, and regulations in New Jersey when looking for a plan for you and your family. You can also study information on the various New Jersey health insurance companies.
If you reside in a state other than New Jersey, search health insurance by state here.
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Resources on this page
New Jersey Health Insurance Laws and Regulations
Public Health Insurance Programs for New Jersey Residents
New Jersey Health Insurance High Risk Pools
New Jersey Health Insurance Companies
Contact Info for the New Jersey Insurance Administration and Department of Health
New Jersey Health Insurance Laws and Regulations
New Jersey health insurance companies cannot deny individuals coverage due to pre-existing conditions. However, individuals can face waiting periods up to a year for coverage on certain medical conditions.
Health insurance coverage is also guaranteed and renewable for New Jersey residents. That means that individuals can renew their plans without regards to their current health status.
New Jersey also requires health insurers to "establish modified community rates" so that rates only vary by age but not on gender, occupation, health status, or geographic location.
New Jersey Health Insurance Public Programs
There are many public New Jersey health insurance programs that help low-income residents get health insurance coverage.
- Medicaid
The Medicaid program in New Jersey provides low-income residents and disabled citizens health insurance coverage. To learn more about Medicaid in New Jersey visit here.
- NJ FamilyCare
NJ FamilyCare is a New Jersey health insurance program for uninsured children and low-income parents. The program provides affordable health coverage for a wide range of health care services including prescriptions, routine visits, hospitalizations and more. For more information view their website. - New Jersey CHIP
New Jersey Children's Health Insurance Program (SCHIP) provides health insurance for low-income children under the age of 19 if they do not qualify for Medicaid. To learn more about the New Jersey health insurance program visit them online. - New Jersey Medicare
Seniors can find New Jersey health insurance through Medicare Advantage, Supplement and Original Medicare.
New Jersey Health Insurance High Risk Pool
Residents in New Jersey with pre-existing conditions will be able to get health insurance from a high risk pool set up by the Patient Protection and Affordable Care Act.
The New Jersey high risk pool is referred as NJ Protect. It will run similar to regular New Jersey health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the NJ Protect will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for New Jersey residents depend on the health insurance plan chosen and range from around $212 to $767 a month. The plan deductible will also depend on the plan chosen by New Jersey residents.
People in New Jersey with medical conditions will have coverage for prescription drugs, doctor and hospital visits, emergency services and more.
Individuals may apply for the New Jersey program if they are a United States citizen, have been without health insurance for six months and have a medical condition.
For more information on the New Jersey health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer New Jersey health insurance plans:
AmeriHealth New Jersey Health Insurance
AmeriHealth is a growing group of health insurance plans expanding its base in the states of New Jersey, Delaware, and Pennsylvania since 1995. They have been recognized for their commitment to providing high quality products to all of their customers.
Click here to view AmeriHealth New Jersey Health Insurance in New Jersey
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in New Jersey
Horizon Blue Cross Blue Shield of New Jersey Health Insurance
As a non-profit insurance company, Horizon BCBS of New Jersey provides a wide variety of health insurance plans with superior customer service.
Click here to view Horizon Blue Cross Blue Shield of New Jersey Health Insurance in New Jersey
Oxford New Jersey Health Insurance
Oxford is part of the largest health carrier in the U.S., with a parent company that services nearly 70 million customers nationwide. Oxford members have access to 73,000 physicians and providers, as well as over 200 hospitals.
Click here to view Oxford New Jersey Health Insurance in New Jersey
New Jersey Insurance Department and Department of Health
Find the contact information for the New Jersey health insurance and health departments at:
20 West State Street, PO Box 325
Trenton, New Jersey 08625
Phone: (609) 292-7272
http://www.state.nj.us/dobi/index.html
PO Box 360
Trenton, New Jersey 08625
Phone: (609) 292-7837
http://www.state.nj.us/health/
