New%jersey Health Insurance
As a resident of New%jersey, you have plenty of New%jersey health insurance options to choose from. There are multiple insurance companies in New%jersey that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in New%jersey. See some of the state's top health insurance companies and read about the important New%jersey health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public New%jersey health insurance programs.
Not resident of New%jersey? Find your state here.
If you would like to get free quotes and compare New%jersey health insurance plans now, start with our simple form on the left.
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 health insurance plans 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:
New Jersey Department of Banking & Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625
Phone: (609) 292-7272
http://www.state.nj.us/dobi/index.html
New Jersey Department of Health and Senior Services
PO Box 360
Trenton, NJ 08625
Phone: (609) 292-7837
http://www.state.nj.us/health/
