New Jersey Health InsuranceIndividuals and Families
New Jersey Health Insurance
How to find an affordable plan.
Residents of New Jersey may obtain health insurance coverage through a number of channels. Those not covered through work, or a government sponsored program, are considered to be in the “individual” health insurance market. For those individuals, researching options is the first step. The next step is requesting a quote, or ideally, quotes from multiple sources. When you are provided with a health insurance quote from any company the first thing you should understand is not just the price, but the service provided. Beyond the confusing terms there will be detailed descriptions of what each basic plan allows in terms of illnesses and doctor visits covered. There will also be explanations of what additional or special services are available. While health insurance can be confusing it doesn't have to be. The complexity of the policies is actually there to protect you by giving you exact details of the coverage and manner in which each policy is carried out. If you cut through all of that and look for a few key issues that are of vital importance when choosing a health insurance plan finding the most affordable health insurance is no longer such a fearsome task.
Leading New Jersey Health Insurance Companies
Types of Health Insurance
Consumers should select a style of health insurance best fits their needs and budget. In New Jersey, HMO, PPO, and POS plans are some of the health insurance options.
HMO: While HMOs are the most restrictive type they are often the cheapest health insurance option. You will be given a list of physicians and hospitals and are required to select one to use as your primary provider. You must see that doctor, or go to that hospital initially for any care.
PPO: This health insurance option is similar to an HMO in that it also has lists of doctors and hospitals in the system that you are required to use. The key difference is that with a PPO, you can choose any of those physicians or hospitals at any time and interchange as you feel necessary.
POS: Point of Service health insurance is still available with many of the major health care providers and is the standard, or traditional, style of insurance where there are no lists, and you can go to any doctor or hospital of your choosing. It is the most liberal of health insurance types but usually the most expensive as well.
Resources and information
New Jersey Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
New Jersey Doctor Directory
Doctors practicing medicine in the State of New Jersey are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.