New Jersey Health Insurance
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Tips and Information about New Jersey Health Insurance
Some Noteworthy Facts:
- Health care costs are increasing twice as fast as inflation.
- In 2004, over 42 million Americans were without health insurance.
- In 2004, 7 million children under the age of 18 were without health insurance.
With the current trends in health care, are there still options available for me?
Yes. The State of New Jersey has taken great measures to ensure that their residents are able to receive New Jersey health insurance.
Encouraging Information about New Jersey Health Insurance:
In1992, the New Jersey legislature created Individual Health Coverage (IHC) to make certain that people without access to employer-sponsored health care programs could purchase health coverage for themselves and their families.
You are eligible for IHC if:
- You are a resident of New Jersey.
- You are not eligible for coverage under a group plan.
- You are not eligible for Medicare.
This means if you are offered group coverage but choose not to participate, you will not be eligible for New Jersey IHC. The same applies to those who qualify for Medicare but choose not to participate.
What else does New Jersey health insurance have to offer?
The State of New Jersey has implemented many policies to help residents get the most out of their New Jersey health insurance:
- As a resident, your New Jersey health insurance options do not depend on your health status. New Jersey must limit exclusion of pre-existing conditions. Generally, if you join a new plan, your old coverage will be credited toward your pre-existing condition exclusion period.
- Your coverage under group plans cannot be denied or limited because of your health status. This is called nondiscrimination.
- Guaranteed renewability ensures that your New Jersey health insurance cannot be cancelled if you get sick.
- If you leave your job, you may be able to remain on your old group plan for a limited time through state-continued coverage, or COBRA. Your COBRA coverage can last up to 18 months but cannot be renewed. For more information on COBRA requirements, contact the U.S. Department of Labor at (404) 562-2156
My children are without New Jersey health insurance. Where can I find help?
Your child may be eligible for free or discounted New Jersey health insurance through New Jersey Family Care, provided they are less than 18 years of age, uninsured and live in families with low to modest income. For more on New Jersey family care, contact the New Jersey Department of Human Services at 1-800-367-6543.
What if I still have questions?
For more information on New Jersey health insurance, you may contact the New Jersey Department of Banking and Insurance at 1-800-838-0935 or visit them on the web.
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