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New Jersey Health Insurance
Individual healthcare policies can be tough on the pocketbook for New Jersey residents. However, if you are self-employed, work for a company that does not offer insurance benefits, or have exhausted your COBRA benefits, an individual policy is the only way that you can protect your financial stability and your health. It is important to know what insurance policies are required to cover in New Jersey and if the state offers assistance in getting policies.
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Health Insurance in New Jersey
New Jersey's Individual Insurance Policy Regulations include
- Insurance companies that offer individual policies are not allowed to refuse to issue you a policy because of any health or age factors.
- Open enrollment is held every year in October.
- Insurance companies must offer standard comprehensive policies as well as the Basic Plan and Essential Plan, which does not offer all of the benefits of comprehensive policies.
- Students may be able to continued to be covered under you policy until the age of 23.
- Insurance companies may be able to exclude pre-existing conditions, or conditions which occurred during six months prior to when the policy begins, for a twelve month period.
- Your insurance policy cannot be canceled in the event that you get ill.
N.J. State Health Insurance Assistance
New Jersey FamilyCare offers assistance to children from qualified low income families with their healthcare needs. In some cases, parents or guardians may also qualify. Premiums and copays, if any, are based on income. Services include hospitalization, doctor visits, and prescription drugs.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
