health INSURANCE companies in nj - 12 September 2013 - insurance

insurance companies in nj

health INSURANCE companies in nj

NJ Health Insurance NJ Health Insurance Policy Search

Individual and Group Health Insurance Search Facility.

NJ Small Business Health Insurance Companies.

Carrier Telephone

Aetna Health Inc. 1-888-287-4295

Aetna Life Insurance Company 1-888-287-4295

AmeriHealth HMO, Inc. 1-866-681-7368

AmeriHealth Insurance Company of New Jersey 1-866-681-7368

CIGNA Healthcare of New Jersey, Inc. 1-800-462-6633

Guardian Life Insurance Company of America 1-800-356-5808

Health Net 1-800-848-4747 (new business)

1-888-747-2323 (existing business)

Horizon Healthcare of New Jersey, Inc. 1-800-784-6222

Horizon Healthcare Services, Inc. (Horizon BCBS of NJ)

United HealthCare Insurance Company, Inc. 1-973-244-8049

United HealthCare of New Jersey, Inc. 1-973-244-8049

WellChoice HMO of New Jersey 1-888-476-8069

WellChoice Insurance of New Jersey 1-888-476-8069

вЂєвЂє NJ Health Insurance Quotes and Plans

NJ Health Insurance Plans for Individuals and NJ Small Business Health Insurance Consumers. The NJ healthcare industry includes the delivery of health services by doctors and other allied health providers. Usually such services receive payment from the patient or from the patient New Jersey Health Insurance Company although they may be government financed or delivered by charities or volunteers, particularly in poorer NJ counties. Health Care in the Garden State.

You buy health INSURANCE for the same reason you buy other kinds of INSURANCE, to protect yourself financially. With health INSURANCE, you protect yourself and your family in case you need medical care that could be very expensive. You can predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. To begin you should compare rates and plans from 2 or 3 different sources. Choose the plan or company that suits you best.

вЂєвЂє Before you buy Health INSURANCE - get health INSURANCE quotes

Know What Coverage Benefits and Riders That You Need.

Make a list of the health issues that are most important to you and your family.

For example: Planning a family? You may want to research the types of family care benefits within a specific health plan. Have you been diagnosed with diabetes or high blood pressure? Has anyone in your family suffered a catastrophic illness?

You may also want to research whether the plan offers a drug prescription program, alternative medicine, coverage for eyeglasses, and other such options.

Do you want to continue to see your current doctor? Make sure that doctor participates in the health plan. If the doctor does not, look into what your financial responsibility would be if you used an out-of-network doctor. To find this out, you can call the plan member services department or call the provider directly. Refer to the Choosing a Physician sidebar on this page for more information.

Youve heard the saying, an ounce of prevention is worth a pound of cure. Check to see what kind of preventative medicine and screenings the plan you choose offers.

Know how much you can afford. Out-of-pocket expenses include more than the monthly premiums.

Make sure the plan includes the types of doctors and services you need and that are conveniently located near you and your family.

Cost: Know How Much You Want to or Can Afford To Spend

To many, cost is a major consideration when choosing a health INSURANCE plan. But depending on the types of care or benefits one plan may offer versus another, you may find yourself paying more out-of-pocket expenses than you expected. Depending on your individual health INSURANCE needs, a plan with a higher premium doesn necessarily mean that youre spending more on your health care.

Consider what youll be paying for when choosing a health INSURANCE plan:

Premiums: The cost for the health INSURANCE plan.

Co-Payments: The fixed fee for utilizing network services such as doctor or emergency room visits and filing a prescription.

Co-Insurance: The part of the cost of health care services that the patient must pay. This is generally identified as the percentage of the cost shared with the insurer (such as 20% paid by the patient and 80% paid by the insured).

Deductibles: The amount that you must pay out-of-pocket before your INSURANCE is activated to pay for your health care.

Out-of-Pocket Maximum: Some plans put a limit on how much you are responsible to pay.

Annual or Lifetime Maximum: Some plans limit the amount that the insurer is responsible to pay.

NJ Health INSURANCE pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency.