Though New Jersey has been accused of many things, from funky smells to poor sanitation, the one shining part of the Garden State has been their health insurance market.
New Jersey health insurance companies cannot turn down or reject individuals for health insurance coverage. That means as a Guarantee Issue state, you will never be refused access to health care, unless you can’t afford it. Of course the great caveat, is who can afford it nowadays?
You are even allowed to decline an employers coverage if it is more expensive then a New Jersey individual health insurance policy due to a contribution percentage being high.
However you should still carry health insurance at all times, because if you get sick and attempt to get a health insurance plan without prior coverage you could easily get hit with up to a 12 month pre-existing condition limitation.
New Jersey also offers a state continuation of coverage for employers with fewer than 20 employees. 12 months of continuous coverage is available.
New Jersey Health Insurance Companies
Blue Cross Blue Shield of New Jersey
Today, Horizon Blue Cross Blue Shield of New Jersey, headquartered in Newark, is the largest Health insurer in the state of New Jersey and covers anywhere from 3-5 million members. They employ a whopping 4,700 employees and are the top rated and most reputable New Jersey health insurance company. They also enjoy a preferred non-profit status which makes it difficult to compete with them as they have a favored tax status. In fact, they operate as the state’s only not-for-profit health service corporation. For more than 75 years, Horizon Blue Cross Blue Shield of New Jersey has been trusted by million of New Jersey residents as an innovative leader in providing access to affordable, quality health care.
Oxford Health Plan
Oxford Health Plan of New Jersey is so dependable, that my parents have it as a matter of fact, and I was very happy with the way they were treated during a rough medical period for my father. Owned by United Health Care, Oxford Health Plans, provides outstanding health insurance coverage to employees and individuals in New York, New Jersey, and Connecticut. Oxford’s commercial insured products and services include traditional health maintenance organizations, preferred and exclusive provider organizations, point-of-service plans and consumer directed health plans. Oxford also offers Medicare plans and third party administration of employer-funded benefits plans.
AmeriHealth Inc.
AmeriHealth New Jersey provides health insurance coverage to employers and individuals throughout the state. The company has the largest hospital network in New Jersey and a broad physician network throughout the entire state. AmeriHealth New Jersey has offices in Mt. Laurel and Iselin.
