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Find Insurance. New Jersey. TABLE OF CONTENTS
Where to Find Insurance Main Page.
Individual Health Coverage Program. The Individual Health Coverage Program was created by law to provide health insurance for individuals in New Jersey who can't find health insurance. Insurers who participate in the Individual Health Coverage Program must offer a selection of standard health insurance policies to individuals. The benefits provided under these standard policies are established pursuant to law. Consumers can choose among several types of coverage including traditional indemnity coverage (where you can select your own doctor) and HMO coverage. The Individual Health Coverage Program provides protections for people with pre-existing medical conditions. As stated in the Buyer's Guide for the Program: "provided you satisfy the eligibility requirements . . . you cannot be denied coverage for any reason including your past or current health condition. However, the 'pre-existing conditions' provision may limit coverage during the first 12 months. You also are guaranteed renewal of your policy, provided you remain a resident of New Jersey and do not become eligible for coverage under a group plan, your premium is paid in a timely fashion and you do not commit fraud". More information on pre-existing conditions can be found in the Buyer's Guide prepared by the New Jersey Department of Banking and Insurance. Premiums for coverage under the Program can be found on the website of the New Jersey Department of Banking and Insurance. Premiums change every month so make sure you are looking at premiums for the current month. If current premiums have not yet been published on the web, you can call 1-800-838-0935 and ask to have them mailed to you or you can check back at the Insurance Department website later. In order to view premium information on the Insurance Department website you will need the Adobe Acrobat reader. If you do not have this software, you can download it from the Insurance Department's website. Click Here to link to premium information on the New Jersey Department of Banking and Insurance website. The New Jersey Department of Health and Senior Services has prepared a Report Card comparing HMOs in New Jersey which may help you select an HMO under the Program if that is the type of health insurance coverage you choose. The Report Card does not cover other types of health plans that participate in the Program. The Report Card can be viewed on the website of the New Jersey Department of Health and Senior Services ( in both text and adobe format). Click Here to View the Report Card. The New Jersey Department of Banking and Insurance website provides a detailed Buyer's Guide which discusses the Individual Health Coverage Program, including such important topics as eligibility and pre-existing conditions. Click Here to View the Buyer's Guide.You can also obtain a printed version of the Buyer's Guide by calling 1-800-838-0935. To obtain coverage under the Individual Health Coverage Program, you should contact the insurer from whom you are interested in obtaining coverage directly. The Buyer's Guide discusses how to do this. A list of participating insurers is also provided on the Department of Banking and Insurance website. If you have questions about the Program, you can contact the Department by telephone at 1-609-633-1882. Small Employer Health Benefits Program. The Small Employer Health Benefits Program was created by law to provide health insurance for small businesses (defined as businesses with 2-50 full time employees) that can't find health insurance. The New Jersey Department of Banking and Insurance website has detailed information about the Small Employer Health Benefits Program including a Buyer's Guide and a list of Health Insurers Participating in the Program. To obtain premium information, contact individual health insurers directly. If you have questions about the Small Employer Health Benefits Program you can call the New Jersey Insurance Department at 1-800-263-5912. New Jersey Family Care- Health Insurance For families and children. Under the NJ Family Care Program, New Jersey offers health care coverage to eligible uninsured families, single adults and couples without dependent children. Benefits under the Program include:
The health care benefits provided under the Program are provided through Health Maintenance Organizations. For more information on the Program, including how to apply, you can telephone 1-800-701-0710 or visit New Jersey's website for NJ FamilyCare. Where to Find Insurance Main Page.
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Page Last Updated:
January 2002
