Health Plan One offers more than 20 health insurance plans in Jersey City, which is part of Hudson County, New Jersey. Health insurance carriers that offer individual and family health insurance plans in Jersey City include Amerihealth, Horizon, and Oxford. Enter your ZIP code above to compare the details of the health insurance plans available in Jersey City.
Finding health insurance in the state of New Jersey is in many ways different than finding insurance in other states. New Jersey is a “guaranteed issue state” meaning that medical underwriting is not allowed on the individual market there. In other words, unlike in most other states, when you apply for an individual plan in New Jersey, you cannot be denied or excluded based on previous medical conditions, with some exceptions. This makes New Jersey one of the most expensive places in the country to have health insurance, because insurance companies are not allowed to adjust prices on most products for age, gender, smoking habits, and health status, prices tend to be very expensive even for the young and healthy.
Health Plan One can assist with any questions you may have about individual plans. If you own your own business, Health Plan One can also assist small business owners in obtaining small group coverage for your growing company. If you have serious medical issues or don’t think you can afford private health insurance in New Jersey you could qualify you for free or low-cost health care programs offered by the government, such as Medicaid or S-CHIP.
Medicaid in New Jersey currently serves more than 1 million New Jersey residents. The program pays for hospital, doctor, prescriptions, nursing home and other needs for those who qualify. Those who qualify for full-benefits under the program must fall into one of the following categories: families with children up to age 18, people who are aged/blind/permanently disabled, pregnant women, and children. To be eligible for Medicaid, you must be a resident of New Jersey, a US citizen or qualified alien, and meet some income requirements. These income requirements can be found here: http://www.hrsa.gov/reimbursement/states/new-jersey-eligibility.htm
New Jersey also offers the State Children’s Health Insurance Program (S-CHIP), which is called NJ Family Care. This program was created to cover the children of families who make too much to qualify for Medicaid, but who also don’t make enough to be able to afford private insurance. The program provides most of the same benefits as Medicaid. This includes doctor visits, hospital stays, prescriptions, and other benefits. More information can be found on their website: http://www.state.nj.us/humanservices/dmahs/clients/njfamilycare/index.html
Because New Jersey is a guaranteed issue state, there is no high risk pool available to residents. There is also no short-term health insurance, because it is a medically underwritten product which isn’t permitted in the state.
Click here for information on Jersey City Medicare plans.