Best Health Insurance in New Jersey • Affordable Health Coverage – Benzinga

quick look: the best health insurance in new jersey

  • best for low premiums: amerihealth
  • best for an expanding provider network: horizon blue cross blue shield
  • best for affordable coverage: oscar
  • best for variety of plans: human
  • the best for orthodontic benefits for adults and children: you deserve
  • see any doctor: health sidecar
  • Looking for the best health insurance in New Jersey? If you’re a New Jersey resident wondering where you can find the best affordable health insurance, check out our options for the most affordable insurance plans in New Jersey. We look at options to help you find affordable, comprehensive health insurance plans that fit various health insurance needs and budgets.

    best health insurance in new jersey

    benzinga wants to help you find the best health care coverage available in new jersey and has provided a list of the best health insurance providers in the state, along with their best attributes to help you get started.

    Reading: What is the best health insurance in nj

    Now that you understand how to get health insurance and what the insurance covers, it’s time to get covered. Let’s take a deeper look at some of the best health insurance providers offering plans in the Garden State.

    1. amerisalud

    amerihealth is one of the leading health insurance providers in new jersey, offering individual and family plans in the aca market. All of their plans include every one of the essential ACA benefits, and many higher-tier options also include discounts on dental plans.

    amerihealth offers health insurance to both individuals and employers in new jersey with health maintenance organization (hmo) and preferred provider organization (ppo) plans following essential aca benefits and higher cost options that provide more comprehensive coverage. there are 4 individual plans and sub-plans: bronze, silver, gold and a catastrophic plan. Plan types include HMO, Point of Service (POS), Exclusive Provider Organization (EPO), and PPO. health savings accounts (hsas) are available with several plan options, as well as dental and vision insurance. A variety of plans are available to amerihealth members, from the most essential coverage to comprehensive plans with additional coverage options.

    You can manage your claims and benefits through the amerihealth website or through its convenient mobile app. You can choose your network of doctors to balance the personalized care you want while keeping your premium costs low.

    2. blue horizon cross blue shield

    horizon blue cross blue shield is new jersey’s most popular choice for independent health insurance plans. horizon now offers paperless online account management for all plan holders, giving you easier and more secure access to your sensitive medical data.

    horizon blue cross blue shield offers health insurance plans to people in new jersey and has a large network of doctors, hospitals and specialists in its provider network. horizon blue cross blue shield is an independent licensee of the blue cross blue shield association. horizon blue cross blue shield offers insurance policies on the health care exchange.

    First-time purchasers of health insurance will find the FAQ page very helpful. it’s packed with information about available benefits and how to find medical providers in your network. In addition, the company offers a wide range of plans suitable for almost any type of budget and health care needs.

    Its comprehensive FAQ page also includes information on how to find doctors in its network and how to use its benefits, which can be particularly helpful for first-time shoppers. Finally, Horizon offers a wide range of plan types and levels suitable for almost any budget.

    3. Oscar health

    If you’re looking for plans with lower monthly premiums, consider Oscar Health when comparing coverage options. You can get an ACA-compatible plan for around $300 a month, and deductibles start at $2,300 for more expensive options.

    See also: How to Cancel Home Insurance | GoCompare

    The company offers lower monthly premiums for plans that comply with the Affordable Care Act (ACA), while offering higher-cost options for more comprehensive plans. Plus, plan members have low copays (most tiers have $25 copays for doctor visits and prescriptions) and provide access to telehealth services with in-network health care providers.

    oscar offers epo plans, which means you must use in-network plans to cover the cost of services. however, preventive care is free, and the company also offers members virtual visits with 24/7 accessibility.

    Most Oscar plans have low copays: You’ll pay $25 for a doctor’s visit and $25 for prescription drugs on most tiers. Oscar’s plans even include 24/7 telehealth conferencing with in-network doctors – get a prescription refill or expert medical advice without having to go to the doctor.

    4. human

    Looking for a way to add dental and vision insurance to your plan without breaking the bank? be sure to consider humane when comparing insurance providers.

    In addition to its group health insurance plans, Humana offers comprehensive vision and dental insurance plans. Humana provides health insurance to employees of businesses of any size. In addition, the company has hmo, ppo and indemnity plans. the indemnity plan is the most expensive option but allows you to choose your own provider.

    humana offers comprehensive dental insurance plans starting at $23 in many parts of new jersey, while vision insurance starts at just $15. Ella’s plans even include affordable PPO coverage, meaning she can use her benefits without worrying about finding an in-network dentist.

    humana has 3 dental plans: dental savings plus, preventive value and dental preventive plus. The most significant savings are through the dental savings plus plan, but you must use only in-network dentists. human vision insurance is called a vision focus plan and is very affordable with a premium of $14.99. covers routine eye exams, contact lenses, and frames.

    5. merits

    meritas offers comprehensive dental and vision plans for new jersey residents. In addition, Ameritas has one of the most inclusive dental insurance plans that covers 100% of preventive and pediatric orthodontic care.

    If you want to add more comprehensive dental and vision coverage, consider a merits package plan. Ameritas dental insurance options start at $50 per month, but offer broader coverage.

    Ameritas vision plans start at just $11 per month and include low copays of $25 for eye exams. just like human, you can quickly add dental and vision coverage to your household coverage in as little as 15 minutes through the ameritas website.

    vision insurance through ameritas provides coverage for screening exams and coverage for contact lenses and prescription glasses. 20/20 plus plan includes dental, vision and hearing coverage with reduced prices for hearing aids

    6. health sidecar

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    If you are a New Jersey resident looking for a healthcare provider with no enrollment period, Sidecar Health is a great option to consider. sidecar health is not a traditional insurance company, but it allows you to pay health care providers in advance using the sidecar health payment card. By using the Sidecar Health Payment Card, you can receive up to 40% savings on health care costs. In addition, all health insurance plans with a sidecar comply with ACA.

    Sidecar health insurance is ideal for healthy people who need short-term coverage, don’t have any pre-existing conditions, and may not want to enroll in a major health care plan.

    open enrollment for marketplace coverage

    key dates for new jersey market coverage:

    • Open enrollment begins November 10th. 1.
    • Open enrollment ends in January. 31.
    • Coverage begins in January. 1 if you enroll before December. 31.
    • Coverage begins in February. 1 if you enroll in January.
    • how does health insurance work?

      Each month, you’ll pay your health insurance company a premium that keeps your nj health insurance coverage current. You’ll also pay a set dollar amount out of pocket to cover your own health care costs: this is your plan’s “deductible.” Once you meet your deductible, you only need to pay a set percentage of your medical bills called the “coinsurance percentage.” Your plan will also include an “out-of-pocket maximum” that limits the total amount of money you can spend each year on health care.

      Health insurance plans can cost hundreds of dollars a month. are they really worth it? it is always a good idea to maintain some form of coverage. These are just some of the benefits of having health insurance:

      • Insurance helps you pay your medical bills. If you don’t have health insurance, you must pay 100% of your health care costs. this can mean spending more than $4,000 a day in the hospital and more than $170,000 for major life-saving surgery.
      • a disease can appear at any time. You don’t have to wait for a new job or an upcoming marriage to get coverage. an illness or accident can hospitalize you at any time, and you need to be protected.
      • You may be breaking the law. As a New Jersey resident, you must have some form of long-term health insurance unless you qualify for an exemption.
      • Most people get their health insurance through their employer or through a government-sponsored program like Medicare. If you don’t qualify for any of these, you can purchase a stand-alone Marketplace plan here by visiting After you create a account, you can search for specific plan options and search plans by deductibles, premiums, and covered drugs.

        average cost of health insurance in new jersey

        The average New Jersey resident spends about $451 per month on their individual health insurance plan. The specific amount you’ll pay for your coverage will depend on where you live, your plan provider, how many people are on your plan, your age, and whether you use tobacco.

        If your total household income is less than $50,000, you may qualify for a subsidy through the Marketplace. Enter your financial information in your account to learn more about the subsidies you qualify for.

        types of health coverage

        When you start looking for a health insurance plan in nj, you’ll see a wide variety of plan types and acronyms. You might even see multiple types of plans available from a single insurance company. The biggest difference between plan types is the size of the network of doctors and specialists who accept your insurance. Let’s take a look at some of the most common types of health insurance plans you’ll see in the marketplace here.

        • Health Maintenance Organization (HMO) Plans: HMO plans have an established network of contracted doctors and specialists to provide discounted services to policyholders. if you have an hmo plan, you must see a doctor in their network; otherwise, you cannot use your benefits. You also usually need to get a referral from your primary care provider before you can see a specialist. For most people, an hmo plan is the cheapest health insurance option.
        • preferred provider organization (ppo) plans: ppo plans are not as restrictive as hmos. With a PPO, you can see any doctor or specialist you want without worrying if they’re in your network. You can also see a specialist without getting a referral from your doctor. ppos are more expensive than hmos, but they give you more freedom in using your benefits.
        • Point of Service (POS) Plans: With a POS plan, you can see any doctor or specialist you want, just like a PPO. however, you will save money if you choose to see an in-network provider. You also need to get a referral before you see a specialist. A POS plan may be right for you if you want to balance the cost and benefits of the plan between a PPO and an HMO.
        • what does health insurance cover?

          after creating your market profile, you will be able to search for insurance plans available in your area. Every plan you see on the market meets the standards set by the ACA. this means that each plan must cover all of the “essential benefits” of the aca, including these:

          • Outpatient Services: includes care you get without going to the hospital.
          • hospitalization: includes both overnight stays and surgeries.
          • Emergency Services: Your insurance must cover emergency services at both in-network and out-of-network hospitals. the aca prohibits insurance companies from requiring you to visit or contact a specific hospital in a true emergency.
          • Prescription Drugs: Insurance companies must cover all major classes of prescription drugs. The ACA does not require insurance providers to cover all generic and brand name drugs. If you’re already taking a specific prescription, you can search for plans here that include coverage using the marketplace’s prescription search tools.
          • Rehabilitative Devices and Treatments: This includes mobility devices and treatments intended to help you regain mobility after an illness or accident.
          • pregnancy, maternity, and newborn care: Your insurance provider must offer coverage for all treatment and services you need during your pregnancy. It is against the law for an insurance company to drop your coverage or increase your premium because you are now pregnant.
          • Preventive care and screenings: This includes both routine tests (such as STD tests and lipid panels) and regular preventive care (such as immunizations and annual physicals).
          • Laboratory tests: This includes specialized diagnostic tests.
          • mental health and substance abuse treatment: this includes inpatient and outpatient treatment for mental illness and substance use disorders.
          • Pediatric Services: Your insurance provider must offer all essential benefits to all children enrolled in your plan. your plan must also include coverage for pediatric dental and vision benefits.
          • Female Birth Control: If you are a woman, your insurance provider must offer coverage for birth control. This requirement extends to hormonal methods (such as birth control pills), implanted devices (such as the IUD), barrier methods (such as the sponge), and emergency contraception (such as Plan B).
          • what does health insurance not cover?

            No matter what plan level you choose and who cares for your insurance, your plan won’t cover everything. Let’s look at some of the most commonly excluded treatments and services.

            • male birth control: the aca only requires insurance companies to provide coverage for male contraceptive methods. This means that most insurers do not cover male contraceptives like condoms and vasectomies.
            • Adult Dental and Vision Services: Your insurance must include coverage for children’s dental and vision services in your plan. there is no federal mandate that requires insurance providers to extend these services to adults. however, you can purchase a separate vision and dental plan to supplement your coverage.
            • travel vaccinations: health insurance only covers the routine recommended set of vaccinations established by the cdc. If you need a special vaccine to travel abroad (such as a yellow fever or typhoid vaccine), you will need to pay for it out of pocket.
            • cosmetic surgery: no type of purely elective surgery is covered by health insurance.
            • Bariatric Surgery: There is no federal mandate that requires health insurance companies to cover bariatric surgery, even when it is considered medically necessary. insurance providers may choose to voluntarily provide this benefit on a plan-by-plan basis.
            • how to find affordable health insurance in nj

              You have several good options when shopping for health insurance in new jersey. To find the most comprehensive health insurance coverage at the most affordable rate, you can get free quotes from the aforementioned health insurance providers. All companies have their own guidelines when calculating their insurance rates, so rates will vary from company to company.

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              frequently asked questions