New Jersey Health Plan

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee, you are guaranteed the right to buy an individual health insurance policy from any individual market insurer, and are not subject to pre-existing condition exclusion periods or elimination riders.

• NJ prohibits pre-existing condition exclusion periods and elimination riders
• NJ is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in New Jersey, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

Major Insurance Companies

Insurance premiums vary depending on family size and the type of plan selected. Major insurance companies operating in New Jersey include:

Aetna Health Inc.

(800) 234-8454 x3129

AmeriHealth HMO

(800) 454-7651

Cigna HealthCare

(800) 462-6633

Horizon Blue Cross

(800) 224-1234

Oxford Health Insurance

(800) 216-0778 Opt.3

New Jersey Coverage Highlights

All insurers must offer both "the Basic and Essential Plan" as well as comprehensive, standardized policies:

• The Basic and Essential Plan: no coverage for chemotherapy, outpatient prescription drugs, and maternity
• Comprehensive Plans: depending upon the insurer, you may choose between indemnity plans, an HMO, or a PPO. Policies include hospital and physician care, maternity, prescription drugs, and preventive checkups.

Where can I obtain more information?

For enrollment information, visit the New Jersey Department of Banking and Insurance online at http://njdobi.org/, or call (609) 633-1882 ext. 50302.

Special insurance for children: NJ FamilyCare

A family of four making up to $41,000 a year or more may be eligible for NJ FamilyCare.

• Do you qualify? Visit Eligibility
• To discover what's covered view Benefits Information
• Questions? View their FAQs, or call (800) 701-0710