NJ Health Insurance Plans Consumer Quoting and Qualification Assistance Online
NJ Healthcare
Health Insurance in NJ.
New Jersey Health Insurance Plans available online. Compare prices, compare plan features and buy online. Chose from NJ State Mandated Individual Plans, Dental Plans, Short Term Medical or NJ Group Health Insurance plans. HMO-PPO-EPO.
NJ Health Plans Available
NJ Insurance Links
NJ Health Insurance Buyers Guide
NJ Health Insurance Plans Top Providers
.:NJHIP NJ Health Insurance Plans
Most New Jersey consumers have health care coverage from an employer.
Others have NJ medical care paid through a government program such as
Medicare, Medicaid, or the Veterans Administration (VA). For information
on Medicaid, look in your phone book under Medicaid, Social Services,
Medical Assistance, Human Services, or Community Service. Information
about Medicare is available by calling 1-800-MEDICARE. Information concerning
VA medical care is available from your nearest New jersey VA facility.
If you have lost your NJ group health coverage from an employer as the
result of unemployment, a death, divorce, or loss of “dependent child”
status, you may be able to continue your coverage temporarily under
the Consolidated Omnibus Budget Reconciliation Act (COBRA). You, not
the employer, pay for this coverage. When one of these events occur,
you must be given at least 60 days to decide whether you wish to purchase
the coverage.
New Jersey offers State Mandated guaranteed issue health insurance
to residents who are unable to obtain coverage because of a health condition.
To find out the prices and coverages available use one of the free quoting
tools located below.
Most states also offer free or low-cost coverage for children who do
not have health insurance. Visit www.insurekidsnow.gov or call 1-877-KIDS-NOW
for more information.
NJ HMOs and NJ PPOs
When purchasing NJ health insurance, your choices will typically fall
into one of three categories:
Traditional fee-for-service NJ health insurance plans are usually the
most expensive choice. But they offer you the most flexibility when
choosing health care providers.
NJ Health maintenance organizations (HMOs) offer lower co-payments and
cover the costs of more preventative care BUT your choice of health
care providers is limited.
NJ Preferred provider organization (PPOs) offer lower co-payments like
HMOs. Their advantage over HMOs is that they give you more flexibility
when selecting a provider. A PPO gives you a list of providers you can
choose from.
WARNING: If you go outside the HMO or PPO network of providers,
you may have to pay a portion or all of the costs.
The National Committee for Quality Assurance (NCQA) evaluates and accredits
HMOs. You can find out whether one is accredited in your state by calling
1-888-275-7585. You can also get this information as well as report
cards on HMOs by visiting its website www.ncqa.org. Medicare beneficiaries
can compare HMO programs at www.medicare.gov and www.medicarenewswatch.com.
When choosing among different NJ health care plans, you’ll need to read
the fine print and ask lots of questions.
Do I have the right to go to any NJ doctor, hospital, clinic or pharmacy
I choose?
Are specialists such as eye doctors and dentists covered?
Does the plan cover special conditions or treatments such as pregnancy,
psychiatric care and physical therapy?
Does the plan cover home care or nursing home care?
Will the plan cover all medications my physician may prescribe?
What are the deductibles? Are there any co-payments?
What is the most I will have to pay out of my own pocket to cover expenses?
Are there any limits on expenses covered in a year? In my lifetime?
If there is a dispute about a bill or service, how is it handled? In
some plans, you may be required to have a third-party decide how to
settle the problem.
NJ Health Insurance Plan NJHIP Medical Links
www.healthfinder.gov, a great
starting point!
U.S. Department of Health and Human Services
Health Resources and Services Administration
CDC's School
Health program
Health Insurance Sites listed by category:
HRSA
HIV/AIDS Services
AIDS Advice
The Body: A Multimedia
AIDS and HIV Resources
JAMA AIDS-Related
Homepage
Journal of AIDS/HIV
Health Insurance ASSOCIATIONS AND FOUNDATIONS
American College Health Association
Agency for Healthcare Research and Quality (AHRQ)
Alaska Primary Care Association
American Medical Association
American Public Health Association (APHA)
Association of Asian Pacific Community
Health Organizations (AAPCHO)
Association of American Medical Colleges
Bi-State Primary Care Association
California Primary Care Association
Community Health Care Association of
New York State
The Commonwealth Fund
Connecticut Primary Care Association
Denver Health Organization
The Florida Association of Community
Health Centers
Health on the Net Foundation - a nonprofit
organization in Geneva
Illinois Primary Health Care Association
Kansas Association for the
Medically Underserved
Louisiana Primary Care Association
Medical Group Management Association
Michigan Primary Care Association
National Association of Community Health
Centers
National Health Care for the Homeless
Council
National Committee on Quality Assurance
New Jersey Primary Care Association
New York Primary Care Association
Ohio Department of Health
Ohio Primary Care Association
Oklahoma Primary Care Association
Pan American Health Organization
PCAweb.org - Primary Care Associations website
Public Hospital Pharmacy Coalition
(PHPC) - PHPC represents
the DSH hospitals and provides advice on how to maximize use of the
340B program and ensure compliance with federal drug pricing laws.
Texas Association
of Community Health Centers, Inc.
Virginia Primary Care
Association
VHA Health Foundation
Wisconsin Primary Health Care Association
Cancer.gov
Cancerfacts.com
Oncology.com
American Academy of Family Physicians
Clinical Directors Network (CDN)
Health Affairs, the health care
journal
Midwest Clinicians Organization
Health Care for the Homeless Clinicians'
Network
COMMUNITY HEALTH CENTER AND OTHER HEALTH NETWORKS
Access to Care -
a
model primary health care program serving low-income uninsured individuals
in suburban Cook County, Illinois.
Community
Health Connect is a nonprofit agency in Utah County, UT
Community
Voices: HealthCare for the Underserved is an initative of the W.K.
Kellogg Foundation.
Eric B. Chandler Health Center - New Brunswick, NJ
The Family Health Center of Worcester
Family Health - a
community health center in Greenville, Ohio
Family Care Health Center
Healthreach
Community Health Centers - a network of 11 health centers
in central and western Maine providing family health care that is affordable
and close to home.
Hudson River Community Health -
a network of community health centers throughout the Hudson River Valley
in New York State.
Kaiser Family Foundation
G.A. Carmichael Family Health Center
- in Central Mississippi
Greater Philadelphia Health Action
Manchester Health Center - Manchester,
New Hampshire
Morris Heights Health and Birthing Center
The Massachusetts
League of Community Health Centers
Terry Reilly Health Services - a heath
center in Idaho
Sixteenth Street Community Health Centers
- providing quality health care services to residents of Milwaukee,
Wisconsin
Southern Ohio Health Services Network
SouthEast Lancaster Health Services
CULTURAL COMPETENCY, ETHNIC/GERIATRIC HEALTH
The
Cross Cultural Health Care Program National leader in training
healthcare professionals in cultural competency and in training medical
interpreters
National Asian Women's Health Organization
National Center for Cultural Competence Georgetown University has
partnered with
BPHC with the goal of Cultural Competence in Primary Health Care
Center for Ethnic Health
EthnoMed
The Stanford
Geriatric Education Center
Interdisciplinary
Community-Based Programs (HRSA)
Culturally Appropriate
Geriatric Care
The Provider’s
Guide to Quality and Culture
HEALTH PROFESSIONS TEACHING INSTITUTIONS
Association of Academic Health Centers (AHC)
Parlay International - Health education
and wellness promotion
The National Consortium on Health Science
and Technology Education
Center
for Health Care Strategies, Inc. (CHCS)
SpringNet - offers an
enormous amount of nursing information
Managing Community
Health Services
MATERNAL AND CHILD HEALTH REFERENCES
AHRQ'S Child Health Toolbox
Maternal and Child Health Bureau
The National Center for Education
in Maternal and Child Health
Achoo
- On-line Healthcare Services
Consumer Product Safety Commission
the Fetal Alcohol and
Drug Unit
Harvard Medical Web
Health
and Medical Informatics Digest
kaisernetwork.org.
The Health Insurance Association of America's "State Legislative The
Health Insurance Association of America's "State Legislative Forecast"
press briefing is now available!
Medical
Spanish--Guidebook for Healthcare Workers
Medscape - features the Web's
largest collection of free full-text, peer-reviewed articles, medical
news, MEDLINE, and interactive quizzes. Updated daily.
National Center for Biotechnology
Information
The New England Journal Online
A Gene Map of the Human
Genome
WebMedLit - a free service that
each night scans the Web for updates to 18 journals
WebPath
- over 1800 images illustrating both gross and microscopic human pathologies
are archived here
RuralPSYCH: A Resource Center
for Rural Behavioral Health
National Rural Health Professions Recruitment
and Retention Network
America's Farmworker's Home
Page
Rural Information Center
Health Service (RICHS)
The National Rural Health Association
SEARCH TOOLS
CliniWeb Search
Government Information Locator
Services (GILS)
Grateful Med - Requires an account,
and an on-line fee is charged.
FedWorld
Health A to Z - catalogued by
medical professionals
MedHunt
Medical Matrix
Medical World Search
The Multimedia Medical
Reference Library
Net Medicine - a searchable,
manually indexed database of medical Web sites
YAHOO'S Metasite for Government
Information
Defense
Women's Health Resource Program
National Women's Health Information
Center (NWHIC)
National Asian Women's Health Organization
The National Centers of Excellence in Women's Health Program
Pfizer/Catalyst on-line
Women's Health
The Women's Health Project
A free New Jersey guide about health coverage for individuals is available by calling 1-800-838-0935. A similar guide for small employer coverage is available by calling 1-800-263-5912. The New Jersey health insurance reform programs in the individual and small employer markets are also described described under the Department of Banking and Insurance Web Page at its www.state.nj.us/dobi Internet address