Health Insurance

During these tough economic times, many people are facing layoffs. Of those fortunate individuals who are able to retain their jobs, many are being told by their employers that they will either be eliminating or reducing health care benefits. Consequently, many people are searching for good quality, affordable New Jersey health insurance. And where are thousands of people getting the information they need? At insuranceUSA.com! The site to turn to for reliable health insurance quotes. Simply put, health insurance is an insurance which pays for medical expenses, whether routine or emergency care. Many states have now expanded coverage to include all important disability and long-term care benefits.

In this article, you will find helpful information regarding all the regulations surrounding New Jersey health insurance. This detailed information is useful whether you are searching for individual or small group coverage. It also includes the basic facts concerning COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The majority of users of COBRA insurance are those people who have lost their primary means of health insurance, usually through the loss of employment. COBRA coverage gives them the right to continue group health insurance benefits, but for a limited time and also most often at their own expense.

You will also be provided with some convenient statistics which will allow you to compare the health of people living in New Jersey with the health of residents who live in other states.

This article will provide you with all the information needed about New Jersey health insurance and allow you to make a knowledgeable and well-informed decision concerning your health insurance needs. Once you have read and learned what is available to you and selected your options, insuranceUSA.com will be ready to furnish you with quotes for the exact type of personalized health insurance plan you have chosen.

New Jersey Individual and Family Health Insurance
Individual and family health insurance plans in New Jersey are not a guaranteed issue, but rather are medically underwritten. This means that New Jersey health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. New Jersey health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. New Jersey health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.

New Jersey Group Health Insurance
New Jersey health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer New Jersey health insurance to all of their employees, however. Part-time employees and those who live outside of the insurance company’s service area may not qualify for the group plan. Under New Jersey health insurance regulations, all employees who are eligible for coverage under a group plan will be covered, no matter what their current state of health. Group insurance plans may impose restrictions on pre-existing conditions that were treated within the six months prior to coverage beginning. In that case, there are certain kinds of insurance plans that will provide medical coverage for pre-existing conditions that are not included in the group plan. Employers, and not the insurance companies, can require a waiting period before coverage begins for New Jersey health insurance plans. These waiting periods vary in length.

New Jersey COBRA Insurance
New Jersey health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your New Jersey health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all New Jersey health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional New Jersey health insurance is available through the New Jersey Comprehensive Health Insurance Association (ACHIA).

New Jersey Health Information and Statistics
If you are in the market for quality New Jersey health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how New Jersey ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in New Jersey are a low percentage of children in poverty, a low infant mortality rate, and a high rate of high school graduation. New Jersey also faces many challenges, such as a high incidence of infectious disease, a high rate of uninsured population, and a high rate of preventable hospitalizations.

According to a 2008 study, New Jersey had some significant changes over the past year, including an increase in the amount of per capita health funding of 13% and a decline in the percentage of children living in poverty of 14%. Since 1990, the prevalence of obesity increased by 143% and the rate of uninsured population also increased by 77%.

Following is a variety of statistical data related to living in New Jersey, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing New Jersey health insurance.

  • Prevalence of Smoking-10th
  • Prevalence of Obesity-10th
  • Violent Crime-22nd
  • Children in Poverty-3rd
  • Air Pollution-30th
  • Cancer Deaths-26th
  • Lack of Health Insurance-33rd
  • Prevalence of Binge Drinking-15th
  • Infant Mortality-2nd
  • Infectious Disease-42nd
  • Premature Death-13th

Overall Rank: 18
Change: +3