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Morgan Moran - Mount Holly * New Jersey Health Insurance (800) 554-9142
New Jersey News & Comment - Did you know the the New Jersey Legislature created two programs to guarantee access to health coverage for individuals and small employers, regardless of health status, age, claims history, or any other risk factor. We can help you with information about the New Jersey State Health Benefits Program.
The Individual Health Coverage Program ("IHC") and the Small Employer Health Benefits Program ("SEH") have reformed the individual and small employer (employers with 2-50 employees) health insurance markets.
The IHC Program has been fully operational, as a standardized, open-enrolled, community rated market, since August 1, 1993. Individual coverage is available to anyone who is a resident of New Jersey and does not have access to employer-based group insurance or Medicare.
The SEH Program went into effect on January 1, 1994, with the sale of standardized, open-enrolled, modified community rated plans. Small employers (those with 2-50 full-time employees) may choose to purchase standardized health benefits plans, offered by all carriers, or, under certain conditions, they may purchase or renew pre-reform ("non-standard") plans.
The IHC Board designs standard health benefits plans for carriers to offer. One of the standard plans primarily addresses hospital expenses, while the others provide coverage for a more comprehensive set of health care services.
With the exception of the B&E Plan (which is not a standard health benefits plan designed by the Board), carriers may only offer standard health benefits plans to individual New Jersey residents.
Small employers may purchase standard health benefits plans and may renew or purchase pre-reform plans under certain conditions.
Carriers must offer standard health benefits plans on a guaranteed issue/guaranteed renewal basis, which means that an eligible person or small employer can never be denied coverage or renewal for reasons related to health status or claims history of an individual or any person in a group.
Health Insurance Advice: 'Discount health insurance?'
How good are these plans? Medical discount plans are not health insurance but are often misleading in their advertisements and are commonly mistaken as real health insurance plans.
Discount plans are supposed to pass along to the member, the same savings that insurance companies realize through a network. In other words, discount plans entitle their members to the pre-negotiated rates. Since the discount company is not an insurance company, the providers do not have to honor the pre-negotiated rates. Most discount card companies are part of multi-marketing programs and provide misleading information to their members.
How do I differentiate a discount plan from real insurance? The best way to differentiate between the two is to simply ask the salesperson if the plan is actually health insurance. Another way to know is if the salesperson guarantees your approval and your monthly cost (often ending in .99). Health insurance is not guaranteed so if you are guaranteed approval then you know you are dealing with a discount plan.
Morgan Moran - Mount Holly * New Jersey Health Insurance (800) 554-9142
New Jersey News & Comment - Did you know the the New Jersey Legislature created two programs to guarantee access to health coverage for individuals and small employers, regardless of health status, age, claims history, or any other risk factor. We can help you with information about the New Jersey State Health Benefits Program.
The Individual Health Coverage Program ("IHC") and the Small Employer Health Benefits Program ("SEH") have reformed the individual and small employer (employers with 2-50 employees) health insurance markets.
The IHC Program has been fully operational, as a standardized, open-enrolled, community rated market, since August 1, 1993. Individual coverage is available to anyone who is a resident of New Jersey and does not have access to employer-based group insurance or Medicare.
The SEH Program went into effect on January 1, 1994, with the sale of standardized, open-enrolled, modified community rated plans. Small employers (those with 2-50 full-time employees) may choose to purchase standardized health benefits plans, offered by all carriers, or, under certain conditions, they may purchase or renew pre-reform ("non-standard") plans.
The IHC Board designs standard health benefits plans for carriers to offer. One of the standard plans primarily addresses hospital expenses, while the others provide coverage for a more comprehensive set of health care services.
With the exception of the B&E Plan (which is not a standard health benefits plan designed by the Board), carriers may only offer standard health benefits plans to individual New Jersey residents.
Small employers may purchase standard health benefits plans and may renew or purchase pre-reform plans under certain conditions.
Carriers must offer standard health benefits plans on a guaranteed issue/guaranteed renewal basis, which means that an eligible person or small employer can never be denied coverage or renewal for reasons related to health status or claims history of an individual or any person in a group.
Health Insurance Advice: 'Discount health insurance?'
How good are these plans? Medical discount plans are not health insurance but are often misleading in their advertisements and are commonly mistaken as real health insurance plans.
Discount plans are supposed to pass along to the member, the same savings that insurance companies realize through a network. In other words, discount plans entitle their members to the pre-negotiated rates. Since the discount company is not an insurance company, the providers do not have to honor the pre-negotiated rates. Most discount card companies are part of multi-marketing programs and provide misleading information to their members.
How do I differentiate a discount plan from real insurance? The best way to differentiate between the two is to simply ask the salesperson if the plan is actually health insurance. Another way to know is if the salesperson guarantees your approval and your monthly cost (often ending in .99). Health insurance is not guaranteed so if you are guaranteed approval then you know you are dealing with a discount plan.
