Group Health Insurance New Jersey

New Jersey Group Health Insurance

New Penn Insurance Associates has created a strong relationship with
some of the finest insurance carriers serving New Jersey, while
maintaining our primary focus of serving the employer's needs.

Most small businesses offering their employees Group Health insurance
plans contribute towards the cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have the employees pay
the premium if they need coverage for their families. Other small
businesses pay a percentage of the total health insurance premium cost.

As the cost of health care continues to increase at a rate much faster
than inflation, many large employers and small businesses in New Jersey
choose to have their employees make a contribution towards the cost of
health insurance coverage.

Managed Care vs. Fee-for Service

The health insurance plan that works best for your business is
determined primarily by your location, the physicians and hospitals
available through the health insurance plan, options offered by each
insurance plan, and what your budget can accept.

Learn more about the types of Group Health Insurance Plans we
can offer your New Jersey business by clicking on a link below!

Employee benefits are an important factor to any business in hiring and
retaining a good work force. We can provide assistance to your benefit
administrator in answering employees questions and requests
pertaining to health insurance for groups of 20 or more. Every New
Jersey business needs to review their employee benefit health
insurance plan to ensure that this major expense continues to offer the
highest quality group health insurance.

Click on the link below to fill out a quote request form for a New Jersey
group health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or speak with our Group Employee Health Insurance
specialist at 609-466-5300 to discuss the features.

Click here to fill out a

Group Health Insurance

quote request form for

your New Jersey business

Fee-for-Service (Group Health Insurance - New Jersey Business)

Fee-for-Service or major medical group health insurance provides benefits up to a high limit for
most types of medical expenses incurred, subject to a deductible. Once the deductible is met,
this type of group health insurance plan will pay a percentage of what is considered the "Usual
and Customary" charge for covered services. The insurance company generally pays 80% of
the Usual and Customary costs and you're responsible for paying the other 20%, which is
known as co insurance. If the insurance company charges more than the Usual and Customary
rates, you will need to pay both the co-insurance and the difference.

New Jersey Fee-for-Service group health insurance allows your employee to choose their doctor
and any hospital for their medical services. Usually, an employee will have a deductible such as
$500 or more to pay each year before the insurer starts paying. The plan will pay for charges such
as medical tests and prescriptions as well as from doctors and hospitals.

Fee-for-Service health insurance coverages for employer sponsored employee benefits in New
Jersey typically offer the following:

* Employers and employees share premiums

* Employees have the freedom to choose any provider

* Insurance company pays the allowable claim

Fee-for-Service plans also offer some Managed Care type of insurance options that can assist
your New Jersey business in reducing employee benefit costs.

* Case Management

* Second Surgical Opinion

* Pre-admission Certification

* Special Benefit Networks

Fee-for-Service group health insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than
managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health
insurance may not pay for some preventive care, such as check-ups, and is usually a more
expensive health insurance coverage than utilizing an HMO, PPO, or POS plan in New Jersey.

Click on the link below to fill out a quote request form for a New Jersey Fee-for-Service (Major
Medical) group health insurance plan that regardless of whether you're a large employer or a
small business, will provide comprehensive health insurance coverage for your businesses
most important asset...your employees. Or speak with our New Jersey Group Health Insurance
specialist at 609-466-5300 to discuss the features.

Click here to fill out a

Group Health Insurance

quote request form for

your New Jersey business

Managed Care:

Fee-for-Service:

HMO

PPO

Major Medical

POS

PPO Insurance Plan (Group Health Insurance - New Jersey Business)

A PPO group health insurance plan is recommended for a New Jersey business desiring to offer
their employees convenient access to quality medical care with effective medical management, a
large and diverse network of primary care physicians, medical specialists, hospitals and clinics.

An employee can see any health care professional in the network any time they choose to make
an appointment. They don't need referrals for specialists or other services as required in an HMO.
An employee can see doctors or specialists outside your PPO network, however, your employees
portion of the costs will be higher.

An employee may have to pay some portion of the cost (co-payment) for each office or hospital
visit, such as $20 per doctor visit, regardless of what the services cost. Also, some services such
as emergency room, mental health and chemical dependency services, may carry additional
costs in a New Jersey PPO health insurance plan.

PPO Plan Features (Group Health Insurance - New Jersey Business)

* Convenient access to quality medical care for employees

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

Fee-for-Service:

Managed Care:

HMO

POS

Learn more about the other types of Group Health Insurance we can offer your New Jersey
business by clicking on a link below!

Major Medical

Click on the link below to fill out a quote request form for a New Jersey group PPO health insurance
plan that regardless of whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important asset...your
employees. Or speak with our New Jersey Group Health Insurance specialist at 609-466-5300 to
discuss the features.

Click here to fill out a

Group Health Insurance

quote request form for

your New Jersey business

HMO Insurance Plan (Group Health Insurance - New Jersey Business)

An HMO group health insurance plan helps your New Jersey business control health care costs
through a closely managed plan with an emphasis on preventive care. Each employee selects a
Primary Care Physician from a network of providers. The Primary Care Physician can coordinate
the total care of the employee to help ensure appropriate care is received. An employee may also
seek care from any provider in the network without a Primary Care Physician referral, subject to a
higher out-of-pocket expense.

Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. An employee chooses a primary care physician from a list of participating doctors. That
doctor is used for typical circumstances such as annual exams and usual health issues. If the
employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will
refer them to a provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an employee must
see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit
themselves.

HMO Plan Features (Group Health Insurance - New Jersey Business)

* Preventive care emphasis

* Primary care physician coordinates the total care of the employee

Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for lower fees with
a network of health care providers and give their policyholders a financial incentive to stay within
that network.

Learn more about the other types of Group Health Insurance we can offer your New Jersey business
by clicking on a link below!

Managed Care:

POS

Fee-for-Service:

Major Medical

PPO

Click here to fill out a

Group Health Insurance

quote request form for

your New Jersey business

POS Plan Features (Group Health Insurance - New Jersey Business)

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Insurance Plan (Group Health Insurance - New Jersey Business)

A POS or Point-of-Service group health insurance plan allows your New Jersey employees the option
of accessing any medical provider without a primary care physician referral and receive the highest
benefit level. Similar to an HMO, a POS stresses preventive care and offers closely managed
benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a lower level
than for in-network care.

Costs that exceed the deductible are covered by a co-insurance plan in which your employee and the
insurance company share the cost for services covered by the policy. Also, some services such as
emergency room, mental health and chemical dependency services, may carry additional costs in a
New Jersey POS health insurance plan.

Learn more about the other types of Group Health Insurance we can offer your New Jersey business
by clicking on a link below!

Fee-for-Service:

Managed Care:

HMO

Major Medical

PPO

Click on the link below to fill out a quote request form for a New Jersey group HMO health insurance
plan that regardless of whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important asset...your
employees. Or speak with our New Jersey Group Health Insurance specialist at 609-466-5300 to
discuss the features.

Click on the link below to fill out a quote request form for a New Jersey group POS health insurance
plan that regardless of whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important asset...your
employees. Or speak with our New Jersey Group Health Insurance specialist at 609-466-5300 to
discuss the features.

Click here to fill out a

Group Health Insurance

quote request form for

your New Jersey business

Managed Care:

HMO

POS

PPO

Learn more about the other types of NJ Group Health Insurance we can offer your business by
clicking on a link below!

**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

(also Pennsylvania)