New Jersey Health Insurance

New Jersey Health Insurance Information - Family or Individual

(HMO, PPO, POS or Major Medical Coverage)

Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, New Penn
Insurance Associates can offer affordable HMO, PPO, POS, and Major
Medical Health Insurance policy coverages throughout New Jersey, with a
focus on the northern NJ metro area.

Health insurance plans that allow you the most choices in doctors and
hospitals also tend to cost more than plans that limit choices. Individual
and family health insurance plans that help to manage the care you
receive, such as PPO and POS plans, usually cost you less, but you
must give up some freedom of choice.

Learn more about HMO, PPO, and POS managed health care insurance
policies we offer throughout New Jersey by clicking on a link below or
click on the link for information on Major Medical health insurance.

Click on the link below to fill out a quote request form for a New Jersey
health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or speak with one of our
Health Insurance Agent specialists at 609-466-5300 to discuss the
features.

Click HERE to fill out a

New Jersey Health Insurance

policy quote request form

HMO Health Insurance Policy Features - New Jersey

* Preventive care emphasis

* Primary care physician (PCP) coordinates your total care

* Must get a referral from your PCP to visit a specialist

* Fixed monthly fee

HMO Health Insurance Policy Overview - New Jersey

Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. You choose a primary care physician (PCP) from a list of participating doctors
from where you live in New Jersey. That doctor is used for typical circumstances such as
annual exams and usual health issues. If you need to see a specialist, be hospitalized, or
have lab or X-ray work, your doctor will refer you to a provider or facility within the HMO
system. Your doctor must give authorization for those services to be covered by your HMO.
In other words, you must see HMO approved physicians and use HMO approved facilities or
pay the entire cost of the visit yourself.

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.

You may have to pay some portion of the cost (co-payment) for each office or hospital visit,
such as $20 - $30 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 HMO health maintenance plan.

Click on the link below to fill out a quote request form for a New Jersey HMO health insurance
policy that provides excellent health insurance coverage and services at an affordable cost.
Or speak with one of our Health Insurance Agent specialists at 609-466-5300 to discuss the
features.

PPO Health Insurance Policy Features - New Jersey

* Convenient access to quality health care

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

* Pay for services as they are provided

PPO Health Insurance Policy Overview - New Jersey

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

You may have to pay some portion of the cost (co-payment) for each office or hospital
visit, such as $20 - $30 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.

Click on the link below to fill out a quote request form for a New Jersey family or individual
PPO health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or speak with one of our Health Insurance Agent
specialists at 609-466-5300 to discuss the features.

POS Health Insurance Policy Features - New Jersey

* Preventive care emphasis

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

POS Health Insurance Policy Overview - New Jersey

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you see any
licensed health care professional for anything covered by the insurance. Care you receive
from out-of-plan health care professionals is reimbursed, but you must pay an often times
much higher co-payment or deductible amount. While you may choose to see a physician
outside the network, if you don't receive permission from your (PCP) primary care
physician, you're likely to end up submitting the bills yourself and receiving only a small
reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which you 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.

Click on the link below to fill out a quote request form for a New Jersey family or individual
POS health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or speak with one of our Health Insurance Agent
specialists at 609-466-5300 to discuss the features.

Fee-for-Service or Major Medical Health Insurance Policy

(Family or Individual in New Jersey)

Major medical health insurance provides benefits up to a high limit for most types of medical
expenses incurred, subject to a deductible. Once you meet the deductible, our New Jersey
Major Medical Insurance plans 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 pay 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.

With New Jersey Major Medical Insurance plans you can choose your doctor and any hospital
for your medical services. You or your doctor send the bill to the insurance company, which
pays part of it. Usually, you have a deductible such as $250 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.

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

Click on the link below to fill out a quote request form for a New Jersey family or individual
Fee-for-Service / Major Medical health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or speak with one of our Health
Insurance Agent specialists at 609-466-5300 to discuss the features.

Learn more about the other types of Individual or Family Health Insurance polices we offer in
New Jersey by clicking on a link below!

Major Medical Insurance Policy

HMO Health Insurance Policy

PPO Health Insurance Policy

POS Health Insurance Policy

Learn more about the other types of Individual or Family Health Insurance polices we offer
in New Jersey by clicking on a link below!

Managed Health Care Plans:

PPO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Individual or Family Health Insurance polices we
offer in New Jersey by clicking on a link below!

Managed Health Care Plans:

HMO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Individual or Family Health Insurance polices we offer
in New Jersey by clicking on a link below!

Managed Health Care Plans:

HMO

Fee-for-Service Health Plan:

Major Medical

PPO

Managed Health Care Plans:

HMO

POS

PPO

Click HERE to fill out a

New Jersey Health Insurance

policy quote request form

Click HERE to fill out a

New Jersey Health Insurance

quote request form

Click HERE to fill out a

New Jersey Health Insurance

quote request form

Click HERE to fill out a

New Jersey Health Insurance

quote request form

**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)