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New Jersey Individual Health Coverage Program Rates


PLEASE NOTE: All rates shown are monthly rates. Each carrier listed has filed its rates with the Department of Banking and Insurance and each carrier has also certified that its rates conform with applicable laws and regulations. The rates listed here may not be the most current rates in effect. Rates may be guaranteed for a specific period of time. Ask the carriers for their current rates and details concerning rate guarantees.


Rates for IHC Plans Effective in 2013
You can purchase existing Standard IHC Plans and Basic & Essential (B&E) Plans, but only if the effective date of the plan will be before January 1, 2014.
Existing Standard Plans (A/50, B, C, D and the HMO plan) provide comprehensive medical coverage including:
1.
Office visits
2.
Hospital care (unlimited)
3.
Prenatal and maternity
4.
Immunizations and well-child
5.
Screenings (mammograms, pap smears, prostate examinations)
6.
X-ray and laboratory
7.
Biologically based mental illness services
8.
Certain non-biologically based mental illness and substance abuse services
9.
Prescription drugs
Use our 2013 calculator to
Calculate Your Monthly Rate for a Standard Plan
or
Use our 2013 chart to
See Monthly Rates (PDF) for ALL Standard Plans
 
B&E Plans do not provide comprehensive benefits like the Standard IHC plans, but instead provide:
1.
90 days/year for hospitalization
2.
$600/year for wellness services
3.
$700/year for office visits for illness or injury
4.
$500/year for out-of-hospital testing
5.
Limited benefits for mental health services, substance abuse treatment and physical therapy.
Use our 2013 calculator to
Calculate Monthly Rate for Basic & Essential Plans
or
Use our 2013 chart to
See Monthly Rates (PDF) for ALL Basic & Essential Plans
For more information, see the
IHC Buyer's Guide - 2013 Edition
 
Rates for IHC Plans Effective in 2014
You can purchase the newly-designed 2014 Standard IHC Plans starting October 1, 2013 for an effective date in 2014.
All Standard Plans provide comprehensive coverage, including:
1.
Office visits
2.
Hospital care, including emergency services
3.
Prenatal, maternity and newborn care
4.
Immunizations and well-child care
5.
Screenings, including mammograms, pap smears and prostate examinations
6.
X-ray and laboratory services
7.
Mental illness and substance abuse services
8.
Various therapy services
9.
Prescription drugs
10.
Pediatric dental and vision services
Use our 2014 calculator to
Find Your Monthly Rate for Plans Effective in 2014
Use our 2014 chart to
See the monthly rates for ALL plans available at selected ages
For more information, see the
IHC Buyer's Guide - 2014 Edition
 
 
More Information
 
NJ Individual Health Coverage Program Carriers

Contact the carriers directly to request an application

Carrier Name/Mailing and Web Addresses Telephone
Aetna Health Inc. and Aetna Life Ins. Co. 1-800-234-8454
3 Independence Way, Princeton NJ 08540 
www.aetna.com
AmeriHealth HMO Inc. and AmeriHealth Ins. Co. 1-866-681-7368
259 Prospect Plains Road, Bldg. M, Cranbury, NJ 08512
www.amerihealth.com
CIGNA HealthCare of NJ 1-866-438-2446
900 Cottage Grove Road, Hartford CT 06152 
www.cigna.com
Health Republic Ins. of New Jersey 1-888-990-5706
One Gateway Center, Suite 2600, Newark, NJ 07102
newjersey.healthrepublic.us
Horizon Blue Cross Blue Shield of NJ and Horizon HealthCare of NJ 1-800-224-1234
Three Penn Plaza East - PP09T, Newark NJ 07105-2200 
www.horizonblue.com
Oxford Health Ins. (NJ), Inc. and Oxford Health Plans (NJ), Inc. 1-800-216-0778
PO Box 7081, Bridgeport CT 06601-7081 
www.oxhp.com
 
Special Coverage Option for Young Adults Under 31 Years Old

Don’t forget! Most young adults may remain on a parent's policy until age 26 as a dependent under Federal law. In addition, New Jersey law (P.L. 2005, c. 375, sometimes called “Chapter 375” or “DU31”) permits many young adults not otherwise qualifying as a dependent under a parent’s employer’s group health benefits plan to be covered as an “over-age” dependent until his or her 31st birthday, if certain eligibility standards are met.  It makes sense to compare all of your options.

More information about coverage options for young adults, and DU31 Continuation in particular is available, or call the Department of Banking and Insurance at 609-292-7272.

If your parent is covered through the State Health Benefits Plan, refer to the Department of Treasury’s Pension & Benefits web pages.

 
New Jersey Federally Qualified Health Centers and Dental Coverage

New Jersey's Federally Qualified Health Centers
  Find a Federally Qualified Health Center in your County

 

Individual Dental Coverage
  International HealthCare Services
1-800-468-0608

 

Horizon Healthcare Dental, Inc
1-800-433-6825
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New Jersey Department of Banking and Insurance