New Jersey Health Insurance

The mountain air, the ocean breeze, the manufacturing plants, and the highway exhaust can all create quite the confusion for New Jersey residents on how to view their health. One thing among the state’s varying climates that can’t be overstated is the need for a good health insurance plan to protect one’s family and own well being. The Simple Dollar has put together a number of resources and useful information for readers to understand how health insurance works in New Jersey and how to make the most of their health coverage.

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Stats in Your State

In case you were wondering how your health insurance premiums stack up to your neighbors and to the rest of the country, you’ve come to the right place. We’ve also compiled information on children enrolled in government health care and those who are going without to better illustrate the state of health insurance for New Jersey residents.

Chip Medicaid

Between 2009 and 2010, enrollment of New Jersey children in government-administered health plans increased from just under 750,000 to over 800,000. The majority of New Jersey children in such programs are enrolled in Medicaid, with roughly 200,000 enrolled in New Jersey’s CHIP program.

Individual Health Insurance Premiums

Health insurance premiums for single-payer employer-based plans in New Jersey in 2011 were a full $119 higher per month than the national average, and well above most of the neighboring states. A significant portion of manufacturing and shipping jobs contribute to New Jersey’s higher-than-average premium costs.

Family Health Insurance Premiums

Despite the high costs for individual plans, family health insurance plans in New Jersey are among the lowest in the Northeast region and were roughly $250 below the national monthly average in 2011. Of course, most employers foot the majority of such premiums for these health plans, with the employee taking care of a portion of the premium.

SAHIE Health Insurance Uninsured

The number of uninsured residents in New Jersey has fluctuated between 2005 and 2010 between 1.3 million and just over 1 million. The sheer numbers of residents without health coverage underlines the need for comprehensive reform and affordable health care in New Jersey.

Rules in Your State

The New Jersey state legislature has passed numerous regulations and laws mandating equitable insurance underwriting. The links below direct to various statutes as well as resources to learn more about the health care rules for New Jersey.

Insurance Division: Legislative and Regulatory Affairs

The Insurance Division provides a basic overview of the legal codes corresponding to insurance, and has numerous links to state archives of legislation. The links below are important when it comes to the relationship between insurers and consumers.

New Jersey Permanent Statutes

The New Jersey Permanent Statutes cover a lot of ground between business regulation and general provisions for state agencies. Title 17 covers insurance in all its forms.

Understanding Alcohol & Your Health Insurance in New Jersey

While the state’s regulations require health plans to cover treatment for alcohol-related disorders, the state’s insurers are allowed to deny benefits for treatment of injuries if an accident occurred due to intoxication. The contradiction here is common in many states, and presents a sometimes difficult duality for residents seeking treatment for their health issues related to alcoholism.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
New Jersey law specifically permits insurers to deny benefits for losses arising from alcohol or intoxication.
Health plans in New Jersey must cover treatment for alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
New Jersey health insurance plans may NOT charge higher deductibles, higher premiums, and may impose restrictive limits on lifetime treatment for treatment of alcohol-related disorders.

Representatives & Resources in Your State

To seek assistance on an issue or just to learn more about how health insurance works in New Jersey, you can find answers to most any question at the resources below. The Insurance Division and Department of Human Services provide a number of consumer-friendly services to New Jersey residents.

New Jersey Department of Banking & Insurance: Insurance Division
NJ Department of Banking and Insurance
20 West State Street
Trenton, NJ 08625
Get Directions
Contact Information
Consumer Protection Services
Health Insurance Information
The Insurance Division provides a good source of information on health insurance and different types of coverage available in New Jersey.
Health Insurance Programs
The New Jersey legislature has created programs to make health insurance programs accessible and affordable to individuals and small businesses.

New Jersey Department of Human Services
Capital Place One
222 South Warren Street
Trenton, NJ 08625-0700
Get Directions
Contact Information
The Department of Human Services provides services for children, disabled citizens, seniors, low income families, families facing catastrophic medical bills for their children, and other portions of the population who may have difficulty getting the services or assistance they need.

NJ Family Care: New Jersey Children’s Health Insurance Program (CHIP)
NJ FamilyCare
P.O. Box 8367
Trenton, N.J. 08650-8367
New Jersey’s CHIP organization offers affordable health care options to children of low-income New Jersey families.