First, choose a Carrier: - Select - Aetna AmeriHealth Celtic CIGNA Horizon Oxford

Next, choose how many people you want to cover:

Single (one person)
Adult and child(ren) (one adult plus one or more children)
Two Adults (a married couple, domestic partnership, or civil union couple)
Family (two adults and one or more children)

If covering a child under 19 years old, consider NJ FamilyCare or NJ FamilyCare Advantage.  Also note, an adult child may stay on a parent’s policy until age 26, and may be eligible to remain on a parent’s group coverage until age 31 in New Jersey.  For more information, see the Department of Banking and Insurance’s website or talk to your employer.

Then, choose a product type: - Select - HMO Products PPO Products INDEMNITY Products EPO Products

All of the standard products cover the same health care services and supplies. In HMO and EPO plans, the costs of health care services are covered only when you use a network of health care providers (except in emergencies). PPO plans provide coverage for health care services when you use a network of health care providers and when you use other providers, too, but you pay more of the costs when you use providers who are not in the network. Indemnity plans have no network of health care providers. For more information about plan types and what’s covered, see the IHC Buyer’s Guide.

Now choose an HMO cost-sharing option: - Select - Copayment options Male Deductible&Coinsurance

This refers to how you will share the cost of covered services with the Carrier. You can pay a dollar amount per visit or service (copayments) or a percentage of expenses (coinsurance) until a maximum dollar amount is reached (the total of the deductible + coinsurance + copayment). For more information about cost-sharing arrangements, see the IHC Buyer’s Guide.

Now choose an EPO option: - Select - Plan A/50 50% Male Plan A/50 $30/50%

Plan A/50 50% has a $2500 deductible (for a single person/$5000 for a family) and 50% coinsurance for all services. Plan A/50 $30/50% also has a $2500 deductible ($5000 for a family), but applies a $30 copayment for most physician visits, and 50% coinsurance for other services.

Now choose your copayment option: - Select - $15 Male $30 $50 Male Split Copay

Carriers offering an HMO plan must offer a $30 copayment option. Some Carriers offer other options, including an option for different copayments for regular physician and specialist visits (split copay). Contact each Carrier for more detail about specific plans.

Split Copay Options: - Select - $30/50 Male $50/70

Now choose a PPO coinsurance option: - Select - Plan A/50 Male Plan C (70/30%) Plan D (80/20%)

This refers to what percentage of the cost of covered services you will share with the Carrier after you pay a deductible. For Plan A/50, you and the Carrier each pay 50%; for Plan B, you pay 40%, and the Carrier pays 60%; for Plan C, you pay 30% and the Carrier pays 70%, and for Plan D, you pay 20% and the Carrier pays 80%. For more information about cost-sharing arrangements, see the IHC Buyer’s Guide. Contact each Carrier for more detail about specific plans.

AmeriHealth Plan A/50 Option: - Select - AmeriHealth 70/50% AmeriHealth w/ rider

Contact AmeriHealth for more detail about specific plans.

Now choose a Horizon Plan C Option: - Select - Horizon 80/70% Horizon 100/70%

Contact Horizon for more detail about specific plans.

Now choose an Oxford Plan C Option: - Select - Oxford $15, $1000 Oxford $30, $2500

Contact Oxford for more detail about specific plans.

Now choose an Indemnity coinsurance option: - Select - Plan A/50 (50/50% coinsurance) Plan B (60/40% coinsurance) Plan C (70/30% coinsurance) Plan D (80/20% coinsurance)

Coinsurance refers to the percentage of the cost of covered services you will share with the Carrier after you pay a deductible. For Plan A/50, you and the Carrier each pay 50%; for Plan B, you pay 40%, and the Carrier pays 60%; for Plan C, you pay 30% and the Carrier pays 70%, and for Plan D, you pay 20% and the Carrier pays 80%. For more information about cost-sharing arrangements, see the IHC Buyer’s Guide. Contact each carrier for more detail about specific plans.

Now choose a deductible option: - Select - $1,000 Male $2,500 $5,000 $10,000

A deductible is a dollar amount you pay for covered health care services before the Carrier agrees to pay anything. Note that preventive care services are covered by the Carrier whether or not you have met the deductible requirement. For more information about cost-sharing arrangements, see the IHC Buyer’s Guide. Contact each carrier for more detail about specific plans.

Finally, choose the age range of the oldest person who will be covered under the plan: - Select - Under 25 years old 25 to 29 years old 30 to 34 years old 35 to 39 years old 40 to 44 years old 45 to 49 years old 50 to 54 years old 55 to 59 years old 60 to 64 years old 65 years and older

Carriers may consider age, but not gender or health status, when setting rates; some Carriers do and some carriers don’t. If a Carrier does consider age, then the Carrier may use only the age categories specified in the drop-down list.