NJ Individual Health Coverage Program Buyer's Guide

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	Individual Health Coverage (IHC)
	IHC Buyer's Guide
		Introduction
		Obtaining Coverage
		Eligibility
		Dependent Eligibility
		Key Features
		Delivery Systems
		Benefits
		Alternatives
		IHC Plans Summary
IHC Buyer's Guide (PDF)

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NJ Individual Health Coverage Program Buyer's Guide

How to Select a Health Plan - 2009 EDITION

Table of Contents


	Introduction
	Obtaining Coverage
	Eligibility
		Residency Group Coverage Medicare
	Dependent Eligibility
		Frequently Asked Questions about Eligibility and Dependent Eligibility
	Key Features of the IHC Program
		Guaranteed Coverage and Guaranteed Renewability Pre-existing Conditions and Portability Rating Frequently Asked Questions About IHC Plan Features and Rates
	Delivery Systems
		Indemnity Plans High Deductible Health Plans for Use with a Health Savings Account (HSA) Managed Care Plans HMO Plans PPO Plans POS Plans EPO Plans Frequently Asked Questions About Delivery Systems
	Benefits
		Indemnity PPO and POS Plans HMO Plans PPO Plans Basic and Essential Health Care Plan (NOT a standard plan) Frequently Asked Questions About Benefits
	Some Alternatives to Individual Health Coverage
		Cobra or State Continuation Continuation of Coverage for Dependents Under 31 NJ FamilyCare NJ FamilyCare Advantage Federally Qualified Health Centers
	Individual Plans Summary



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