To obtain coverage, we suggest you follow these steps:
||Review this Buyer’s Guide to learn more about individual health coverage in New Jersey, the plans available, and the benefits they provide.
||Review the list of participating carriers and the rate comparison sheets. Then contact the carriers to get more information, or contact a licensed insurance producer (also called an agent or broker), who can help you make an informed decision, at no additional cost to you. (Some carriers do not use insurance producers.)
||Review the carrier’s materials and select the carrier and individual plan that best meets your needs.
||Complate the carrier's application form. All carriers use a standard application form (sometimes called the HINT form) so the application from one carrier should look very much like the application from another carrier.
||Mail your completed application to the carrier. If your coverage will take effect within the next month, you must include the first premium payment with your application. Some carriers may allow you to authorize the carrier to deduct the premium payments from your checking account before the effective date. Check with the carrier you are selecting to find out if this is an available option.
Note that coverage applied for during November as part of an Open Enrollment Period does not take effect until the following January 1, so the payment of the first premium either by check, or pre-authorized checking account deduction, may be delayed until December, even though you are applying in November.
Upon receiving your application and premium payment, your carrier will send you an ID card and a policy or contract that indicates the effective date of your coverage. Your effective date of coverage usually depends on the date your completed application materials and premium payment are received. Be sure to check the enrollment materials for your effective date of coverage. If the ID card is not provided prior to the effective date of coverage, the carrier may suggest that you use a copy of your application as evidence of coverage.
You cannot be covered under two individual plans at the same time. If you currently have individual coverage, you must notify the current carrier within 30 days after the new coverage takes effect that you want to terminate the current coverage. The current coverage will be retroactively terminated as of the day before the new coverage takes effect.
Generally, you cannot be covered under both an individual plan and a group plan. If you are currently covered under a group plan and are applying for an individual plan during the November Open Enrollment Period, that individual coverage takes effect on January 1. You must terminate the current group coverage no later than December 31. See the Group coverage section for information regarding eligibility for group coverage after you already have an individual plan.