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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 2014
You can purchase the newly-designed 2014 Standard IHC Plans through December 2014 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
or
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
 
Rates for IHC Plans Effective in 2015
You can purchase the newly-designed 2015 Standard IHC Plans starting November 15, 2014 for an effective date in 2015.
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 2015 calculator to
Find Your Monthly Rate for Plans Effective in 2015
Use our 2015 chart to
See the monthly rates for ALL plans available at selected ages
For more information, see the
IHC Buyer's Guide - 2015 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
570 Broad St., Suite 1100, 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
Oscar Insurance Corporation of NJ 1-855-OSCAR-88
295 Lafayette St. 6th floor, New York NY 10012
www.hioscar.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

Dental insurance is available from several carriers.  The carriers listed below have been approved to offer dental coverage to individuals in New Jersey.  Be aware that:

  • Dental services for children are considered “essential health benefits” under federal law, and may be covered already in a Qualified Health Plan (see the list of Qualified Health Plans above).
  • A carrier’s dental plans offered outside of the Marketplace may include coverage for children’s dental services, but might not cover all of the children’s dental services required for coverage offered inside the Marketplace.
  • Even though a carrier is approved to offer dental plans, the carrier may not actually be offering dental plans at this time. 
Carrier For More Information
American Family Life Assurance Company of Columbus (AFLAC) 1-800-992-3522 Web site
Ameritas Life Insurance 1-800-776-9446

Web site

Cigna Health & Life Insurance 1-800-753-5190  
Delta Dental** 1-800-452-9310 or 
1-855-335-8275
Web site
Dentegra Insurance** 1-800-471-0284 or
1-800-503-4161
Web site
Golden Rule Insurance/UnitedHealthOne 1-800-444-8990 Web site
HealthPlex/International Healthcare Services, Inc. 1-800-468-0608 Web site
Horizon Healthcare Services*** 1-888-765-7786 Web site
Renaissance Life & Health Insurance Company** 1-888-791-5995 Web site
Security Life Insurance Company 1-855-728-7542 Web site
Time Insurance Company/Assurant 1-800-394-4296 Web site
*Some companies also offer their coverage through traditional agents/brokers, and through web-brokers, such as ehealthinsurance.com.

**These companies offer coverage inside and outside of the Marketplace.  For information about coverage through the Marketplace, go to www.healthcare.gov.

***You can visit Horizon at its store at the East Gate Shopping Center, just off Rte. 38 (1680 Nixon Dr.), by the Moorestown Mall in Moorestown, NJ.

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New Jersey Department of Banking and Insurance