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Small Employer Health Benefits Program Rates

PLEASE NOTE:
All rates shown are rates for the purchase of small employer coverage in the state-regulated small employer market. 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.

As of January 2014, the Small Employer Health Benefits Program (SEH Program) defines a small employer as an employer with at least one but not more than 50 employees.  The rules for counting employees are explained in the Eligibility section of the Small Employer Health Benefits Program Buyer’s Guide
 
2015 Rates (for plans issued or renewed effective during the 2nd quarter of 2015)
Use the Calculator to
Or View 2015 Rates by Carrier (PDF)
Small Employer Health Benefits Program - Rates Calculator
SEH Rates - Aetna
SEH Rates - Health Republic
SEH Rates - AmeriHealth
SEH Rates - Horizon
SEH Rates - Cigna
SEH Rates - Oxford

Small Employer Health Benefits Program Buyer's Guide - 2015 Edition
 
More Information
 
SEH Program Health Insurance Carriers

Carrier Name/Web Address Telephone
Aetna Health Inc. and Aetna Life Ins. Co. 1-888-277-1053
www.aetna.com
AmeriHealth HMO Inc. and AmeriHealth Ins. Co. 1-866-681-7368
www.amerihealth.com
Cigna HealthCare of NJ and Cigna Health and Life Ins. Co. 1-800-456-6575
www.cigna.com/brokersandconsultants/cigna-broker-contacts-small-group
Health Republic Ins. of New Jersey 1-888-990-5706
newjersey.healthrepublic.us
Horizon Blue Cross Blue Shield of NJ and Horizon HealthCare of NJ 1-800-224-1234
www.horizonblue.com
Oxford Health Ins. (NJ), Inc. and Oxford Health Plans (NJ), Inc. 1-800-449-8880
www.oxhp.com
 
Small Business Health Options Program (SHOP)/Tax Credits
Please note: The rate information above only applies to the purchase of small employer coverage in the state-regulated small employer market.  For information regarding the federally-regulated Small Business Health Options Program (SHOP) visit www.healthcare.gov.)

For information on small employer tax credits, visit www.healthcare.gov
 
Dental Coverage
Dental coverage is available from a number of carriers.  The carriers listed below have been approved to offer dental coverage to employers in New Jersey.  Be aware that, although a carrier is approved to offer dental plans, the carrier may elect not to offer coverage at this time.  Contact the carriers for more information regarding their available dental plans.*
Carrier For More Information
Aetna Dental, Inc.   Web site
Aetna Life Insurance Company   Web site
Alpha Dental Programs, Inc. (DeltaCare USA, part of Delta Dental) 1-800-624-2633 Web site
Ameritas Life Insurance Corp. 1-800-659-2223 Web site
Cigna Dental Health of New Jersey 1-855-854-1483 Web site
Cigna Health and Life Insurance Company 1-855-854-1483 Web site
Delta Dental of New Jersey, Inc. 1-800-624-2633 Web site
Dentegra Insurance Company   Web site
Flagship Health Systems, Inc. (part of Delta Dental) 1-800-624-2633 Web site
Guardian Life Insurance Company 1-800-541-7846 Web site
Horizon Healthcare Dental, Inc. 1-800-784-6222 Web site
Horizon Healthcare Services, Inc. 1-888-765-7786 Web site
Humana Dental Insurance Company 1-800-232-2006 Web site
Humana Insurance Company 1-888-371-9524 Web site
Managed DentalGuard, Inc. (part of Guardian Life) 1-800-541-7846 Web site
MetLife Health Plans, Inc. 1-855-638-2221 Web site
Metropolitan Life Insurance Company 1-800-638-4863 Web site
Nippon Life Insurance Company of America 1-800-374-1835 Web site
Pan-American Life Insurance Company 1-877-569-3075 Web site
Principal Life Insurance Company 1-800-843-1371 Web site
Reliance Standard Life Insurance Company 1-800-659-2223 Web site
Renaissance Life & Health Insurance Company 1-888-358-9484 Web site
Reserve National Insurance Company 1-800-654-9106 Web site
Standard Insurance Company 1-800-547-9515 or
1-800-659-2223
Web site
The Lincoln National Life Insurance Company 1-800-423-2765 Web site
Union Security Dental Care of New Jersey, Inc. (offering through Assurant Employee Benefits) 1-800-733-7879 Web site
Union Security Insurance Company KC (offering through Assurant Employee Benefits) 1-800-733-7879 Web site
United Concordia Life and Health Insurance Company 1-800-345-3837 Web site

*
You can also find information on certified stand-alone pediatric dental plans by downloading the Plan Attributes Public Use Files (Plan Attributes PUF) for the appropriate year (accessible here). Using filters, you can narrow the information.  In the column labeled “State,” select only NJ; in the column labeled “DentalOnlyPlan,” select yes; and, in the column labeled “QHPNonQHPTypeId,” you can select OnExchange, OffExchange, or Both, depending upon your interest.  In addition, to view only group plans, in the column labeled “Market,” select SHOP.
 
OPRA
OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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