Health Insurance in New Jersey

Health insurance for an individual is, as we all know, quite expensive. About 6 months ago, I did some hunting around to try and find health insurance for my self. Here’s what I found. I live in NJ so some of this advice might not be appropriate for you.

I’d get a great break on insurance if I had a company with just other employee (must work at least 25 hrs a week or so)

NJ Blue Cross Blue Shield (the “official” provider for NJ..) is freaking expensive. They wanted to charge me $650/month for moderately good insurance.

The IEEE has a good insurance program. You’ve got to be a member for 2 years before being eligible… Since membership is $100/year and it would save me $150/month in insurance, I immediately joined. I’m still waiting for my membership to mature though.

You want to be in a group. 1 person obviously gets more sick, more often than that same person as long as he’s paired up with someone. Hurumph.

NJ law makes it so that I can’t get cheap but crappy insurance. Instead, I must get good, expensive insurance… well, expensive at the least. This differs from many states. I noted that you can get things like $10,000 deductible insurance in California for $90/month

Don’t be afraid to get phone numbers and call on the phone. I sometimes got more done in a 20 minute phone call than an hour browsing confusing medical insurance websites.

I eventually ended up going with a trusted client’s recommendation. I get my Health insurance from Medical Insurance Claims Inc. of Kinnelon NJ. I pay about $370/month for a good Oxford plan… $30 copays, RX paid 1/2.


Here’s some links I collected. They may or may not be useful or still valid:

http://www.workingtoday.org/resources/insurancebenefits.php
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http://www.workingtoday.org/productsservices/products.php
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http://www.asmeinsurance.com/
I have to be a member for 2 years first.
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ACM.org Association for Computing Machinery. $99/year
– Professional Liability Insurance – about $1800/year
– Major Medical – blue shield of NJ 212-476-1111
– Catastrophe Major Medical Insurance – no
– Disability Income – yes
– Auto – 1-800-524-9400 www.libertymutual.com/lm/acm
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Marsh Affinity Group Services 1-800-503-9230 http://www.seaburychicago.com/cwp.asp?assn=ACM
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IEEE computer society – http://www.computer.org/
$95/year to join IEEE and Computer Society as a professional (partial year)
– Comprehensive HealthCare Insurance – must be in IEEE for 2 years. 1-877-886-0110
– Disability Income – 20 units of $130/month, 90 day waiting period: $216/year
– Professional Liability – through Marsh Affinity Group
– Discount Prescription Plan
– msa plan
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Blue Cross of NJ (crappy insurance)
http://www.horizon-bcbsnj.com/members_rates.asp?urlsection=members
Plan: Plan A/50
Effective Date: 4/2004
Deductible: $10,000.00
50% coinsurance
$5,000 coinsurance cap
Monthly Rate: $242.52
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http://www.nationalbusiness.org/
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Small business something or another http://www.nfib.com (but not in NJ)
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insurance quotes at: http://www.ehealthinsurance.com
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http://www.keystonetosuccess.com/
What the frig is is? Just a discount plan? I was referred to this by http://www.nationalbusiness.org/NBAWEB/Premium3600/NBAcontact.htm
Ah… It’s a pharmacy discount
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Nationwide Health Plans–NFIB Ohio
1-800-551-4312, option 4 < --- Call --------------------------------------------------- update 8-1-05 Good to know: When you get your insurance, use a company that provides a real live human being at your service. When something goes awry and you are battling the insurance provider, it will be good to have an agent that knows all of the loopholes and such. I am right now in the process of getting health insurance in California. It is amazing, I can get very similar insurance in California for $170 that I would've paid $370 for in New Jersey. I am going to opt for a less inclusive $100 per month plan. A 70% discount!

3 Comments

  1. Whenever the state tries to outlaw cheaper alternatives, they assert “no one should have to make do with merely X!”. The result, tho, is that noone is allowed to get X. You either have to pay for 2X, or you get zero.

    Thanks, government!

  2. Thank you for taking the time to share this valuable research with everyone. It saved me some time and research in my own search for affordable health care!

    Thanks and have a great week!

    FN Ashline

  3. Peter Moss says:

    IEEE insurance? I must of missed it. I wonder if it is available for Canadian members.

    Thanks for writing about it.

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