Choosing the right health insurance company in New Jersey can be challenging, especially with so many options available. In this article, we will discuss the top health insurance companies in New Jersey, their policies, and the factors to consider when choosing a health insurance company.
Top Health Insurance Companies in New Jersey
Here are the top health insurance companies in New Jersey:
Health Insurance Company |
Plan Types |
Networks |
|---|---|---|
Aetna |
Individual, Family, Group |
Open Choice, Elect Choice, HMO |
Horizon Blue Cross Blue Shield |
Individual, Family, Group |
Horizon Managed Care Network, Horizon PPO Network |
Cigna |
Individual, Family, Group |
Open Access Plus, Open Access, HMO |
Oscar Health |
Individual, Family |
Circle Plus, Circle, Circle Balance |
Each health insurance company has its unique policies and benefits. It is essential to understand these policies and benefits to choose the right health insurance company.
Aetna
Aetna offers individual, family, and group health insurance plans in New Jersey. Aetna’s plans come in various types, including open choice, elect choice, and HMO. The open choice plan allows members to visit any healthcare provider, while the elect choice plan limits members to a network of providers.
Aetna’s HMO plan is available in select counties in New Jersey, and it allows members to choose a primary care physician who manages their healthcare. Members must seek care within the HMO network and receive referrals for specialists.
Aetna’s plans offer preventive care, prescription drug coverage, and access to telemedicine. Members can also enjoy discounts on gym memberships, weight loss programs, and alternative therapies.
Aetna FAQ
How do I find a healthcare provider under Aetna’s plans?
Members can search for healthcare providers on Aetna’s website or call the number on the back of their insurance card to speak with an Aetna representative.
Does Aetna cover mental health services?
Yes, Aetna offers mental health coverage for their members. The coverage includes outpatient and inpatient services, substance abuse treatment, and prescription drug coverage.
Horizon Blue Cross Blue Shield
Horizon Blue Cross Blue Shield offers individual, family, and group health insurance plans in New Jersey. Members can choose between the Horizon Managed Care Network or the Horizon PPO Network.
The Horizon Managed Care Network is an HMO plan that requires members to choose a primary care physician who manages their healthcare. Members must seek care within the HMO network and receive referrals for specialists. The Horizon PPO Network offers members more flexibility with their healthcare providers, but they may pay more for out-of-network care.
Horizon Blue Cross Blue Shield’s plans offer preventive care, prescription drug coverage, and access to telemedicine. Members can also enjoy discounts on gym memberships, weight loss programs, and alternative therapies.
Horizon Blue Cross Blue Shield FAQ
How do I find a healthcare provider under Horizon Blue Cross Blue Shield’s plans?
Members can search for healthcare providers on Horizon Blue Cross Blue Shield’s website or call the number on the back of their insurance card to speak with a representative.
Does Horizon Blue Cross Blue Shield cover maternity care?
Yes, Horizon Blue Cross Blue Shield offers maternity care coverage for their members. The coverage includes prenatal care, delivery, and postnatal care.
Cigna
Cigna offers individual, family, and group health insurance plans in New Jersey. Cigna’s plans come in various types, including open access plus, open access, and HMO.
The open access plus plan allows members to visit any healthcare provider, while the open access plan limits members to a network of providers. Cigna’s HMO plan is available in select counties in New Jersey, and it allows members to choose a primary care physician who manages their healthcare. Members must seek care within the HMO network and receive referrals for specialists.
Cigna’s plans offer preventive care, prescription drug coverage, and access to telemedicine. Members can also enjoy discounts on gym memberships, weight loss programs, and alternative therapies.
Cigna FAQ
Does Cigna cover vision care?
Yes, Cigna offers vision care coverage for their members. The coverage includes eye exams, glasses or contact lenses, and discounts on LASIK surgery.
How do I find a healthcare provider under Cigna’s plans?
Members can search for healthcare providers on Cigna’s website or call the number on the back of their insurance card to speak with a representative.
Oscar Health
Oscar Health offers individual and family health insurance plans in New Jersey. Oscar Health’s plans come in various types, including circle plus, circle, and circle balance.
The circle plus plan offers the highest level of coverage and allows members to visit any healthcare provider. The circle plan limits members to a network of providers, while the circle balance plan balances member costs and flexibility.
Oscar Health’s plans offer preventive care, prescription drug coverage, and access to telemedicine. Members can also earn rewards for healthy behaviors and enjoy discounts on gym memberships and alternative therapies.
Oscar Health FAQ
How do I find a healthcare provider under Oscar Health’s plans?
Members can search for healthcare providers on Oscar Health’s website or call the number on the back of their insurance card to speak with an Oscar Health representative.
Does Oscar Health cover mental health services?
Yes, Oscar Health offers mental health coverage for their members. The coverage includes outpatient and inpatient services, substance abuse treatment, and prescription drug coverage.
Factors to Consider When Choosing a Health Insurance Company
When choosing a health insurance company in New Jersey, consider the following factors:
- Coverage: Look for a health insurance company that covers the services you need, such as preventive care, prescription drugs, and mental health services.
- Cost: Compare the monthly premiums, deductibles, copays, and out-of-pocket costs of different health insurance plans.
- Network: Consider the healthcare providers and hospitals in the health insurance company’s network.
- Customer service: Look for a health insurance company with good customer service and easy-to-use online tools.
- Additional benefits: Some health insurance companies offer additional benefits, such as discounts on gym memberships, weight loss programs, and alternative therapies.
By considering these factors, you can find the right health insurance company for your needs.
Conclusion
Choosing a health insurance company can be overwhelming, but understanding the policies and benefits of each company can make the decision easier. Consider the coverage, cost, network, customer service, and additional benefits when choosing a health insurance company in New Jersey. By doing so, you can ensure that you are getting the best healthcare coverage for you and your family.