Family Health Insurance Plans in New Jersey

Health insurance is a primary concern for many families. New Jersey provides a variety of options to address this issue. Finding the right option for your family is based on your family composition, income level and preferences regarding health insurance coverage. You will find a program to meet your situation as a resident of New Jersey.

NJ FamilyCare

• Children and families may be eligible for health insurance coverage through the NJ FamilyCare program provided certain eligibility criteria are met. Coverage includes costs related to physical and mental health. Vision services are included. Dental services are included for children. Eligibility typically requires the family to be without other health insurance coverage. Income and family size are considered to determine eligibility and whether out-of-pocket expenses are required. The maximum monthly premium as of 2010 is $133.00 for family coverage plus copayments ranging from $5.00-$35.00 per service or prescription.

  NJ FamilyCare

  P.O. Box 8367

  Trenton, NJ 08650

  800-701-0710

  njfamilycare.org

NJ FamilyCare Advantage

• Children in families who do not quality for NJ FamilyCare may qualify for health insurance coverage through the NJ FamilyCare Advantage program administered by Horizon NJ Health. Children must be under 19 years old and not have other health insurance coverage. A monthly premium is required and varies based on the number of children being insured. The maximum monthly premium as of 2010 is $432.00 for three or more children in a family plus copayments for some services and prescriptions. Coverage includes costs related to physical health and vision services. Dental services are included for children under 12 years old.

  Horizon NJ Health

  NJ FamilyCare Advantage

  P.O. Box 1330

  Newark, NJ 07101

  800-637-2997

  horizonnjhealth.com

Horizon Blue Cross Blue Shield of New Jersey

• A variety of health insurance options are available based on your family's needs. Managed care programs allow participants to receive physical health services from a selected primary care provider. The primary care provider determines what other services may be needed. Costs are relatively predictable with monthly premiums and predetermined copayments for specific services. Direct access plans provide more flexibility when choosing service providers than managed care. Services are covered through an annual deductible and predetermined or percentage-based copayments. A family dental discount plan is available through the Horizon Centurion Dental program for a base annual fee of $84.00.

  Horizon Healthcare of New Jersey

  P.O. Box 820

  Newark, NJ 07101

  800-355-2583

  horizon-bcbsnj.com