Health Insurance Plans in New Jersey for Individuals, HMO

The amount of New Jersey's gross domestic product dedicated to health care doubled between 1980 and 2007, according to the Democratic Policy Committee of the United States Senate. Further, the share of non-elderly people with employer-based health care decreased almost 3 percent between 2002 and 2007. Such figures underscore the importance of shopping around when looking for health insurance plans in New Jersey for individuals. Specifically, there are a number of HMOs in the state.

Horizon Blue Cross Blue Shield of New Jersey

• Horizon Blue Cross Blue Shield of New Jersey provides HMO coverage for individuals through its Horizon HMO program. This program offers five different plans from which to select according to your health care needs. You can choose your primary-care provider from one of over 10,000 physicians in the State of New Jersey. The five plans vary primarily by co-payment for doctor visits that range from $15 to $50 to see your primary-care physician as of September 2010. The program also allows you to see specialists for a co-pay between $15 and $70. A coinsurance plan is also available.

  Horizon Blue Cross Blue Shield of New Jersey

  3 Penn Plaza, Ste. 1

  Newark, NJ 07105-2248

  800-466-2583

  horizon-bcbsnj.com

Aetna

• Aetna's plan includes coverage for checkups and preventative care, specialty care, hospitalization, surgery and emergency care as well as mental health and substance-abuse programs. The plan does not cover cosmetic surgery, hearing aids, custodial care, travel immunizations or any services not recommended by your primary-care provider. Co-pays for office visits range from $15 to $30 as of September 2010 depending on the level of care you select.

  Aetna Health, Inc.

  6 Quaker Hill Rd

  Allentown, NJ 08501-1923

  609-208-2965

  aetna.com

AmeriHealth

• The AmeriHealth company offers HMO coverage for individuals through its AmeriHealth HMO programs. The program participates in a network of providers in New Jersey, Delaware and Pennsylvania. Members of the plan pay between $15 and $50 for a visit to their primary-care provider as of September 2010. Depending upon your level of coverage you may also be eligible for X-rays and lab diagnostics at no additional fee. Additional benefits include mental health care, substance abuse treatment and a prescription drug plan. While benefits vary depending upon your level of coverage, there is no lifetime maximum on coverage.

  AmeriHealth

  485C U.S. Highway 1 South, Suite 300

  Iselin, NJ 08830-3052

  732-726-6700

  amerihealth.com