Even though it has become a lot easier to research plans today than it ever used to be in the past – especially since Google (and all other major search engine networks online) make it so effortless to look into different plans from different companies – you still have to make sure that you make no missteps or mistakes before you pick a plan.
Health ins. is going to be one of your largest monthly expenses (even though the Affordable Care Act was supposed to make it a lot cheaper), and it’s going to be one of the most important investments you make in your health and well-being and possibly even the health and well-being of your family.
The process of finding the best NJ health insurance companies to work with can feel a bit like trying to make your way through an active minefield, which is exactly why you want to be completely certain that you are avoiding as many headaches and as many hassles as humanly possible.
Pay close attention to the tips and tricks that we outline for you below and you will be able to avoid most of the biggest mistakes people make all the time when working with carriers.
Ready to dive right in?
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Here we go.
Beware of signing up for COBRA
Even though there is a US government mandate that offers the continuation of COBRA coverage for upwards of 18 months to employees that leave or are fired from their company you may not want to take advantage of this extension every time it is offered.
On the surface this continuation sounds like a great idea – you’ll keep all […]

Short term health policies in New Jersey have become incredibly popular in just the last few years, as they act as a bit of a “last resort” for Americans that aren’t able to take advantage of the Affordable Care Act and its open enrollment timeline.
Thankfully though, it’s become a lot easier to take advantage of everything that short term policies have to offer – provided that you understand exactly what you are getting into when you go down this road.
In order to enroll in this specific coverage level you’re going to have to find a policy at the best possible price. That’s going to require doing a little bit more research and due diligence than most people believe it takes to get their hands on top-level coverage, but hopefully by the time you’re done with all of the inside information we are able to share with you below you don’t have to deal with too much headache or hassle.
Make sure that you qualify for short term policy with New Jersey coverage
It is absolutely mission critical that you establish right off the bat that you are going to be able to qualify for the best short term health insurance in New Jersey companies have to offer.
Because this short term coverage isn’t at all that expensive, and because so many people are looking to take advantage of these policies today because of the Affordable Care Act, the competition is red-hot – and companies do not have to abide by the same minimum essential coverage requirements as outlined by the ACA.
The best way to determine whether or not you’re going to be able to sign up for quality short term coverage is to contact a local hospital or major medical […]

You need to really pay close attention to all of the coverage options provided by health insurance companies in NJ before you sign on the dotted line and agree to any policy whatsoever.
There are so many different little things that you have to focus on, so many little nuances to each policy that you need to be sure are covered, and so many different pieces of fine print you need to go over with a real attention to detail just be sure that you’re getting the coverage that you were promised in the first place from these health insurance companies in NJ.
Without really zeroing in on all of these details and being sure to cover all of your bases when it comes time to sign up you just won’t be able to take advantage of everything that modern medicine has to offer should you need to avail yourself of those services.
To help you avoid many of the big dangers that people face when shopping in New Jersey we’ve been together this quick guide.
By the time you’re done with the information below you’ll know exactly what it takes to sort out all of the different companies in NJ, and you’ll be on your way to getting the kind of top-tier coverage you deserve.
You can’t just purchase health insurance based off of price alone
A lot of people go shopping and only pay attention to one number and one number only – the monthly premium that they are going to have to pay on a regular basis to take advantage of the health insurance that they have been promised.
This is a huge danger that you have to avoid at all costs.
There is so much more to […]

Trying to take advantage of the cheapest coverage in NJ can be a little bit more than a little bit complicated.
Sure, the Affordable Care Act set out to make purchasing a health policy in NJ as effortless as humanly possible, but all it really did was add a line more confusion to an already confusing process and has stopped people from getting the chance to take advantage of the kind of health insurance – inexpensive health insurance – that people deserve.
But there is hope.
When you take steps to avoid some of the most common mistakes people make all the time when shopping in Jersey you aren’t going to have to worry about a lot of the headache or the hassle that plagues millions of people in this state.
We are going to outline some of the most common buying mistakes that you need to be aware of in this quick guide, and we are going to help point you in the right direction so that you avoid all of this frustration.
Don’t just focus on the monthly premium and your deductible
One of – if not THE – biggest mistakes that people make when they set out to purchase a policy is paying attention exclusively to the monthly premium that you are going to be asked to pay and perhaps the doctor ball that you will have to pay out-of-pocket before you get the chance to unlock the coverage that you are owed.
This is a dangerous mistake that you have to avoid at all costs.
You see, a lot of people are tricked into purchasing the cheapest health insurance in NJ with a promise that they won’t have to worry about any surprises later down the […]

Shopping for health insurance is probably not your idea of fun. At the same time, it’s a necessary fact of life that you have to deal with in order to protect your family. If you live in New Jersey, there are ways to find the cheapest health insurance in New Jersey in a way that won’t make your head spin.
What to Do
Before you start searching through plans and policies for the cheapest health insurance in New Jersey, it’s important to take into account what the laws are in your state. You should know what aspects you are responsible for having, and what the penalties are if you don’t obtain them.
Additionally, you need to know the different types of coverage to choose from. These types vary for people that work for themselves, work for businesses and even insurance for people that don’t have a job or for the elderly. Since there are now federal rules requiring everyone to have health insurance, it has made the marketplace more competitive. That means there are many different plans with affordable rates and that you can’t be penalized if you have pre-existing conditions.
In essence, this is a good thing for you, whether you make a lot of money or not. Since you have to get this service, there are many different options out there. For example, if your state has its own marketplace for selling a carrier’s services that is run by the state, it makes it even easier to pick a policy. You can see all the options you may have and look at all the coverage information and details.
You may also be able to obtain a policy from your employer. This simply involves meeting with whoever is in charge of that at your job and reading the paperwork that comes […]

There isn’t anything simple or straightforward about shopping for New Jersey health insurance, no matter what you may have been told (or promised) in the past.
The overwhelming majority of folks in New Jersey have discovered just how challenging this process can be firsthand, and even those that used to have fantastic coverage are discovering that they may not be quite as well taken care of as they used to be – even though they are paying a lot more now than they ever were before.
It is mission critical that you take advantage of everything that the best plans have to offer. At the same time, however, you need to be 100% certain that you aren’t paying a single penny more for top-notch coverage than absolutely necessary.
And that’s where this quick guide comes into play.
We are going to be able to share information with you below that helps you secure the best possible offer available at prices that fit every budget unimaginable. It may take a little bit of extra time, but that extra time is definitely going to be worth it in the short and long term.
You’ll be able to save a boatload of money while at the same time enjoying amazing coverage you simply wouldn’t have had access to otherwise.
Here are some of the major mistakes you need to avoid when shopping for coverage today!
DON’T just do whatever you did last year and hope for the best
A lot of people believe that health coverage in New Jersey (or anywhere else, for that matter) is a “set it and forget it” kind of proposition.
Nothing could be further from the truth.

Finding the best health insurance companies in NJ to work with is nowhere near as simple or as straightforward as it probably could or should be.
Truthfully, it can be a little bit of a nightmare trying to sort through all of the different plans, coverage options, and companies that are all going to promise the moon and the stars as far as results are concerned – without ever really delivering the “goods” so to speak.
At the same time, there are a couple of different things that you can do to dramatically improve your chances of working with the best health insurance companies in NJ. We’ve put together a bunch of tips and tricks to help you do it exactly that and have included them in this quick guide.
Shall we jump right in?
Fantastic!
Let’s get right to it.
Understand EXACTLY what you are getting into before you start searching for coverage options
Even though recent legislation has attempted to transform the way that Americans purchase a policy today, the truth of the matter is that the process isn’t anywhere near simplified or streamlined.
In fact, some have even argued that it is even more challenging today than it ever used to be.
There’s a lot of convolution in the market, there’s a lot of confusion as far as coverage terms are concerned, and at the end of the day people really aren’t quite sure of what they are getting out of their plans – or even what they have to pay for the coverage that they are taking advantage of.
This is […]