NJ Insurance Plans - Mike Sheeran, CFP

New Jersey Health Insurance - Reviews and Recommendations

Review of Amerihealth NJ Individual Health Plans

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Amerihealth NJ Individual Health Plans

This is a quick review on why I think you should consider Amerihealth NJ for your individual health coverage in NJ.

 

 

My top three reasons are:
1) Provider networks – very strong throughout NJ and PA and you can also add nationwide coverage with their Multiplan network partnership
2)Plan options – they have 32 different plans so there is something to fit every budget. If you are looking for the best plans, I would start with them.
3)Customer service: They are great to work with as a broker and as a client. I have used them personally and they are always wonderful to work with for claims issues or anything that comes up.

If you have any questions on these plans or any plans, please contact me anytime at [email protected]

 

Read more about NJ Individual Health Insurance Plans

Amerihealth NJ Individual Health Insurance Plans – Networks

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Amerihealth New Jersey Networks

This is a review of the different plans Amerihealth is selling in NJ. It includes their HMO, EPO and POS plans. This video will also review their networks. Value Network, Regional Preferred and National.
If you have any question on health insurance plans for New Jersey please call or email me any time.

Amerihealth Network Options:

  • Regional Preferred
  • Value : roughly 79% of the Regional Preferred network
  • Regional Preferred with National Access: Includes all of Regional Preferred and National Access through the Multiplan Partnership

Please read more articles on Individual Health Insurance here.

Video Review of Amerihealth NJ Individual Health

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My review of the Amerihealth NJ Individual health insurance plans offered in New Jersey both on and off the healthcare exchange.

 

Amerihealth NJ

In this review I go over the three major reasons why I think Amerihealth NJ is a good choice for your individual health insurance.

  • Networks – they have one of the strongest networks of any of the health insurers in NJ and also provide access to many counties in Pennsylvania. They also give access to Nationwide coverage through their Multiplan partnership.
  • Plan Selection – they have 32 different plan offerings including HMO, EPO and POS plans. They also have a few HSA plan designs if you want to take advantage of low premiums and health savings account options.
  • Customer Service: Both as a broker and a consumer, I have found them to be very responsive and always getting things done when needed.

 

 Review of Amerihealth NJ Individual Health Plans

 

Read more About Individual Health Insurance Here

Review of Horizon Blue cross Blue Shield Individual Health Insurance Plans

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Review of Horizon Blue cross Blue Shield Individual Health Insurance Plans for on and off the HealthCare Exchange

horizon bcbs nj

As of January 1, 2014, Horizon Blue Cross has release 5 brand new plan offerings to New Jersey residents. In my video review i will cover:

  • Brief Summary
  • Network Differences
  • Copays
  • Tier 1 and Tier 2 Difference

If you need a quote, please contact me, or feel free to reach out directly to Horizon BCBS.

 

Plans Available This Year:

Also, please visit my YouTube page for NewJerseyInsurance plans where I will be continually adding new topics for NJ health insurance.

Review of the Horizon Blue Cross Blue Shield Individual Health Insurance Exchange Plans for 2014

Horizon Blue Cross Blue Shield Individual Plan Review

Read more about Horizon Individual Health Plans and NJ IHC.

How to Find the Best Part D Prescription Plan in New Jersey

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Best Part D Prescription Plans in New Jersey

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If you are turning 65 soon, you have undoubtedly been bombarded with ads and marketing materials on Medicare Supplement plans, Medicare Advantage plans and Part D prescription drug plans. You have quite a few options for each of the different plans, so I have put together resources and a video to help with your selection.

There are nearly 30 Part D prescription plans sold in New Jersey and it can be incredibly difficult to find the right plan for you. In fact, the difference from the best plan to the worst can be thousands of dollars from your pocket so it is important to use the resources available to you on Medicare.gov and the NJ State website.

 

In this video on NJ Part D Plans, I will show you:

  • How to find the Part D drug finder on Medicare.gov
  • Enter your information into the site
  • How to save your information for later use. This way you don’t have to enter your prescriptions in every time you visit. You can also help friends and family
  • How to switch from preferred to generic and save money
  • How to use the NJ State Health Insurance Assistance Program to get more information on the plans available

Video on How to find the best Prescription Drug Plan in New Jersey

I used Absecon, 08201 in my search but this works anywhere in NJ and in the United States.

Steps to Find the Part D Plan For You

1) Make a list of all your prescription drugs. If you are unsure of what they are for any reason, ask your pharmacist to print your prescription drug list including the dosage.

2)Navigate to https://www.medicare.gov/find-a-plan/questions/home.aspx

On the Medicare site, you will be able to add your particular prescritpions to their list and check all of the plans formularies. Each insurance company will have a slightly different formualry so this site is extremely helpful in sorting them out.

If you are having trouble with the site, here is a short guide on how to use it. Navigating the Prescription Drug Finder

3)Now that you have run your prescriptions through the Medicare Plan Finder, you should now know the top few companies you should focus your attention on. I recommend visiting each insurance companies website and plan information to see if there are other perks involved with enrolling.

4)If you have made your Part D selection, now it is time to enroll. You can do this by contacting an agent like myself, enroll through the Medicare Site directly or reach out to the prospective  company. If you prefer to contact the company directly, here is a nice list with all the companies offering Part D benefits in New Jersey.

List of Companies offering Part D Benefits in NJ

Additional Resources you may find helpful

1)Medicare and You 2015

2)NJ State Health Insurance Program

3)Information on getting extra help. NJ PAAD and Senior Gold

Low Income Subsidy

PAAD and Senior Gold

Social Security – Information on Extra Help

 

Absecon NJ Part D
NJ Medicare Part D

 

Read about other NJ Part D plans Medicare Supplements Here.