New Jersey Group Health Insurance Information
Your Life Solutions has created a strong relationship with some of the finest
insurance carriers serving New Jersey, while maintaining our primary focus
of serving the employer's needs.
Most small businesses offering their employees Group Health insurance
plans contribute towards the cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have the employees pay
the premium if they need coverage for their families.
Other small businesses pay a percentage of the total
health insurance premium cost.
As the cost of health care continues to increase at a
rate much faster than inflation, many large employers
and small businesses in New Jersey choose to have
their employees make a contribution towards the cost
of health insurance coverage.
Managed Care vs. Fee-for Service
The health insurance plan that works best for your
business is determined primarily by your location, the
physicians and hospitals available through the health
insurance plan, options offered by each insurance plan,
and what your budget can accept.
Learn more about the types of Group Health
Insurance Plans we can offer your New Jersey
business by clicking on a link below!
Employee benefits are an important factor to any
business in hiring and retaining a good work force.
We can provide assistance to your benefit
administrator in answering employees questions and
requests pertaining to health insurance for groups of
20 or more. Every New Jersey business needs to
review their employee benefit health insurance plan to
ensure that this major expense continues to offer the
highest quality group health insurance.
Click on the link below to fill out a quote request form for a New Jersey
group health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or speak with our Group Employee Health Insurance
Specialist to discuss the features.
Fee-for-Service (Group Health Insurance - New Jersey Business)
Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and
Customary costs and you're responsible for paying the other 20%, which is known
as co insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the difference.
New Jersey Fee-for-Service group health insurance allows your employee to
choose their doctor and any hospital for their medical services. Usually, an
employee will have a deductible such as $500 or more to pay each year before the
insurer starts paying. The plan will pay for charges such as medical tests and
prescriptions as well as from doctors and hospitals.
Fee-for-Service health insurance coverages for employer sponsored employee
benefits in New Jersey typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your New Jersey business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Fee-for-Service group health insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other
health care providers than managed care health plans, such as HMO, PPO, and
POS. Fee-for-Service employee health insurance may not pay for some
preventive care, such as check-ups, and is usually a more expensive health
insurance coverage than utilizing an HMO, PPO, or POS plan in New Jersey.
Click on the link below to fill out a quote request form for a New Jersey Fee-for-
Service (Major Medical) group health insurance plan that regardless of whether
you're a large employer or a small business, will provide comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or speak with our New Jersey Group Health Insurance Specialist to
discuss the features.
We are your local northern New Jersey insurance agency, offering comprehensive group
health insurance services to businessess in the following cities and counties: Succasunna,
Boonton, Boonton Township, Brookside, Budd Lake, Butler, Cedar Knolls, Chatham,
Chester, Convent Station, Denville, Dover, Dover Annex, East Hanover, Fayson Lakes,
Flanders, Florham Park, Gillette, Green Village, Greystone Park, Hibernia, High Crest,
Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake Hopatcong, Lake Intervale, Landing,
Ledgewood, Lincoln Park, Lindy Lake, Long Valley, Lower Montville, Lyonsville, Madison,
Mendham, Meriden, Millington, Mine Hill, Montville, Montville Township, Morris Plains,
Morristown, Mount Arlington, Mount Freedom, Mount Olive, Mount Tabor, Mountain Lakes,
Netcong, New Vernon, Parsippany, Pequannock, Pequannock Township, Picatinny
Arsenal, Pine Brook, Pinebrook, Pompton Junction, Pompton Plains, Powerville, Ralston,
Randolph, Riverdale, Rockaway, Rockaway Valley, Schooleys Mountain, Stirling, Tabor,
Taylortown, Towaco, Troy Hills, Wharton, Whippany, Stanhope, Hopatcong, Espanong,
Hurdtown, Cranberry Lake, Andover, Greendell, Woodport, Springdale, Oak Ridge, Milton,
Sparta, Lake Lenape, Newton, Ogdensburg, Saxton Falls, Johnsonburg, Allamuchy,
Vienna, Hackettstown, Beattystown, Marksboro, Hope, Townsbury, Washington, Newark,
Elizabeth, Rahway, Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth
Amboy, Fords, South Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green
Brook, Fanwood, North Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn,
Springfield, Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex,
Martinsville, Piscataway, Edison, New Brunswick, Highland Park, Somerset, Milltown,
South River, Bound Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia,
Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota,
Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack,
Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood
Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic,
Clifton, Paterson, Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar
Grove, Verona, Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley,
Kingsland, North Arlington, Kearney, Harrison, East Orange, East Newark, Orange,
Irvington, South Orange, Hillside, Townley, Livingston, Wayne, Morris County, Sussex
County, Somerset County, Pasaic County, Bergen County, Hunterdon County, Union
County, and Warren County, NJ. We also offer group health insurance services throughout
the state of New Jersey, including the greater New York City area.
Managed Care:
Fee-for-Service:
PPO Insurance Plan (Group Health Insurance - New Jersey Business)

A PPO group health insurance plan is recommended for a New Jersey business
desiring to offer their employees convenient access to quality medical care with
effective medical management, a large and diverse network of primary care
physicians, medical specialists, hospitals and clinics.
An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other
services as required in an HMO. An employee can see doctors or specialists
outside your PPO network, however, your employees portion of the costs will be
higher.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a New Jersey PPO
health insurance plan.
PPO Plan Features (Group Health Insurance - New Jersey Business)

* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
Learn more about the other types of Group Health Insurance we can offer your
New Jersey business by clicking on a link below!
Click on the link below to fill out a quote request form for a New Jersey group
PPO health insurance plan that regardless of whether you're a large employer or
a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or speak with our New
Jersey Group Health Insurance Specialist to discuss the features.
HMO Insurance Plan (Group Health Insurance - New Jersey Business)

An HMO group health insurance plan helps your New Jersey business control
health care costs through a closely managed plan with an emphasis on
preventive care. Each employee selects a Primary Care Physician from a
network of providers. The Primary Care Physician can coordinate the total care
of the employee to help ensure appropriate care is received. An employee may
also seek care from any provider in the network without a Primary Care
Physician referral, subject to a higher out-of-pocket expense.
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list
of participating doctors. That doctor is used for typical circumstances such as
annual exams and usual health issues. If the employee needs to see a specialist,
be hospitalized, or have lab or X ray work, their doctor will refer them to a
provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved facilities
or pay the entire cost of the visit themselves.

HMO Plan Features (Group Health Insurance - New Jersey Business)
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health
and chemical dependency services, may carry additional costs in a New Jersey
HMO health maintenance plan.
Learn more about the other types of Group Health Insurance we can offer your
New Jersey business by clicking on a link below!
Managed Care:
Fee-for-Service:
POS Plan Features (Group Health Insurance - New Jersey Business)
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Group Health Insurance - New Jersey Business)

A POS or Point-of-Service group health insurance plan allows your New Jersey
employees the option of accessing any medical provider without a primary care
physician referral and receive the highest benefit level. Similar to an HMO, a POS
stresses preventive care and offers closely managed benefits. A POS health
insurance plan also pays benefits for out-of-network care, but at a lower level than
for in-network care.
Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the
policy. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a New Jersey POS health
insurance plan.

Learn more about the other types of Group Health Insurance we can offer your
New Jersey business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a quote request form for a New Jersey group
HMO health insurance plan that regardless of whether you're a large employer or
a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or speak with our New
Jersey Group Health Insurance Specialist to discuss the features.
Click on the link below to fill out a quote request form for a New Jersey group POS
health insurance plan that regardless of whether you're a large employer or a small
business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or speak with our New Jersey
Group Health Insurance Specialist to discuss the features.
Managed Care:
Learn more about the other types of Group Health Insurance we can offer your
New Jersey business by clicking on a link below!
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Also, self funding the Prescription Drug portion of the
Group Health Plan can potentially result in substantial
health insurance cost savings. Contact us for
information and to setup a self funded prescription
drug plan.
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