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New Jersey Group Health Insurance Information
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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. |
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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. |
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Other small businesses pay a percentage of the total
health insurance premium cost. |
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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. |
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Managed Care vs. Fee-for Service
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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. |
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Learn more about the types of Group Health
Insurance Plans we can offer your New Jersey business by clicking on a link below! |
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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. |
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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. |
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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. |
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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. |
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Fee-for-Service health insurance coverages for employer sponsored employee
benefits in New Jersey typically offer the following: |
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* Employers and employees share premiums
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* Employees have the freedom to choose any provider
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* Insurance company pays the allowable claim
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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. |
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* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
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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. |
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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. |
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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. |
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Managed Care:
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Fee-for-Service:
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PPO Insurance Plan (Group Health Insurance - New Jersey Business)
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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. |
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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. |
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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. |
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* Convenient access to quality medical care for employees
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* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
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Fee-for-Service:
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Managed Care:
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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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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. |
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HMO Insurance Plan (Group Health Insurance - New Jersey Business)
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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. |
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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. |
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* Preventive care emphasis
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* Primary care physician coordinates the total care of the employee
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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. |
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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. |
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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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Managed Care:
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Fee-for-Service:
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Insurance Plan (Group Health Insurance - New Jersey Business)
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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. |
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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. |
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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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Fee-for-Service:
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Managed Care:
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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. |
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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. |
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Managed Care:
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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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Answer a few questions and
we will provide you with a quote by email or phone. Choose the northern New Jersey Personal, Employee Benefit or Commercial insurance coverage you're interested in from above. |
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Business Insurance
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Group Health
Insurance
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Group
Employee Benefits
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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All rights reserved
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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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Your Life Solutions
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