New Jersey Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, Your Life
Solutions can offer affordable HMO, PPO, POS, and Major Medical Health
Insurance policy coverages throughout New Jersey, with a focus on the
northern NJ metro area.
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than
plans that limit choices. Individual and family health
insurance plans that help to manage the care you
receive, such as PPO and POS plans, usually cost you
less, but you must give up some freedom of choice.
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
New Jersey by clicking on a link below or click on the
link for information on Major Medical health insurance.
Click on the link below to fill out a quote request form
for a New Jersey health insurance policy that provides
excellent health insurance coverage and services at
an affordable cost. Or speak with one of our Health
Insurance Agent Specialists to discuss the features.
We are your local northern New Jersey insurance agency, offering affordable health
insurance policy premiums to residents 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 health insurance services throughout the state of New Jersey, including the
greater New York City area.
HMO Health Insurance Policy Features - New Jersey

* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - New Jersey

Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of
participating doctors from where you live in New Jersey. That doctor is used for
typical circumstances such as annual exams and usual health issues. If you need
to see a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer
you to a provider or facility within the HMO system. Your doctor must give
authorization for those services to be covered by your HMO. In other words, you
must see HMO approved physicians and use HMO approved facilities or pay the
entire cost of the visit yourself.

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.

You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 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.
Click on the link below to fill out a quote request form for a New Jersey HMO health
insurance policy that provides excellent health insurance coverage and services at
an affordable cost. Or speak with one of our Health Insurance Agent Specialists to
discuss the features.
PPO Health Insurance Policy Features - New Jersey
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - New Jersey
You can see any health care professional in the network any time you choose to
make an appointment. You don't need referrals for specialists or other services as
you do in an HMO. You can see doctors or specialists outside your PPO network,
however, your portion of the costs will be higher.

You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 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.
Click on the link below to fill out a quote request form for a New Jersey family or
individual PPO health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or speak with one of our Health
Insurance Agent Specialists to discuss the features.
POS Health Insurance Policy Features - New Jersey
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - New Jersey

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't receive
permission from your (PCP) primary care physician, you're likely to end up
submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you 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.
Click on the link below to fill out a quote request form for a New Jersey family or
individual POS health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or speak with one of our Health
Insurance Agent Specialists to discuss the features.
Fee-for-Service or Major Medical Health Insurance Policy
(Family or Individual in New Jersey)
Major medical health insurance provides benefits up to a high limit for most types
of medical expenses incurred, subject to a deductible. Once you meet the
deductible, our New Jersey Major Medical Insurance plans 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 pay 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.
With New Jersey Major Medical Insurance plans you can choose your doctor and
any hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible such as
$250 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.
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care
providers than managed care plans, such as HMO, PPO, and POS. New Jersey
Major Medical Insurance may not pay for some preventive care, such as check-ups,
and is usually a more expensive health insurance coverage than utilizing a New
Jersey HMO, PPO, or POS plan.
Click on the link below to fill out a quote request form for a New Jersey family or
individual Fee-for-Service / Major Medical health insurance policy that provides
excellent health insurance coverage and services at an affordable cost. Or speak
with one of our Health Insurance Agent Specialists to discuss the features.
Learn more about the other types of Individual or Family Health Insurance polices
we offer in New Jersey by clicking on a link below!
Learn more about the other types of Individual or Family Health Insurance polices
we offer in New Jersey by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance polices
we offer in New Jersey by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance polices
we offer in New Jersey by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
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