When Can I Enroll

• During open enrollment, which runs from Nov. 1, 2022, through Jan. 31, 2023.

• You can enroll outside of open enrollment if you experience a qualifying life event, but you generally have only 60 days from that event to enroll. This is called a special enrollment period. Qualifying events include certain moves, births and adoptions, loss of employer-provided coverage, marriage, divorce and other special circumstances.

• Consumers with an annual income up to $25,760 for an individual or $53,000 for a family of four qualify for the state’s Expanded Access Special Enrollment Period, allowing them to enroll any time of the year in plans with low or no monthly premium.

• Those who qualify for NJ FamilyCare can enroll anytime.

Self Study Online Course

The Life Only option prepares you to pass the life insurance state exam with one package. The Essential package is designed to fit your busy schedule by combining a self-study online course and online study tools that let you prepare for your state exam anytime, anywhere.

Please note: The online access period for your insurance licensing course is 90 days. Additional extension of either 30 days or 90 days may be purchased to extend your study time. The extension can be ordered from the Extension icon on your Student Dashboard.

New Jersey Dental And Vision Plans

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.1 They offer coverage for the dental and vision services many medical insurance plans dont include.

From Newark to Paterson, Jersey City to Trenton, explore these New Jersey health insurance options and more that may be available now.

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Why Covering Kids Is Important

Children who have health coverage receive more consistent preventive care and treatment for any chronic conditions. This avoids expensive emergency room care, saving taxpayer dollars. Getting and keeping kids insured help our state spend scarce dollars wisely.

When children are healthy, they are more likely to grow and learn. Parents can spend their days at work, knowing their children are healthy and thriving. This benefits children, parents and employers.

When children have health coverage, their parents also gain the peace of mind of knowing that minor problems are less likely to become serious conditions. Thats because children with health coverage are more likely to have medical homes through which they receive regular, ongoing treatment for chronic conditions, such as asthma.

NJ FamilyCare is among the most cost-effective government programs. The states investment is a partnership with the federal government that brings federal dollars into the state.

New Jersey Insurance Pre

After youve determined which licenses you need, you must now take your New Jersey insurance pre-license education courses.

Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose will determine which courses you take.

Each line of authority in New Jersey requires twenty-four hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty-eight hours of pre-licensing, and for Life, Accident, and Health you must also take forty-eight hours.

You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

New Jersey requires that three of those pre-license education hours must be in ethics coursework.

Recommended Course

For required insurance pre-license courses and exam prep, StateRequirement recommends: ExamFX

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Medicare Plans For Seniors And Adults Under 65 With Disabilities

New Jersey residents age 65 and older make up 88% of the states Medicare beneficiaries. Individuals under 65 who qualify due to a disability make up the rest.

Original Medicare versus Medicare Advantage

New Jerseyans can choose between Original Medicare or Medicare Advantage to get Part A hospital and Part B medical insurance. Original Medicare is the traditional way most people receive benefits. Nearly 1.1 million N.J. residents have Original Medicare as of 2020. Meanwhile, about 518,295 residents chose private Medicare Advantage plans.

Medicare Advantage plans offer extra benefits beyond Traditional Medicare. Most include prescription drug coverage, and some offer other benefits, such as routine dental, vision, and hearing care.

Medicare Part D Drug Coverage and Medicare Supplement

Traditional Medicare has coverage gaps, such as limited drug coverage and out-of-pocket expenses. Enrollees who want prescription drug benefits usually add a separate Medicare Part D drug plan from a private insurance company. In 2018, more than 915,000 New Jersey residents had a stand-alone Part D plan.

Original Medicare beneficiaries can also add a Medicare Supplement plan to help cover some or all of their out-of-pocket costs, including copayments, co-insurance, and deductibles.

What Is Covered And How Much Will It Cost

Coverage and cost depend on where you live, the type of plan you choose, your estimated household income, and the age and disability status of you and your family. If you qualify for NJ FamilyCare, you will be able to get free or low-cost coverage and may not need to worry about premiums or copays, depending on your income level. All GetCoveredNJ plans cover the essential health benefits, including:

• Ambulatory care services
• Preventive and wellness services, including annual physicals and mammograms
• Chronic disease management
• Pediatric services

Insurance companies cannot deny coverage because of preexisting conditions. When you apply, you can identify your medical needs and choose a plan that makes financial sense for you and your family. All GetCoveredNJ plans cover basic dental services for children, including cleanings and exams. But adults who want dental coverage must add it to their policy. Deductibles and out-of-pocket costs vary between plans enrolling in a family plan may cut costs.

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Where To Go For Assistance

“We want to ensure as many residents as possible take advantage of low-cost health coverage that is available, said Marlene Caride, the state commissioner of Banking and Insurance. Navigators are an important part of reaching the states uninsured residents. The state has funded grants to various agencies so that assistance can be provided in a variety of languages and settings.

All of the agencies that receive state funding will offer help remotely and in-person.

Besides New Jersey Citizen Action, they include community health centers such as Zufall Health Center in Morris and Sussex counties, North Hudson Community Action Corp. in Hudson, Bergen and Passaic counties, and Newark Community Health Centers, as well as Planned Parenthood of Northern, Central and Southern New Jersey University Hospital in Newark and a variety of social service groups.

Certified application counselors and brokers who have received state training also can assist with enrollment. Further information is available at nj.gov/GetCoveredNJ/.

Lindy Washburn is a senior health care reporter for NorthJersey.com. To keep up-to-date about how changes in health care affect you and your family, please subscribe or activate your digital account today.

Insurance Policies For Small Business Owners

The Small Employer Health Benefits Program ensures that small employers have access to small group health benefits plans without regard to the occupation of the group or the health status of any of the group’s members.

The program restricts carrier use of small group participation requirements, employer contribution requirements, preexisting condition limitation provisions, and factors related to rates for health benefits plans offered to small employers.

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The Premium Instruction Package Includes:

Available in Print and PDF*

This comprehensive textbook guides you through a deep-dive of key testable insurance terms and concepts that you will need to know for your state licensing exam. The text is broken down into easily digestible units, including Cram Sheets, making it easy to learn and retain the information. Kaplans team of experts develops the content with a focus on the most recent rules and regulations in the insurance industry along with the important insurance topics. Units contain the key testable terms and concepts, multiple graphics, exercises, quizzes, and discussion questions to help you learn faster and retain the information for your state licensing exam.

*State Exceptions:

FL: The LEM can only be provided in PDF format.

Available Online and Downloadable

Practice your test-taking skills, drill into specific topics, and test your knowledge with exam-focused questions. This interactive QBank is updated on a regular basis and allows you to build personalized exams based on length and topic of your choice. It features unlimited exam attempts that are randomly generated. The QBank also gives you the ability to:

Available in Print and PDF*

This state-specific reference contains all the relevant testable state laws and regulations needed to pass the licensing exam. Use this book in conjunction with the License Exam Manual to prepare for all aspects of the state exam.

*State Exceptions:

Available Online

Available Online

Available Online

Available Online

The Career Launcher Package Includes:

Available in Print and PDF*

This comprehensive textbook guides you through a deep-dive of key testable insurance terms and concepts that you will need to know for your state licensing exam. The text is broken down into easily digestible units, including Cram Sheets, making it easy to learn and retain the information. Kaplans team of experts develops the content with a focus on the most recent rules and regulations in the insurance industry along with the important insurance topics. Units contain the key testable terms and concepts, multiple graphics, exercises, quizzes, and discussion questions to help you learn faster and retain the information for your state licensing exam.

*State Exceptions:

FL: The LEM can only be provided in PDF format.

Available Online

Prepare for your insurance licensing exam by utilizing our customizable Study Calendar, which coordinates your daily tasks with your study schedule and test date. This interactive calendar helps you plan for specific days off and calculates the average amount of time you will be studying each day. Based on proven learning science and over 25 years of training experience, this essential study tool takes the guesswork out of your study plan and puts you on the track to success.

Available Online

Available Online and Downloadable

Available Online

Available Online

Available Online

Available Online

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Available Online

Available in Print and PDF*

*State Exceptions:

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New Jersey Health Insurance Marketplace

New Jersey operates a state-based exchange with a federal platform .2The state provides a website and local Navigators to help residents choose coverage. But actual enrollments take place through the federal governments Healthcare.gov site.

New Jersey will implement a fully state-based health insurance platform for the 2022 open enrollment season.

About 269,560 residents enrolled in 2021 coverage through New Jerseys Health Insurance Marketplace.

How Do I Sign Up

You apply for coverage and choose your plan at the same time. Once youre approved for a plan, youll need to pay your first monthly premium for your coverage to begin. You can pay online or ask to receive a bill in the mail. To apply and enroll:

• Online: Visit the GetCoveredNJ enrollment page. If you had health coverage through HealthCare.gov or NJ FamilyCare in 2020, your account will now live on the GetCoveredNJ site you can access your account via this enrollment page, too.

• Call 833-677-1010

• In person: Youll need to meet with a certified assister or broker find one through the GetCoveredNJ website. Click the Help & Support Menu, then choose Find Local Assistance. Call 833-677-1010 if you require extra assistance. More information is online.

You can also call GetCoveredNJ or meet with an assister or broker for help with exploring plans, to ask questions and to help determine if you qualify for financial assistance. Visit GetCoveredNJs online customer service center for more information.

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Nine Out Of 10 Residents Enrolling At Get Covered New Jersey Qualify For Financial Help

But gender and marital status arent the only things that determine how much you could be shelling out for health insurance each month. We offer thousands of health plans underwritten by more than 180 of the nations health insurance companies. Official site of affordable care act. 9 check healthcare.gov to see if you and your family qualify. See health coverage choices, ways to save today, how law affects you. This form is needed to file your 2020 taxes and to show that you had health coverage. Enroll now for 2021 coverage. New jersey requires individuals to maintain minimum essential coverage. Jun 07, 2021 · for many years, cobra was one of the only viable options for americans who lost their jobs and look for gap health insurance before they can get more affordable health insurance coverage. While the rates for this plan are uniformly low, the price you actually pay for health insurance depends on your health and medical needs, among other factors.

Finding Your Best Health Insurance Coverage In New Jersey

Your cheapest options for health care coverage will depend on your income level. The state of New Jersey has expanded its Medicaid coverage as part of the Affordable Care Act , which means people whose income is under 138% of the federal poverty level may qualify for subsidized coverage at reduced or no cost.

If you don’t qualify for Medicaid, then your best options for cheap health insurance coverage will be a Bronze or Silver plan through the New Jersey health insurance marketplace. These plans have lower rates, and those with low or moderate incomes can qualify for tax subsidies to reduce monthly costs.

When it comes to the cost of health care, you should take both premiums and out-of-pocket costs into account. Getting the best health plan for your situation is about finding the right balance between the two.

Plans with lower premiums will generally have higher deductibles, copays and coinsurance, which means you will be responsible for a larger portion of costs before the plan’s benefits kick in.

For those people with higher expected medical costs, the best health insurance plan would usually have a lower deductible and a higher monthly premium. Those who are healthier and rarely use medical care should look for the opposite type of plan: low monthly costs with a higher deductible.

Silver plans: Best if you have standard medical expenses

Healthier and younger consumers should consider cheap Bronze plans

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Medicaid Chip And Insurance Plans Through The Marketplace

When you fill out a Marketplace application, youll find out if you qualify for any of these types of coverage:

• A Marketplace insurance plan. You may qualify for premium tax credits and savings on deductibles, copayments, and other out-of-pocket costs based on your household size and income. Some people with low incomes may wind up paying very small premiums. Learn about getting lower costs on a Marketplace insurance plan.
• Medicaid. Medicaid provides coverage to millions of Americans with limited incomes or disabilities. Many states have expanded Medicaid to cover all people below certain income levels. Learn more about Medicaid and how to apply.
• Childrens Health Insurance Program . CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance. Learn more about CHIP.

After you finish your Marketplace application, youll get an eligibility determination that tells you what kind of coverage you and others in your household qualify for.

What Is Nj Familycare

The New Jersey state health insurance program is called NJ FamilyCare and includes those eligible for Medicaid. It covers children living in households with annual earnings up to 350 percent of federal poverty guidelines. See income guidelines.

There is no cost for many families. Those with higher incomes pay on a sliding scale, with small co-payments and monthly premiums. NJ FamilyCare includes dental coverage for children.

You can help. If you know of parents who do not have health insurance, encourage them to either visit the FamilyCare website at www.njfamilycare.org or to call 1-800-701-0710 to find out if they are eligible. The application is available and can be completed online.

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+ How To Get Health Insurance In Nj For Low Income Fresh Content

New jersey requires individuals to maintain minimum essential coverage. Apr 26, 2021 · the cheapest health insurance in new jersey for most people is the omnia silver value plan, the most affordable silver plan in every county in the state.

We offer thousands of health plans underwritten by more than 180 of the nations health insurance companies. Official site of affordable care act. See health coverage choices, ways to save today, how law affects you.

What Happens To Medicaid Members Next Year

During the pandemic, 468,000 people became newly enrolled in Medicaid. They remain enrolled no one could be kicked off, even if their income rose, under federal law.

But once the national public health emergency ends a decision President Joe Biden is expected to make sometime in 2022 each state will be required to reevaluate whether the people receiving Medicaid benefits are still eligible, based on their incomes.

New Jersey plans to take a full year to do that, and is contacting members now to make sure their address information is correct.

When that happens, Its possible that many Medicaid recipients will become eligible for Obamacare policies purchased through Get Covered New Jersey. State officials say they’ll aim for a “warm handoff” to make sure that health coverage continues.

“Ensuring that this population is covered is a priority for the administration,” said a spokeswoman for the insurance department. Having a state-based marketplace makes it easier to coordinate with Medicaid as customers make the transition, she said. If necessary, the exchange may open for a special enrollment period to make sure the switch goes smoothly.

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New Jersey Insurance License Application

Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

The fee for the initial online application is $190. This will cover as many lines as you wish to apply for. If you want to add a line to your license later, the amendment fee is $20, plus the NIPR fee, for each subsequent applications

Fill out your online application on the NIPR New Jersey website.