With all the talk about health insurance in the air because of Obama’s Health Care Act (or better known as ObamaCare), you wonder whether your health insurance plan is right for you and whether or not there is a better deal out there. Like any type of insurance, health insurance should be bought based on the needs of the user. Your neighbor’s health insurance plan may not be appropriate for you. Also, like any type of insurance, New Jersey health insurance should be renewed at every stage of your life.
Here are some questions that you should be asking yourself before you choose a health insurance plan:
1. Are you pregnant?
2. Do you smoke?
3. Do you drink?
4. Do you take any medications? Any type of drugs?
5. Do you have allergies/illnesses/etc?
You should also research whether your company/employer provides health insurance. If your company/employer does provide health insurance, you should do further research to see what the plan covers and if it fits your needs.
New Jersey is home to more than 8.6 million people. And more than 15% of those people do not currently have health insurance. Fortunately, it is really easy and efficient to find a plan for individual health insurance in NJ to suit your needs. Health insurance does not need to be expensive. Most people would be comfortable with purchasing a standard health insurance plan. However, pregnant women, drinkers, smokers, etc. would probably benefit from looking more closely at the health insurance plans. For example, many pregnant women and recent mothers found themselves without the proper care they need. This resulted in many newborns with a low birth weight, many babies born prematurely, and many newborns not receiving the proper immunizations.
If you think you would be turned down by New Jersey health insurance companies because of a health problem, your age, etc, you are wrong. Because of New Jersey’s laws, that is illegal. Some carriers of individual health insurance in NJ are Aetna, AmeriHealth, Guardian, Health Net, Horizon Blue Cross Blue Shield of New Jersey, Oxford Health Plans, and UnitedHealthcare. Search online today to get a health insurance quote. It is really as simple as filling out a couple of questions. You can read the full info here.
