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Points to Consider When Choosing a Family Health Insurance Plan in NJ
March 3, 2023 at 10:00 PM
Points to Consider When Choosing a Family Health Insurance Plan in NJ


Choosing a family health insurance plan can be a daunting task, especially if you're new to the process. This article will give you a rundown of the different types of family health insurance plans available in New Jersey and some things to remember when making your decision. With this information in hand, you'll be able to choose the best plan for your family with confidence.

Questions for Families to Discuss

Before you meet with a qualified insurance broker in New Jersey, consider your needs and discuss your insurance requirements with family members. Consider:

  • Whether you want a PPO or an HMO. PPOs offer more flexibility when it comes to choosing your providers, but they also tend to be more expensive. HMOs are usually less expensive, but you'll have to use in-network providers.
  • If you want a plan with a high deductible or a low deductible. A high deductible plan will have lower monthly premiums, but you'll have to pay more out of pocket if you need to use your insurance. A low deductible plan will have higher monthly premiums, but you'll pay less out of pocket if you need to use your insurance.
  • Your prescription drug needs. Some plans have prescription drug coverage and some don't. If you or someone in your family takes prescription drugs, make sure to get a plan that covers them.
  • What kind of doctor you want. Do you want a primary care physician? A specialist? Someone who takes your insurance? Make sure to choose a plan that covers the type of doctor you want.

Considerations for Choosing Health Insurance Plans for NJ Families

The cost of premiums, deductibles, and out-of-pocket expenses.

The cost of health insurance is always a significant consideration when choosing a plan. In New Jersey, the average cost of a family health insurance premium is $1,352 per month. However, this number will vary depending on the type of plan you choose and the size of your family. It's important to remember that the monthly premium is not the only cost you'll incur; you'll also have to pay deductibles and out-of-pocket expenses. Be sure to take these costs into account when comparing plans.

Network, Doctor, and Hospital Coverage

Another important consideration is the network of doctors and hospitals that are covered by your chosen plan. If you have a particular doctor or hospital that you prefer, be sure to check that they're included in your chosen plan's network before enrolling. Additionally, check which hospitals and PCP’s are covered and where they are located; providers are often in neighboring towns, and families should consider their ability to travel to appointments. Network information is typically on the insurance company's website or available by calling customer service.

Prescription, Preventative Care, and Specialist Coverage

When evaluating health insurance plans, it's also necessary to consider what kinds of services are covered and how much coverage you'll need. For example, if you take prescription drugs regularly, you'll want to make sure that your chosen plan covers them. Similarly, if you or someone in your family has a chronic illness or condition, you'll want to make sure that your chosen plan covers specialist visits. Lastly, all health insurance plans must cover preventive care services like immunizations and screenings at no cost to you.

Mental Health Coverage

Many health insurance plans offer coverage for mental health services such as counseling and psychotherapy. Mental health coverage varies widely between different plans, so it is important to do research into which policies offer the most comprehensive coverage for mental health services if this is something your family requires. Often, children with developmental delays, learning disabilities, or other exceptional needs require therapeutic psychotherapy, so be sure to plan for your children's future needs if they fall under this umbrella.

Dental & Vision Coverage

Dental and vision coverage are often overlooked but are equally important when selecting a family health insurance plan in New Jersey. Many plans offer additional coverage options for these types of services at an additional cost, so it is worth researching these options if they fit within your budget.

Customer Service and Support

Finally, it's always a good idea to research an insurance company's customer service reputation before enrolling in one of their plans. You can usually find customer reviews online or by asking friends and family for recommendations. Once you've narrowed down your options, be sure to call each company's customer service line with any questions or concerns you may have. This “cold call” will give you a good sense of what it's like to work with the company should you ever need to file a claim or use their services.

Find Support and Expert Advice for Choosing Family Health Insurance in New Jersey

There are many factors to consider when choosing a family health insurance plan in New Jersey. By keeping the above considerations in mind, you'll be prepared to choose the best plan for your needs with confidence. For further support, get in touch with Murray Talks Insurance. The professionals at Murray Sterner have the experience and expertise to guide your family to the most cost effective insurance solution. Get in touch with us today to discuss the best insurance options available in New Jersey.

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