Jane Dotson
If you're looking to get medical insurance in New Jersey, there are several options available to you. You can apply for Medicare, a federal program for those over 65 and certain younger people with disabilities, by signing up online, calling Social Security, or visiting your local Social Security Office. New Jersey also provides free Medicare counseling services through local State Health Insurance Assistance Program (SHIP) offices. You can also explore health insurance plans from providers like UnitedHealthcare, Horizon Blue Cross Blue Shield of New Jersey, and Get Covered NJ, which is New Jersey's state Marketplace. These providers offer a range of plans for individuals, families, and employers, with options for financial assistance and subsidies based on income. Before choosing a plan, be sure to compare prices and check your eligibility for financial assistance.
| Characteristics | Values |
|---|---|
| Name of the state health insurance marketplace | Get Covered NJ |
| Website | https://www.nj.gov/getcoverednj// |
| Phone number | 1-800-273-8095 / TTY 711 |
| Eligibility | Individuals with qualifying life events or who meet a certain income level |
| Financial help | Available for those who qualify |
| Enrollment period | Open Enrollment Period for the 2025 coverage year ended January 31st |
| Special Enrollment Period | Available for those with major life changes such as getting married, moving to a state, or losing job-based health coverage |
| Medicare | For people over 65 years old and certain younger people with disabilities and health conditions |
| Medicare Savings Programs | Available for low-income seniors and individuals with disabilities |
| Medicaid | Available through NJ FamilyCare |
| Dental and vision insurance | Available with no age limit restrictions |
| Private insurance providers | Horizon Blue Cross Blue Shield of New Jersey, UnitedHealthcare |
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What You'll Learn
Eligibility for Medicare Savings Programs
Medicare Savings Programs (MSPs) are federally funded programs that are managed by each state. These programs help people with limited incomes and assets pay for some or all of their Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) premiums, deductibles, copayments, and coinsurance.
In New Jersey, MSPs pay for Medicare Part B premiums, Medicare Part A and B cost-sharing, and, in some cases, Part A premiums. To qualify for a Medicare Savings Program, you must have income and resources below a certain limit, which varies by state and goes up each year. For 2025, the income limit for New Jersey residents is $18,780 for single individuals and $25,380 for married couples, while the asset limit is $9,660 for single individuals and $14,470 for married couples.
There are three types of Medicare Savings Programs in New Jersey: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualified Individuals (QI). Each program has different income limits and benefits. QMB has the highest income limit, followed by SLMB, and then QI. For 2024, the income limit for QMB is $1,235 a month if single and $1,663 a month if married. SLMB has an income limit of up to $1,478 a month if single and $1,992 a month if married. QI is for individuals with incomes up to $1,660 a month if single and $2,239 a month if married.
You can apply for any of these programs through the NJSave online or paper application. New Jersey also provides free Medicare counseling services through local State Health Insurance Assistance Program (SHIP) offices, where trained volunteers can help you navigate the system and find the right options for you.
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Applying for Medicare
Medicare is a federal health insurance program for people aged 65 and over, as well as certain younger people with disabilities and health conditions. To get full Medicare benefits, you need both Part A (Hospital Insurance) and Part B (Medical Insurance).
How to Apply for Medicare
- If you are 65 or older, you can enroll online for Parts A and B, or Part A only. You can delay Part B if you are already covered through an employer group health plan.
- If you are under 65, you may be eligible for Medicare if you have permanent kidney failure, End-Stage Renal Disease (ESRD), or are receiving disability benefits.
- If you have Lou Gehrig's Disease (ALS), you will receive Medicare Parts A and B immediately when you enroll in Social Security disability benefits.
- If you have ESRD, call 800-772-1213 and tell the representative you want to apply for Medicare because you have ESRD.
- If you are under 65 and have a disability, you should already have Part A and Part B because you are receiving disability benefits. You will be mailed a welcome package with your Medicare card.
- If you live in Puerto Rico or outside the U.S., you will get Part A automatically, and you can sign up for Part B.
- If you are under 65 and have End-Stage Renal Disease (ESRD) or ALS, you should already have Part A and Part B, and you will be mailed a welcome package with your Medicare card.
- If you are not yet ready to receive Social Security benefits at 65 because you are still working, you can apply online for Medicare only, or you may be able to wait until you retire to sign up during a special enrollment period.
- You can apply for Medicare online, by phone, or in person at your local Social Security Office.
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Financial help for health insurance
New Jersey residents may be able to get free or low-cost health insurance through the state's publicly funded health insurance program, NJ FamilyCare. This program includes people who qualify for the Children's Health Insurance Program (CHIP) or Medicaid. NJ FamilyCare provides free or low-cost health insurance that covers doctor visits, prescriptions, vision, dental care, mental health, hospitalization, and more.
Eligibility for NJ FamilyCare is based on income and household size. Residents may enrol in NJ FamilyCare year-round. When applying for coverage, you will need to provide income and household information, which will be used to determine your eligibility for financial assistance. You can also apply for NJ FamilyCare directly on the NJ FamilyCare website.
Additionally, New Jersey offers Medicare, a federal health insurance program for individuals over 65 and certain younger people with disabilities and health conditions. To apply for Medicare, you can sign up online, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778), or visit your local Social Security Office. New Jersey also provides free Medicare counselling services through local State Health Insurance Assistance Program (SHIP) offices, where trained volunteers can help you navigate the system and find suitable options.
To determine your eligibility for Medicare Savings Programs, you can use the online application NJSave. This program assists low-income seniors and individuals with disabilities in saving money on Medicare premiums, prescription costs, and other living expenses.
GetCoveredNJ is another option to explore for health insurance in New Jersey. This program offers financial assistance to those who qualify, and nearly free coverage is available for residents with incomes up to a certain level. You can compare health plans and check your eligibility for financial assistance through this program.
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Health insurance for individuals
Health insurance is an important aspect of financial planning and can help protect your health and your financial well-being. There are a few ways to get health insurance in New Jersey as an individual. Firstly, you can explore the state's health insurance marketplace, Get Covered New Jersey, where you can compare health plans and see if you qualify for financial assistance. This platform allows you to browse different plans, compare prices, and determine your eligibility for financial aid.
Additionally, you can consider applying for Medicare, which is a federal health insurance program for individuals over 65 or those with certain disabilities and health conditions. To apply for Medicare, you can sign up online, call Social Security at 1-800-772-1213, or visit your local Social Security Office. Medicare is divided into several parts, each covering different services, including hospital insurance, medical coverage, and more.
If you are a low-income senior or an individual with a disability, you can also look into the Medicare Savings Programs by visiting NJSave. This online application can help you save money on Medicare premiums, prescription costs, and other living expenses. New Jersey also provides free Medicare counselling services through local State Health Insurance Assistance Program (SHIP) offices, where trained volunteers can guide you in finding the right options.
Furthermore, you can explore private health insurance providers such as AmeriHealth and Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ). These companies offer a range of individual and family health plans, allowing you to choose the one that best suits your needs and budget. Remember to review the plans carefully, considering factors such as coverage, provider networks, and any additional benefits or restrictions.
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Health insurance for families
Health insurance can be confusing, but it doesn't have to be. Here's a step-by-step guide to help you navigate health insurance for your family in New Jersey.
First, it's important to understand that health insurance in New Jersey is available through a variety of programs, including private insurance plans, and public programs like NJ FamilyCare and Medicare. NJ FamilyCare is New Jersey's publicly funded health insurance program, which provides free or low-cost health insurance to eligible residents. This program covers doctor visits, prescriptions, vision, dental care, mental health, hospitalization, and more.
Next, you'll want to determine your eligibility for these programs. Eligibility for NJ FamilyCare is based on your income and family size. You can visit the NJ FamilyCare website to view the income chart and determine your eligibility. Additionally, certain life events, such as getting married, moving to a new coverage area, or losing job-based health coverage, may qualify you for a Special Enrollment Period, allowing you to enroll outside of the regular Open Enrollment Period.
If you have children, they may be eligible for the Children's Health Insurance Program (CHIP), which is also administered through NJ FamilyCare. Medicare, on the other hand, is a federal health insurance program generally for individuals over 65 years old or with certain disabilities and health conditions. To apply for Medicare, you can sign up online or by contacting your local Social Security Office.
Finally, when choosing a health insurance plan, it's important to compare different options and understand what each plan covers. Get Covered New Jersey is a helpful resource that allows you to browse different health plans and see if you qualify for financial assistance. You can also contact the State's Health Benefits Coordinator at 1-800-701-0710 for assistance with your application and understanding your options.
Remember, it's important to prioritize your family's health and well-being, and having the right health insurance plan in place is a crucial step towards achieving that goal.
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Frequently asked questions
You can get medical insurance in New Jersey by applying for Medicare, or by shopping for a health plan through Get Covered New Jersey, the state's health insurance marketplace.
You can apply for Medicare in New Jersey by signing up online, calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778), or visiting your local Social Security Office.
Get Covered New Jersey is the state's health insurance marketplace where you can compare health plans and see if you qualify for financial help.
Medicare is a federal health insurance program for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.
