We at Cosmo Insurance will give you some good news you’ll want to hear about your health care options. While some premiums in the individual market have become more expensive than ever, the market is also more saturated than ever with  different options – some of them more cost efficient than other.

Cosmo knows these options inside out, and will guide you towards the best one for you. One popular insurer, Oscar will be coming back to New Jersey this year. Oscar offers quality insurance and will be bringing Oscar for Business to New Jersey for small businesses and individuals. It is a technology-based carrier with thousands of members that receive service from an on call dedicated concierge team. Oscar has a network of world-class doctors and hospitals and an app that will allow you to have a free Virtual Visit, book an appointment with a doctor, and receive prescriptions quickly. They can help you find a doctor, understand your plan, and save money on care all throughout your phone.

Another major attractive option for small businesses in New Jersey is husband-and-wife group plans. Cosmo found a quality insurer that offers group rate coverage with significant savings for a two person, husband-and-wife group. If a husband and wife are partners or work for the same corporation (25+ hrs per week) they can qualify for the affordable coverage- even if there is no one else in the group. Previously, insurers did not offer group coverage for husband and wife alone.

And if you thought things couldn’t get any better than that, than you’re going to be surprised.  You have the option of choosing between Tier One/Tier Two plans from the same insurer. The Tier One plan offers you lower premiums and out of pocket expenses than the Tier Two plan simply by virtue of the different physician/medical facility network you can use. The Tier One plans find physicians and medical facilities that will be willing to negotiate lower reimbursement rates than the conventional Tier Two networks.

We understand that you’re flustered and overwhelmed. However, a little time and effort now can pay enormous dividends throughout the next year, both financially and in the quality of your healthcare.

Just give Cosmo Insurance Agency a call. We will simplify the process for you! 

Contact Cosmo 

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