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 others.
Cosmo knows these options inside out, and will guide you towards the best one for you. Horizon and AmeriHealth New Jersey will be continuing their health options from last year and offering competitive premiums. Horizon will be adding on mobile chats and video consultations with doctors, while AmeriHealth New Jersey's new partnership with RWJBarnabas Health has allowed the carrier to expand its options. One popular insurer, Oscar, will be coming back to New Jersey this year. Oscar offers quality insurance and will be bringing health options to New Jersey for small businesses and individuals. It is a savvy technology-based carrier that provides ease of access to their thousands of members through telemedicine. Oscar has a network of world-class doctors and hospitals within the reliable QualCare 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+ hours 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.
Whatever plan you end up choosing, the earlier you begin the process, the better. You will have more time to understand your options and make a wise decision. When you enroll earlier, you will have your ID cards in time and greater peace of mind in every aspect of your coverage.
You are busy, and possibly confused and/or not thrilled about delving into the intricacies of healthcare. We agents are the rare breed that enjoys this stuff. Waiting for the last minute to enroll can give you great headaches as well, such as having to delay your appointment with your physician even if you very much need the visit.
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.