Alert! Alert! Calling all Qualcare patients- this blog may affect you! For Qualcare NJ patients, there is a new APEHP Underwriting Guideline update that goes into effect 10/1/2018. In addition to a group being eligible to participate in APEHP for coverage if they employ at least two eligible full time(F/T) employees now, if those groups have at least two eligible F/T employees- the employer must have a minimum of one eligible full time employee on a WR-30 (quarterly wage report). Thus, if the employer is subjected to this new update, they must submit a WR-30 by 10/31/2018. If you have any questions please feel free to contact us!

Also, if you would like to discuss your current health insurance plan or possibly review a new one, please give us a call, stop in, or e-mail us. We are always here to help with our team of distinguished brokers.




When shopping for health insurance, shop smart.

Don’t be deceived by insurance agencies allowing them to sell you plans from their preferred carriers so that they can clinch the sale and leave you with obstacles to solve.

When you reach out to Cosmo, our health insurance brokers in New Jersey spend all the time necessary to determine what your needs and priorities are. We are independent and offer plans from a large spectrum of reputable carriers. We explain your options in great detail and clarity– down to the fine print - so that you can choose a plan that will satisfy you for the long term.

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