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Population: 8,724,560
(Source: U.S. Census Bureau)
Uninsured: 1,269,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for New Jersey health insurance policies. Click here to view our registration with the New Jersey Office of Insurance (We're listed as HBDC). |
New Jersey has the 8th highest number of uninsured in the U.S.
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Health Insurance News in New Jersey
Buying Individual Insurance Policies in New Jersey
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in New Jersey:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Autism
- Blood Lead Poisoning
- Bone Marrow Transplants
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Colorectal Cancer Screening
- Congenital Bleeding Disorders
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Emergency Services
- Home Health Care
- In Vitro Fertilization
- Mammogram
- Mastectomy Stay
- Maternity Stay
- Mental Health Parity
- Newborn Hearing Screening
- Off-Label Drug Use
- Other Infertility Services
- PKU/Formula
- Prostate Cancer Screening
- Second Surgical Opinion
- Well-Child Care
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Birthing Centers/Midwives
- Blood Products
- Bone Mass Measurements
- Cancer Medications
- Chemotherapy
- Chlamydia
- Cleft Palate
- Clinical Trials
- Drug Abuse Treatment
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Hearing Aid
- Hospice Care
- HPV Vaccine
- Kidney Disease
- Long Term Care
- Lyme Disease
- Mastectomy
- Maternity
- Mental Health General
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Smoking Cessation
- TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Handicapped Dependents
- Newborns
- Domestic Partners
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- Adopted Children
- Grandchildren
- Non-Custodial Children
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropodist
- Chiropractors
- Dentists
- Nurse Midwives
- Nurses
- Optometrists
- Physical Therapists
- Psychologists
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- Acupuncturists
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Nurse Anesthetists
- Nurse Practitioners
- Occupational Therapists
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physician Assistants
- Podiatrists
- Professional Counselors
- Psychiatric Nurse
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in New Jersey.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for New Jersey residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across New Jersey.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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