Are you looking to compare a child only health insurance quotes in New Jersey? While it is much more convenient to place everybody in the family on the same family health insurance policy, that is not always the most affordable or sensible option. For example, more than eight percent of kids in the state live in households that are headed up by grandparents or other family members, so the parent’s network insurance plan my not cover the part of New Jersey that the child lives in.
In other cases, the parent’s medical plan may be too expensive to extend to children, or it might not do a good job of covering a child’s medical needs if he or she has a chronic health condition. This is where a children’s health plan can help you get the health benefits your child needs and deserves. You’re welcome to compare free quotes for kid’s health insurance in New Jersey here on our site.
However, most of the largest insurers offer low cost health insurance plans for children only in New Jersey. We make it easy to find the right health coverage with online medical insurance quotes. If you just need to find a low cost plan or a plan that covers a specific health condition, we hope to help. Please note, there are specific times where you can apply for a health insurance plan for children. The enrollment period varies by location and individual and so we recommend speaking to a licensed insurance agent about your short-term health insurance marketplace questions.
These are some New Jersey statistics about kids in the state:
Public health insurance plans provide an important safety net for many children in New Jersey who live in homes with low or modest incomes, but they aren’t the right solution for everybody. To get public insurance for kids, the family has to make a certain income. Individual health insurance plans for kids only offer coverage for important services like:
Also, these are all pretty restrictive HMOs, so children can only go to selected doctors, and they will need a referral to see a specialist. Furthermore, there is a process that must be completed to get health insurance for kids from these programs, and that process can take some months.
Meanwhile, many families can find affordable and flexible medical plans for kids from top private health insurance companies in the state. These are some of the largest companies that offer child only health insurance in New Jersey rates:
These companies offer PPO plans, and they are much more flexible than HMOs. With a PPO plan, families save the most money by staying inside of the network. However, they will also cover services outside the plan network. Additionally, most don’t require the assignment of a primary doctor or referrals for specialists. Typically, affordable health insurance for children only is easier to qualify for because kids are usually inexpensive to cover.
Let us help you find the best child only health insurance in New Jersey. You are welcome to use our online quote system to view New Jersey health insurance quotes for children and adults. Once you see local options, you can choose to get premium quotes, call or email for more information, or even begin applying online or over the telephone. We hope that this service helps many New Jersey families by the right health insurance for children and the entire family.
For more information feel free to call one of our agents or visit healthcare.gov.