As a resident of New Jersey, you enjoy the special rights of being covered under the Individual Coverage Program even if you have some pre-existing health problems. Whereas, in many U.S. States, people with such pre-existing health status are considered uninsurable. The residents of this state enjoy this special benefit because of the New Jersey Health Insurance Reform of 1992. Under this reform, two programs were created to ensure that coverage for all residents, no matter what their age, status or claims history is. These two programs, namely, the Individual Coverage Program (IHC) and the Small Employer Benefits Program (SEH) have changed the entire scenario of New Jersey Health Insurance.

NJ FamilyCare and Medicaid

The State Children’s Program- NJ FamilyCare is meant for the children less than 19 years and also covers those adults who cannot afford New Jersey Health Insurance. Medicaid is available for those residents who meet the required income and eligibility criteria.

State Assistance Program

Popularly known as SHIP, this program helps the beneficiaries of Medicare by resolving their queries through counseling. As a program, SHIP is sponsored by the Department of Health and Senior Services.

Department of Banking and Insurance

All the insurance companies, agents, policies in the state are supervised by the Department of Banking and Insurance. Along with supervising the insurance industry, the department also regulates the banking and real estate business in the state. The head office of the department is situated in Trenton and its two consumer centers are located in Newark and Camden. You may contact the department for any clarifications on insurance programs or for filing a complaint.

New Jersey Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625
Phone: 609-292-7272
Fax: 609-292-5865