Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response. Limited telephone support (800) 609-0683. Office hours posted daily on Twitter @FreedomBenefits   Most Liberal Eligibility Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family Most Affordable Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family Long Term Major Medical Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance - fast, easy and inexpensive online term insurance coverage up to $250,000 International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Simple whole life insurance - the fastest way to get affordable permanent coverage up to $50,000. Online underwriting, no exam. Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

New Jersey health insurance exchange New Jersey residents face an almost impossible task finding affordable health insurance due to manipulative state laws passed in the 1990s. Individual major medical insurance is not considered an attractive or viable option for most of the state's residents. Currently eight commercial health insurance companies offer guaranteed-issue individual coverage according to strict designs mandated by the state. Insurance companies have no option to offer lower-priced coverage with lower levels of coverage.  Applicants without prior coverage must satisfy a 12 month waiting period before pre-existing conditions are covered. Premium rates are updated monthly and range from about $300 per month for single young adults to more than $2,000 per month for family coverage. Applications are available only on request directly from the insurance carrier. The state insurance department suggests that the temporary federally subsidized pre-existing insurance plan called NJ Protect offers better coverage at a lower rate for those who qualify. Unfortunately, applicants who qualify may need to drain their personal and family financial assets before this coverage becomes effective. This Web page lists low cost supplemental commercial health insurance plans and related benefits. New Jersey insurance & benefit news New Jersey had the 16th highest health insurance costs of all states in 2008 with an average family premium of $12,789 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 30th out of the 51 states (including DC). New Jersey regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family New Jersey Insurance Law The New Jersey Department of Insurance Web site contains a link to the Regulatory and Legal Affairs Web page.  The state's Web site also publishes information to help individuals find individual health insurance, including the current rates of all available major medical insurance and HMO plans. The site does not list commercial low cost health plans like mini-med or core coverage, specific illness policies, supplemental insurance and basic health insurance. The state insurance department can be reached by telephone at (609) 292-7272 or by mail at P.O. Box 471, Trenton, NJ 08625. The state children's health insurance plan (CHIP) Web site is New Jersey FamilyCare. Non-insurance Discount Plans Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee Drug Card America - a free prescription drug card that an be used nationwide Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions. See International Coverage and Travel Insurance Listings

New Jersey Insurance News

12/16/2010 New Jersey Department of Banking and Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, New Jersey said that it would: 1) Research the number, demographic and health characteristics of New Jersey residents who will be eligible and likely to enroll in Medicaid or FamilyCare and subsidized and unsubsidized Exchange products (through individual and small employer Exchange(s)) in New Jersey, 2) Conduct forums and on-line surveys to obtain stakeholder input into the design of Exchange(s) in New Jersey, and 3) Engage experts in benefit design, building provider capacity to accommodate the anticipated enrollment, transitioning existing Medicaid clients into the Exchange, coordinating with social services programs, and reviewing alternative delivery models.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in New Jersey is now available at Freedom Benefits.

3/23/2010 The state's proposed 2011 budget calls for drastic cuts in FamilyCare, the state health program for low income residents.