Workers may need temporary health insurance in NJ for a variety of reasons. They may be between jobs for any reason but can also be temporarily employed or have only part time employment. New Jersey temporary health plans will also be required while waiting for permanent health insurance to begin or as an alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) typically do not include temporary medical insurance in NJ. Providers generally allow the insured person to receive care from any licensed health care provider in the United States.

1. Gap coverage is the intent of short term health insurance. New Jersey workers should expect to have standard health insurance in the future.

2. Temporary health coverage in New Jersey provides protection against unforeseen illness or injury but generally does not cover preventative care or routine examinations.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA) in New Jersey which means that carriers do not have to guarantee an issue or renewal and are not required to waive the restriction on pre-existing conditions for individuals that would otherwise qualify.

Action Steps
The best contacts and resources to help you get it done

Compare quotes for New Jersey temporary health insurance

There is a wide variation in coverage rates but temporary health insurance in NJ generally requires a higher premium than those with permanent coverage.

I recommend: Get quotes for several insurance companies that provide temporary health insurance in New Jersey at nriol.net. They specialize in traveler's health insurance.

Examine the type of temporary health insurance plans available in New Jersey

Only certain groups of people or conditions may be covered by a given plan for short term health insurance. New Jersey temporary health insurance companies should provide a summary of their plan.

I recommend: Make your choice based on detailed descriptions of temporary health insurance. New Jersey has licensed McDonald Insurance Group Inc. to provide a wide range of insurance in that state.

Apply for personalized quotes

You can get a more specific quote when you provide some basic information about yourself when applying for short term health insurance.

I recommend: Go to Horizon Blue Cross Blue Shield of New Jersey and complete the application form for short term health insurance. NJ Blue Cross Blue Shield will respond back to you with a preliminary quote or denial of your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check for provisions that will extend your coverage beyond the expiration date of temporary health insurance. New Jersey plans frequently cover total disabilities until you have met certain conditions. Depending on the plan, treatment may continue until it is no longer required, the maximum benefit is paid or a certain date beyond the plan's termination date has been reached. Many plans also provide a fixed benefit for follow-up care after the expiration date.