New Jersey Health Insurance Programs

There were two programs created in 1992 by the New Jersey Legislature that provide individuals and small employers with the ability to choose from different health insurance programs.  This coverage is available regardless of age, claims history, health status, and other risk factors that would make it difficult to find insurance through another party.  The development of these two programs has surely changed the face of New Jersey health insurance.

Individual Health Coverage Program (IHC)

The main purpose of this healthcare program is to make sure that every individual is able to get access to healthcare if they aren’t employed or do not qualify for government sponsored programs.  You will be able to buy health coverage for your family and yourself from many different private insurance carriers.

When you decide to sign up for coverage you can choose from coverage for a single person, two adults, an adult and child(ren), or a family.  You will be able to choose if you want a fee-for-service plan, network-based plans, and other types of health insurance coverage under IHC.

There are a variety of standard services that will be covered when you sign up for a New Jersey health insurance plan, including:

  • Lab Services
  • Mental Illness Assistance
  • Office Visits
  • Immunizations
  • Hospital Care (and Emergency Services)
  • Prescriptions
  • Pediatric Dental and Vision Care
  • Therapeutic Services
  • Screenings and Preventative Medicine
  • Prenatal and Maternity Care
  • And more

Small Employer Health Benefits Program (SEH)

This program was originally developed to make sure that small employers will have access to health benefits for groups of employees without having to worry about the group’s occupation or the status of the health of anyone in the group.  It also gives small employers the ability to renew the coverage every year regardless of the amount of claims or any changes in health status.

There are standard New Jersey health insurance plans from someone like this that you can choose from when you take advantage of the small employer health benefits.  Employees will also receive continued coverage even if they aren’t eligible for the group health plan, even if the employer isn’t subjected to COBRA.

The different plans include: B, C, D, and E and they all cover inpatient and outpatient care.  The following health care benefits are included with the coverage:

  • Lab Services
  • Substance Abuse Care
  • Therapy Care
  • Prescriptions
  • Pediatric Dental and Vision Care
  • Office Visits
  • Screenings and Preventative Medicine
  • Prenatal and Maternity Care
  • Immunizations
  • Hospital Care
  • Mental Illness Care