What Plan Choices Do I Have?
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- Insurance companies must offer small employers standardized health plans. New Jersey requires that five standardized health plans (options A through E) plus a sixth HMO option be offered to all small employers. The standardized plans help you compare differences in cost and coverage. Carriers may offer riders to the standard plans. Carriers also can offer non-standard plans. These policies are subject to the same requirements as standard health plans.
- You can compare you benefit options. The New Jersey Insurance Department issues a free guide called the New Jersey Small Employer Health Benefits Plan Buyer’s. The Department’s web site, http://www.nj.gov/dobi/sehpage.htm, lists companies selling small group policies along with sample premium rates as applicable to a specimen group.
