Health Insurance in New Jersey

All people in the state of New Jersey today are required to carry health insurance. Unfortunately, when someone is shopping for health insurance it is easy to get confused by all of the different options. When you are looking for health insurance policies, there are several different factors that you should take into consideration to ensure you pick the right policy for yourself and your family.

Choose the Type of Plan

When you are looking for a new health insurance plan, the first thing you need to do is consider the different types of health insurance options available. Today, there are a variety of different health insurance plan options including HMOs, PPOs, and other types of plans. It is important to consider the advantages and disadvantages of each option prior to choosing a plan.

Compare Networks

Depending on the type of plan that you choose, you may have to pick a primary care physician that is in the network of your plan. If this is the case with your plan, it is important to carefully review which doctors in your area are covered by the plan. If your doctor is not part of your network, you will either have to pay a higher rate or you will have to switch to a new doctor in your plan's network.

Compare Costs

Determining the true cost of a plan can be confusing. Because of this, you need to carefully consider all of the costs that can be involved to determine which option is best for you. Some costs to consider include the premium cost, your annual deductible, and what your co-pay will be when seeing a doctor.

If you are looking for health insurance in New Jersey, Dirus & Sons in Neptune, NJ should be your first call. Dirus & Sons will be able to help you better understand all of your insurance options and help you to find a health insurance policy that is right for you. Contact our office in Neptune, NJ to speak with an agent and get a quote.