New Jersey Department of Banking and Insurance
The New Jersey Department of Banking and Insurance is responsible for regulating all types of insurance sold in the state of New Jersey, including health insurance policies.
If you are looking for health insurance coverage, the Department of Banking and Insurance can help you find an insurance agent or insurance company that is licensed to do business in New Jersey. Their site has a list of authorized HMOs, or you can contact them at the phone number listed below to find a different insurer. If you have the name of an agent or company and wish to verify that they are licensed to sell insurance in New Jersey, you can conduct your own search online.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Banking and Insurance. You can find an online request for assistance, as well as a complaint form to be completed and mailed in.
New Jersey Department of Banking and Insurance
Consumer Assistance Services
P.O. Box 329
Trenton, NJ 08625
Phone: 609-292-5316
Fax: 609-292-5865
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage -- for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan -- contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
New Jersey (northern)
New York Regional Office
33 Whitehall Street, Suite 1200
New York, NY 10004
Jonathan Kay - Director
Phone: 212-607-8600
Fax: 212-607-8681
New Jersey (southern)
Philadelphia Regional Office
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Mabel Capolongo - Director
Phone: 215-861-5300
Fax: 215-861-5347
Buying Individual Policies in New Jersey
New Jersey has a special Individual Health Coverage program which guarantees that people with pre-existing health conditions can obtain health insurance. Those who are interested in buying a policy under the Individual Health Coverage program should read the Buyer's Guide before contacting IHC program insurers directly for coverage. The Buyer's Guide contains important information about the program, including eligibility and benefits.
Individual Health Coverage Program
Phone: 609-633-1882
Fax: 609-633-2030
E-mail: ederosa@dobi.state.nj.us
New Jersey FamilyCare -- the State Children's Health Insurance Program
FamilyCare provides health insurance coverage for children age 18 and under whose family meets certain income requirements.
Adults whose income is below 133% of the federal poverty level may also apply for FamilyCare.
New Jersey FamilyCare
P.O. Box 8367
Trenton, N.J. 08650-8367
Phone: 1-800-701-0710
New Jersey State Health Insurance Assistance Program (SHIP)
SHIP provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit, or Medigap coverage.
SHIP
Phone: 1-800-792-8820
New Jersey Medicaid
Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about New Jersey Medicaid, contact the New Jersey Division of Medical Assistance and Health Services at the number listed below.
New Jersey Division of Medical Assistance and Health Services
Phone: 1-800-356-1561
