Does NJ offer health insurance?

The New Jersey Health Insurance Mandate was enacted on November 21, 2019. Under this mandate, all New Jersey residents are required to have health insurance. Both individuals and families must have at least a minimum of essential coverage. If you qualify for an exemption, you may not need to maintain a healthcare plan.

Can you have 2 health insurances in NJ?

Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.

Can I use my NJ health insurance in another state?

The Short Answer: All plans cover emergency services at any hospital in the United States, regardless of what state plan was purchased from, with the exception of Hawaii. As long an emergency is considered life-threatening, it will be covered as in-network, regardless if the hospital is in your plan’s network.

What is the birthday rule?

Birthday Rule: This is a method used to determine when a plan is primary or secondary for a dependent child when covered by both parents’ benefit plan. The parent whose birthday (month and day only) falls first in a calendar year is the parent with the primary coverage for the dependent.

Can spouses be on each others insurance?

Dual coverage: You each sign up for coverage from your employer and you each cover each other, or the entire family, on your plan. This is called dual coverage. It will be more expensive to have two plans but it might provide more coverage in some cases.

Can I use my NY health insurance in NJ?

A: No. Because each state has its own Medicaid eligibility requirements, you can’t just transfer coverage from one state to another, nor can you use your coverage when you’re temporarily visiting another state, unless you need emergency health care.

Can I use Horizon NJ Health in Pennsylvania?

As a Horizon BCBSNJ member, you have access to one of the largest network of qualified doctors, specialists and other health care professionals1 in New Jersey and a broad network of participating hospitals throughout New Jersey and nearby in Delaware and Pennsylvania.