Since the introduction of the Affordable Care Act all U.S. citizens (with a few exceptions) are required by law to have at least basic health insurance. You may already have insurance coverage under what is commonly called “Obamacare” but the medical treatment, care and attention you receive may not be of the highest standard and waiting times can be long. For a larger monthly premium it may be worth your while opting for private health insurance in New Jersey from newjersey-insurance.net particularly as you approach middle age.
Benefits of Private Health Insurance in New Jersey
Just being sick is bad enough but when the illness is serious enough to warrant specialist treatment, an operation with time in hospital, expensive medications and after care, you want to know you will be tended to by the best and treated as quickly as possible.
- Less Waiting Time. While basic health insurance will cover you for most eventualities, waiting times to be seen by specialists and even admitted to hospital can be long as New Jersey is one of the most populated states and medical services are always under pressure and over-stretched. Although hospitals are legally obliged to admit all patients regardless of their insurance provider, those with private health coverage will be seen to first and admitted to hospital quicker than people with a basic health policy.
- Affordable. Everybody knows that a stay in hospital is often a traumatic experience and the last thing you need is the added worry of paying your medical bills. Even a few days in hospital is an expensive proposition but with private health insurance your bills are paid for by your insurance company after the deductible amount has been reached. The deductible is a set amount, which can be as little as $500, for which you are personally liable before the insurance kicks in.
- Best of Care. Nobody would question the professionalism or dedication of any doctor or nurse but it is a sad fact that there are simply not enough to go around. Junior doctors and trainee nurses will always do their best for every patient but you can be assured of the best doctors, specialists and surgeons if you have private health insurance instead of a basic insurance package.
Cost of Insurance
The cost of private health insurance in New Jersey will vary depending on which level of coverage you opt for. There are four plans denoted as platinum, gold, silver and bronze as well as the so-called “catastrophic” plan which is intended for people under thirty years of age. All the “metal” plans provide the same benefits but are scaled from high to low depending on how much you pay for your premiums but, as you would expect, the more you pay for insurance the less it will cost you should you ever need to make a claim.