Shop for health insurance online and experience the difference of the eInsurancePeople human touch: instead of being routed to a distant call center if you need assistance, you will be connected directly to an experienced, licensed, and local insurance professional.

Whether you choose to apply online or to contact us for enrollment assistance, you will be assigned to an eInsurancePeople broker/agency in your area for ongoing support and service for the duration of your plan year. eInsurancePeople brokers are able to intercede on your behalf by working directly with assigned insurance company service representatives to get tough problems resolved.

No. Although we can help you to find the best rate for your demographic, our service is provided at no additional cost to you. As licensed and appointed brokers, we are paid commissions by the insurance companies for selling and servicing their products. Your premium will be the same as it would if you were to purchase a plan directly from the insurance company.

A copayment is a set amount that your health insurer may require you to pay, usually at the time of service. Copayments are most typically used for doctor office visits and prescription drugs, although they can also apply to specific services as well, such as emergency room visits and/or inpatient hospitalization. Many plans, but not all, have co-payments as part of the plan design.

A deductible is a predetermined annual amount that the insurer can require you to pay ‘out-of-pocket’ before they begin to pay claims. Once the deductible is satisfied, you are usually considered to be ‘in benefits’. Like copayments, deductibles can also (or only) apply for specific services, such as hospitalization. Many plans, but not all, have deductibles as part of the plan design. Currently in New Jersey, high deductibles are commonly being used in order to keep premiums affordable for many people who otherwise would be uninsured.

Coinsurance is the percentage amount that you are required to pay for your covered charges/claims, after or in addition to any copayment and/or deductible amounts.

In New Jersey, all plans must have a set Maximum Out of Pocket, or ‘cap’, which is an annual maximum amount that members can be required to pay (if they incur enough claims). Once the Maximum Out of Pocket amount is reached, most plans typically pay claims at 100% for the remainder of the calendar year.

ID cards are sent to new members approximately 2 weeks after an application has been received. In the event that a member requires medical attention prior to receiving an I.D. card, a copy of your Individual Application may be used as proof of insurance.