NJHA has developed a series of resources to help people understand some of the complex parts of health insurance and medical bills. The first guide in the series provides a helpful overview including important information found on your insurance card, how to find a doctor in your plan and how to receive pre-approval for healthcare appointments and treatments. The rest of the series provides more details on topics including how to avoid surprise medical costs.

• Health Insurance Help! #1: Your Step-by-Step Guide to Using Health Insurance, available in English and Español.
• Health Insurance Help! #2: Your Guide to Using Tiered Networks, available in English and Español.
• Health Insurance Help! #3: Your Step-by-Step Guide to Understanding Your Medical Bills, available in English and Español.
• Health Insurance Help! #4: Your Guide to Surprise Medical Bills, available in English and Español.
• Health Insurance Help! #5: Your Guide to Getting Care in the Right Setting, available in English and Español.
• Health Insurance Help!: Understanding Medicare's Requirement for SNF or SAF, available in English and Español.
• Health Insurance Help!: Traditional Medicare or a Medicare Advantage Plan: Which is Right for You?, available in English and Español.

Health insurance help is here! If you’re shopping for a health plan and don’t know the difference between an HMO, PPO or POS, our new cheat sheet can help. It provides health insurance basics, plus 12 key questions to ask so that you can find the right plan that fits your needs and your budget.

Download our free health insurance flyer in English here.

Download our free health insurance flyer in Spanish here.

There may be some follow-up steps after you apply for health insurance. GetCoveredNJ’s After You Apply page provides helpful information.