Best Health Insurance Agencies in Brick

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Will Medicare cover the cost of any necessary hearing care in Brick?

  In Brick, Medicare will not cover all types of hearing care. The diagnostic hearing tests in Brick are only covered by Medicare Part B if your primary care physician recommends them due to symptoms, problems, or complaints that require medical attention. However, Medicare does not cover routine hearing tests or treatments like hearing aids or fitting exams.

• What prerequisites must you fulfill in order to shop health insurance plans in Brick using GetCoveredNJ?

  To shop for health insurance coverage in Brick through GetCoveredNJ, you must be a U.S. citizen or legally present in the country, have a primary residence in New Jersey, be free of current incarceration, and be considered a resident of both New Jersey and the United States for tax purposes. If you are not eligible to purchase health insurance through GetCoveredNJ, you can still apply for other household members.

• What are the common reasons for losing the financial assistance that reduces your Brick health insurance premium?

  One of the most common reasons for losing the financial assistance that lowers your health insurance premium in Brick is a change in your household members or income. Other possible causes include the fact that your response to a question in your previous year's application rendered you ineligible for financial aid, that you did not provide evidence of your income, and that you did not grant GetCoveredNJ permission to access your financial data with the IRS.

• Who is eligible for Medicaid in Brick?

  The following Brick residents are eligible for Medicaid: 

  • Children in New Jersey with incomes up to 350% of the poverty line are eligible for CHIP.
  • Adults under the age of 65 who earn up to 138% of the poverty level.
  • Pregnant women earning up to 200% of the poverty line.
  • The elderly, the blind, and the disabled.

• How much will you be required to pay your Brick health insurance provider once you've met your deductible?

  You will most likely need to make co-insurance payments to your Brick health insurance company after you have met your deductible to access any care up to the limit of your out-of-pocket maximum. Once your out-of-pocket maximum has been paid by you, your insurance provider will cover 100% of the cost for approved care for the remainder of the plan year.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.