Independent Financial Services, LLC.

WHAT IS GET COVERED NJ INSURANCE?

GET COVERED NJ INDIVIDUAL & FAMILY PLANS ARE DISCOUNTED HEALTH INSURANCE PLANS

AVAILABLE TO NEW JERSEY RESIDENTS

YOU MAY ENROLL IN EITHER AN:

ON-EXCHANGE (WITH FINANCIAL ASSISTANCE) OR OFF-EXCHANGE (WITHOUT FINANCIAL ASSISTANCE) HEALTH PLAN.
FEEL FREE TO SELF-ENROLL AT EITHER THE UNITED HEALTHCARE OR AETNA GET COVERED NJ LINK ABOVE. OTHER INSURANCE CARRIERS ARE AVAILABLE UPON REQUEST.

Any GET COVERED NJ enrollment application submitted after January 31, 2024 will be considered during a Special Enrollment Period(SEP) and must be accompanied by either proof of loss of coverage or another life changing event. Qualifying events include: loss of health coverage, turning age 26, having a baby, adopting a child, getting married, getting divorced, becoming legally separated, changes in state residency, income changes, becoming a US citizen, and natural disasters (hurricane, earthquake, etc) that have prevented you from enrolling. Generally, if you qualify for an SEP, you have up to 60 days following the event to enroll in or change your plan.

**THE NEXT GET COVERED NJ OPEN ENROLLMENT PERIOD IS NOVEMBER 1, 2024 - JANUARY 31, 2025

**THE NEXT MEDICARE ANNUAL ENROLLMENT PERIOD IS OCTOBER 15, 2024 - DECEMBER 7, 2024

BOTH IN PERSON & TELEPHONE ENROLLMENTS ARE AVAILABLE

You are eligible for Original Medicare, Parts A & B when you are at least 65 years old, worked 40 quarters (For 10 Years) or if you are under 65 and qualify due to a disability or other special situation . Secondly, you must be a U.S. citizen or a legal resident who has lived in the United States for at least 5 consecutive years.
The 20-employee rule for Medicare is a regulation that determines which insurance company pays first when a Medicare beneficiary receives medical care. If your spouse's employer has 20 or more employees, their employer-sponsored health insurance plan will pay first, and Medicare will pay second. If your spouse's employer has fewer than 20 employees, or if their employer-sponsored health insurance plan is not part of a multi-employer group health plan, Medicare will pay first, and their employer-sponsored health insurance plan will pay second.

Assessing Need

Many financial experts will tell you some unforeseen events and lack of the right kind of insurance can cost you thousands of dollars. Call us today, and we'll analyze your insurance needs and get you covered quickly at an affordable price.

INDEPENDENT FINANCIAL SERVICES

CALL US TODAY!

(201) 258-9188

*Not Affiliated with any Government Agency

Available Insurance Products:

Medicare Advantage Plans

VA & Humana USAA Medicare Advantage Plans

Medicare Supplement Insurance

Marketplace Coverage(GetCoveredNJ)

International Travel Health Insurance

Temporary Health Insurance

Dual Special Needs Plans

Long Term Care

Cancer Insurance

Heart Attack/Stroke Insurance

Disability Insurance

Hospital Indemnity Plans

Prescription Drug Plans

Dental/Vision

Term Life Insurance

Whole Life

Buy Sell Agreements

Universal Life

Annuities

Business Owners Policy

Commercial General Liability

Professional Liability

Errors & Omissions

Cyber Liability Insurance

Commercial Auto

Commercial Property

Workers Compensation

Flood Insurance

CONFUSED ABOUT MEDICARE? YOU MAY WANT TO ENROLL IN EITHER

WHAT IS GET COVERED NJ INSURANCE?

Assessing Need

Available Insurance Products: