New Jersey got its own comprehensive reforms widening it's residents access to better health care and also making sure of their premium costs. Unique aspect of group health plan in NJ is nondiscrimination aspect of it's law. Coverage cannot be limited or denied, nor residents have to pay more depending on his or her health status. So it goes well when all insurance plans in the state of New Jersey limit exclusion of pre existing conditions. Another aspect is that

whenever we get sick, we need not worry about cancellation of coverage in NJ. This is fine provided we pay premiums and also like within NJ. In New Jersey if one undergoes marriage divorce, then he or she loses eligibility of insurance coverage, then can buy a conversion policy.

If we look at stats with respect to health insurance in the united states, over 70% of all medical bills are now covered by insurance companies and people covered by best known health insurance plans increased from 12 millions in 1940 to over 325 millions in 2000. People are covered not just in government health care plans but also private insurance plans as well. Still there are millions yet to come under health insurance coverages. Main reason for this is increase in premiums, with costs rising by leaps and bounds. But we can't discount importance of insurance at this age. To fill this gap restructuring of health insurance policies help a lot. To cover non-insured people two decades ago, we heard pay or play policy meaning coverage of employees in coverage or pay to a national fund that helps other uninsured workers. Along with it, government started to give tax benefits and vital incentives for those who opt for health insurance. This lead to awareness among those who didn't avail it before.

Everyone needs health care, and they have every right to get the care they need. It's just like compulsory education for all children, why not compulsory insurance for every citizen. There are reservations regarding costs and funding from government though. According to guaranteed issue of New Jersey health insurance law, one can't turn down an employer from a group health plan, on

the grounds of health status, age etc that predicts the use of health services of all others in the same group. Another unique feature is NJ program offers free health policy for pregnant women, families with children, elders, people with disabilities or those with low in comes. In fact one with very low income, has rights for free health coverage not just for him or her but for all family members also.

With increase in better medical treatment, quality rise as to how well we can tackle diseases and other ailments health system lead to tremendous improvement in the recent past. It not only gives is to live securely but gives a means of financial protection against risks for our life. So immediate need is to get suitable health insurance for us and for all family members. There has to be awareness as to why we need to choose health insurance. There are millions who don't even understand veracity of this argument. It's not something one can take easy.

When it comes to individual health policy in NJ, companies are not allowed to reject residents based on their health status, gender etc. Only thing is one must reside in New Jersey for six months. In NJ if one is under thirty years, and still covered under group plans to dependents, then instead of going for individual health insurance he or she have option to get coverage under their father or mother's plans. Also adopted children come into parents individual health insurance for close to a month. After a month's stipulation period parent has to enroll them as dependents though.

With rapid change in standards in every walk of life, expenses for medical treatment are also on steep rise. This has to happen as better treatment always demands more cost. One who can't afford higher costs of medical treatment; tend to go for cheap treatment, which may land them in more trouble. So it's better for this category of people to opt for health insurance, without which they will suffer in the long run. It's also important they understand benefits of having insurance.

For everyone health is really vital, something invaluable. Decisions that affect our health, impinges future courses of action, directly or indirectly. As people say, we must take all the care when it comes to dealing with our most precious possession. The thing is our body get's older with time; it has to cope with toxins and microbes ill affects. In whatever way we try to maintain our immune system, there is always a scope for decay, which is human in nature. We can never expect when a dreaded disease strikes us, or what may happen with our health. Before we plunge into deep trouble, we must realize that here comes importance of a medical insurance in life.

New Jersey Medical insurance plays an important role in our life. It's well known that our medical insurance is an agreement in which we pay a stipulated consideration, which is called 'premium', to the insurer in return for which the insurer agree to pay for any treatment, which may cost thousands of dollars whenever we are admitted to hospital. We can also say that purpose of medical insurance is that when we avail some medical services insured, we need not bother paying at the time we receive service. Medical insurance is only the guaranty that the insurance company will cover the treatment expense for getting well again.

Not having medical insurance surely affects our daily life, when we keep being worried if anyone in our family falls ill or how we going to pay for doctors and medical costs. This way we can easily remove constant worries lurking in our mind. Before opting for suitable medical insurance, we need to be choosy as to which plan suits us best. Some insurers introduce more flexibility covering expenses in private hospitals also, more so because these days there are more opportunities for us to get covered for lesser cost. So one must understand nuances of having a health insurance policy in New Jersey.