Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, American Insurance
Services Agency can offer affordable HMO, PPO, and POS health insurance
coverages throughout New Jersey, including the Bergen County, Essex
County, and Union County metro area.
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than plans
that limit choices. Individual and family health insurance
plans that help to manage the care you receive, such as
PPO and POS plans, usually cost you less, but you must
give up some freedom of choice.
We offer affordable Major Medical, HMO, POS, and PPO managed health
care plan insurance policies in the following New Jersey counties and cities:
Union County, Essex County, Bergen County, Passaic County, Sussex County,
Morris County, Warren County, Hunterdon County, Somerset County,
Middlesex County, Monmouth County, Mercer County, Burlington County,
Clark, Newark, Jersey City, Elizabeth, Rahway, Colonia, Iselin, Avenel,
Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North
Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield,
Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex,
Martinsville, Piscataway, Edison, New Brunswick, Highland Park, North
Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken,
Union City, Weehawken, West New York, Guttenberg, Cliffside Park,
Edgewater, North Bergen, Secaucus, Fairview, Ridgefield, Fort Lee, Leonia,
Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus,
Bogota, Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South
Hackensack, Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle
Brook, Garfield, Elmwood Park, Woodridge, Carlstadt, East Rutherford,
Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson, Totowa, West
Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona,
Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley, Kingsland,
North Arlington, Kearney, Harrison, East Orange, East Newark, Orange,
Irvington, South Orange, Hillside, Townley, Livingston, Wayne, Trenton,
Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.
Click on the link below to fill out a quote request form
for a New Jersey Individual or Family Insurance policy
that will provide excellent health insurance coverage at
an affordable cost. Or discuss the features with our
New Jersey Family Health Insurance agent specialist
by calling 732-680-4444.
Subscribers to an HMO receive medical services from
participating physicians, clinics and hospitals. You choose
a primary care physician (PCP) from a list of
participating doctors. That doctor is used for typical
circumstances such as annual exams and usual health
issues. If you need to see a specialist, be hospitalized, or
have lab or X-ray work, your doctor will refer you to a
provider or facility within the HMO system. Your doctor
must give authorization for those services to be covered
by your HMO. In other words, you must see HMO
approved physicians and use HMO approved facilities or
pay the entire cost of the visit yourself.
Similar to Point-of Service (POS) and PPO's, HMO's
have made arrangements for lower fees with a network
of health care providers and give their policyholders a
financial incentive to stay within that network.
You may have to pay some portion of the cost (co-
payment) for each office or hospital visit, such as $20 -
$30 per doctor visit, regardless of what the services cost.
Also, some services such as emergency room, mental
health and chemical dependency services, may carry
additional costs in an HMO health maintenance plan.
PPO Health Insurance Policy Overview (Family or Individual)
You can see any health care professional in the network any time you choose
to make an appointment. You don't need referrals for specialists or other
services as you do in an HMO. You can see doctors or specialists outside
your PPO network, however, your portion of the costs will be higher.
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services
cost. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a PPO health insurance plan.
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by
the insurance. Care you receive from out-of-plan health care
professionals is reimbursed, but you must pay an often times much higher
co-payment or deductible amount. While you may choose to see a
physician outside the network, if you don't receive permission from your
(PCP) primary care physician, you're likely to end up submitting the bills
yourself and receiving only a small reimbursement - if any.

Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services
covered by the policy.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a POS health insurance
plan.
Major medical health insurance provides benefits up to a high limit for
most types of medical expenses incurred, subject to a deductible. Once
you meet the deductible, our New Jersey Major Medical Insurance plans
pay a percentage of what is considered the "Usual and Customary"
charge for covered services. The insurance company generally pays 80%
of the Usual and Customary costs and you pay the other 20%, which is
known as co-insurance. If the insurance company charges more than the
Usual and Customary rates, you will need to pay both the co-insurance
and the difference.
With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible
such as $250 or more to pay each year before the insurer starts paying.
The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.
Major medical insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and
other health care providers than managed care plans, such as HMO,
PPO, and POS. Major Medical Insurance may not pay for some
preventive care, such as check-ups, and is usually a more expensive
health insurance coverage than utilizing an HMO, PPO, or POS plan.
Managed Health Care Plans:
Health Insurance
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Learn more about HMO, PPO, and POS managed
health care insurance plans by clicking on a link below
or click on the link for information on Major Medical
health insurance.
New Jersey Managed Care Health Insurance - HMO, PPO & POS
HMO Health Insurance Policy Overview
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
Click on the link below to fill out a quote request form for a New
Jersey Individual or Family HMO Health Insurance plan policy that
will provide excellent health insurance coverage at an affordable
cost. Or discuss the features with our NJ Family Health Insurance
agent specialist by calling 732-680-4444.
* Convenient access to quality health care
* Large and diverse network available of primary care physicians, specialists,
hospitals & clinics.
* Pay for services as they are provided
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health
Insurance Plan Polices we offer in New Jersey by clicking on a link
below!
Managed Health Care Plans:
Click on the link below to fill out a quote request form for a New Jersey
Individual or Family PPO Health Insurance plan policy that will provide
excellent health insurance coverage at an affordable cost. Or discuss the
features with our NJ Family Health Insurance agent specialist by calling
732-680-4444.
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance
Plan Polices we offer in New Jersey by clicking on a link below!
Copyright 2004-2008 American Insurance Services Agency - All rights reserved
POS Health Insurance Policy Overview (Family or Individual)
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
Managed Health Care Plans:
Click on the link below to fill out a quote request form for a New Jersey
Individual or Family POS Health Insurance plan policy that will provide
excellent health insurance coverage at an affordable cost. Or you can
discuss the features with our NJ Family Health Insurance agent specialist
by calling 732-680-4444.
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health
Insurance Plan Polices we offer in New Jersey by clicking on a link
below!
Managed Health Care Plans:
Click on the link below to fill out a quote request form for a New Jersey
Individual or Family Major Medical Health Insurance plan policy that will
provide excellent health insurance coverage at an affordable cost. Or
discuss the features with our New Jersey Family Health Insurance agent
specialist by calling 732-680-4444.
Learn more about the Individual or Family Managed Health Care
Insurance Plan Polices we offer in New Jersey by clicking on a link below!
"Your Local New Jersey Health Insurance Agent Specialist!"
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American Insurance
Services Agency
1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067