NJ State Health Insurance Programs and Coverage
NJ State Health Insurance is as profitable and beneficial as the standard
health insurance. The difference is only on the provider. The standard insurance
is provided by private insurance company while the NJ state insurance is
provided by the New Jersey State. Also known as SHBP or State Health Benefits
Program, it was first built in 1961. What this insurance offers is prescription
drug and medical coverage for all the qualified local and state government
public employees, eligible dependants and retirees. This insurance also covers
the dental coverage to all qualified local and state government public
employees, retirees and also the eligible dependants. But in order to
participate in it, the employers have to adopt a resolution.
Who’s Responsible for The Insurance
In this case, the SHBC or State Health
Benefits Commission takes the control. The SHBC is an executive organization
that is responsible to oversee the SHBP. The program itself is found Statutes
Annotated of New Jersey, Title 52 in the Article of 14-17-25. What these rules
govern are about the administration and operation of the program.
Recently, there has been a new program
known as SEBHP which refers to School Employee Health Benefit Program that was
built back in 2007. This particular program is not different in terms of
coverage. Only, it is intended for all qualified employees, eligible dependants
and retirees of the local public education institution. Of course, the
employers have to adopt a resolution first to be able to participate in it.
State Health Benefits Program
Like other health insurance, this state
health program also offers a variety of benefits. For the government public employees,
the benefits are simply numerous and are as good as the benefits offered by
private insurance plan. In fact, this program is considered more beneficial for
the employers. For instance, the benefit covers for the fact that the local
employers have the flexibility to limit number of coverage or plan given to the
employees. In other words, the health plan or insurance is customizable. This
certainly is a very good benefit. Moreover, the NJ State is the one responsible
to pay for this plan instead of the employers so it makes a really good deal.
Overall, considering the term of this
health plan as national program providing both counseling and assistance to the
beneficiaries and families, this certainly makes a good program. Both employees
and their eligible dependants can enjoy the benefits.
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