We are an Elmwood Park, NJ insurance agency, offering affordable New Jersey
health insurance policy premiums to residents of the following cities and counties:
Paterson, Garfield, Saddle Brook, Clifton, Preakness, Paramus, Bergenfield,
Englewood, Teaneck, Maywood, Bogota, Hackensack, Teterboro, Little Ferry,
Moonachie, Leonia, Palisades Park, Fort Lee, Englewood Cliffs, South
Hackensack, East Rutherford, North Bergen, Ridgefield, Secaucus, West New
York, North Arlington, Kingsland, Nutley, Rutherford, Belleville, Carlstadt,
Woodridge, Lyndhurst, Wallington, Passaic, Lodi, Rochelle Park, Bloomfield,
Montclair, Great Notch, Totowa, West Paterson, Little Falls, Verona, Cedar Grove,
North Caldwell, Singar, West Orange, Fair Lawn, Glen Rock, Hawthorne, Wayne,
Haledon, River Edge, Tenafly, Cresskill, Closter, Oradell, Emerson, Ridgewood,
Midland Park, Westwood, Waldwick, Wyckoff, Franklin Lakes, Pompton Plains,
Lincoln Park, Old Tappan, Hillsdale, Oakland, Pequannock, Lake Hiawatha, East
Orange, Newark, Hudson County, Bergen County, Passaic County, Essex
County, and Morris County, NJ. We can also offer our New Jersey health
insurance services throughout the Garden state.
New Jersey Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
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, Abbey's Financial
can offer affordable HMO, PPO, POS, and Major Medical Health Insurance
policy coverages throughout New Jersey, with a focus on the northern NJ
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.
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
New Jersey by clicking on a link below or click on the
link for information on Major Medical health insurance.
Click on the link below to fill out a secure quote
request form for a New Jersey health insurance policy
that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with
one of our New Jersey Health Insurance agent
specialists at 201-796-6303 to discuss the policy
features in more detail.
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - New Jersey
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 from where you live in New Jersey. 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 a New Jersey HMO health
maintenance plan.
Click on the link below to fill out a secure quote request form for a New Jersey HMO
health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with one of our New Jersey Health
Insurance agent specialists at 201-796-6303 to discuss the policy features in more
detail.
* 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
PPO Health Insurance Policy Overview - New Jersey
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 New Jersey PPO health
insurance plan.
Click on the link below to fill out a secure quote request form for a New Jersey
family or individual PPO health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak with one
of our New Jersey Health Insurance agent specialists at 201-796-6303 to discuss
the policy features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - New Jersey
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 New Jersey POS health
insurance plan.
Click on the link below to fill out a secure quote request form for a New Jersey
family or individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak with one
of our New Jersey Health Insurance agent specialists at 201-796-6303 to discuss
the features in more detail.
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 New Jersey 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. New Jersey
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 a New
Jersey HMO, PPO, or POS plan.
Click on the link below to fill out a secure quote request form for a New Jersey family
or individual Fee-for-Service / Major Medical health insurance policy that provides
excellent health insurance coverage and services at an affordable cost. Or you can
speak with our New Jersey Health Insurance agent specialists at 201-796-6303 to
discuss the features.
Learn more about the other types of New Jersey Individual or Family Health
Insurance polices we offer by clicking on a link below!
Learn more about the other types of New Jersey Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of New Jersey Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of New Jersey Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
New Jersey Health Insurance Information
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Abbey's Financial
27 Broadway
Elmwood Park, NJ 07407
Bergen County, NJ
(201) 796-6303
Fax: (201) 796-5039
New Jersey
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