Individual Health Insurance for
Meet Our Specialists: Laura Mount
Laura holds an MBA in Risk Management and Insurance. With over fifteen years of experience, Laura specializes in individual and group health insurance. She is certified to assist and enroll individuals/companies for health insurance through the NJ Federally Facilitated Marketplace. Her certifications consist of the following:
- National Association of Health Underwriters Health Care Reform Certification for The Patient Protection and Affordable Care Act
- Individual Marketplace Certified for 2017 and 2018
YOU MUST GIVE THE MARKETPLACE OUR NATIONAL PRODUCER NUMBER (NPN) 7872262 FOR LAURA MOUNT. WRITE DOWN YOUR APPLICATION ID NUMBER, THE AMOUNT OF THE SUBSIDY AND THEN CONTACT US FOR PLAN OPTIONS
Kathi is a licensed Health Insurance Agent in New Jersey. She has been working hard at NorthEast Insurance Services and in the insurance industry for two years. She specializes in Life and Health Insurance. For personal assistance with your health insurance needs please contact Kathi at 800.290.8120 x1100.
Enrolling for Health Insurance Information
Did you know you can consult and use a broker regarding Health Insurance and it doesn't increase your rates?
Here at North East Insurance Services, we are licensed and certified to assist in enrolling you and your family in an individual plan through The Federally Facilitated Marketplace or directly with the insurance carrier.
You must apply during open enrollment beginning on November 1st each year. The 2018 open enrollment window is scheduled to close December 15th, 2017 for a January 1st, 2018 effective date.
Open enrollment is a window of time where you can choose to enroll in an individual Health Insurance plan through the Marketplace or directly with a Health Insurance carrier in your state. Outside of open enrollment you MUST have a Special Enrollment Period (SEP) in order to enroll in coverage. You will have 60 days following certain life events to enroll in coverage. These events included but are not limited to marriage, divorce, childbirth, adoption, loss of other minimal essential coverage, and moving to a new state. All individual plans will renew January 1st regardless of their effective date.
How Do You Know if You Qualify For A Subsidy?
Depending on the size of your family and annual household income, you may be eligible for a subsidy from the government; this includes single individuals as well. You should check the Federal Guideline. A subsidy may help you pay for all or part of your Health Insurance premium.
The fastest way to find out if you qualify for a subsidy would be to visit the United States Healthcare website or by calling them directly at 1-800-318-2596. They will ask you for personal and income information to verify your eligibility for a subsidy. Let them know you are working with a broker to choose a plan. This does not affect your rates. You must give the Marketplace our National Producer Number (NPN) 7872262 for Laura Mount. Write down your application ID number, the amount of the subsidy and then contact us for plan options. It will be easier for us to guide you in choosing a plan once we know how much you are eligible for.
Individual Health Insurance Carrier Websites
HEALTH REPUBLIC OF NEW JERSEY
HORIZON BCBS OF NEW JERSEY