South Jersey Health Insurance Counseling

Health Insurance

Choosing a plan that’s right for you and your family can be confusing. Call Virtua's Personal Health Navigators who will help you choose a health insurance plan that includes your preferred doctors, hospitals, labs and more.

Call 1-888-VIRTUA-3 (1-888-847-8823) today.


Monday - Friday
8 am to 8 pm

Saturday
9 am to 5 pm

Sunday
9 am to 4 pm

I Do Not Currently Have Health Insurance

As of January 1, 2014, the law requires you to have health insurance. If you need to purchase health insurance through the federal exchange, it’s important to understand that:

  • You can no longer be denied coverage based on pre-existing conditions.
  • You may qualify for an exemption from obtaining healthcare insurance.
  • You may be exempt from carrying insurance.
  • Choosing the right plan can be confusing. Call Virtua at 1-888-VIRTUA-3 (1-888-847-8823) for assistance.
  • Not all insurance plans on the exchange include your preferred doctors, hospitals or other healthcare facilities.
  • Medicaid has been expanded for New Jersey residents. To find out if you are now eligible, call Virtua’s FREE Health Insurance Counseling Service at 1-888-VIRTUA-3 (1-888-847-8823).

If you choose to purchase your health insurance through the Healthcare Marketplace (healthcare.gov) and want the option of receiving coverage for care provided by Virtua Hospitals and its physicians, there are several plans that will work for you.

Virtua is included in the following marketplace plans for 2017:

AmeriHealth New Jersey 
In Network, Tier 1 Plans

Bronze EPO HSA Local Value 

Bronze EPO Tier 1 Advantage 

Gold EPO HSA Local Value 

Gold HMO Local Value 

Local Value Simple Saver

Regional Preferred Simple Saver

Silver EPO HSA Local Value

Silver EPO HSA Tier 1 Advantage 

Silver HMO Local Value

Bronze EPO HSA Regional Preferred 

Gold EPO Regional Preferred 

Gold HMO Regional Preferred 

Silver EPO Regional Preferred 

Silver HMO Regional Preferred  

 

In Network, Tier 2 Plans

Bronze EPO AmeriHealth Advantage 

Gold EPO AmeriHealth Advantage 

Silver EPO AmeriHealth Advantage 


Horizon Blue Cross/Blue Shield
In Network, Tier 1 EPO Plans
Horizon Advantage EPO Bronze
Horizon Advantage EPO Essentials
Horizon Advantage EPO Silver

*In Network, Tier 2 Plans
Horizon Blue Cross Blue Shield of NJ Omnia Bronze EPO 
Horizon Blue Cross Blue Shield of NJ Omnia Gold
Horizon Blue Cross Blue Shield of NJ Omnia Silver 
Horizon Blue Cross Blue Shield of NJ Omnia Silver H.S.A


*Tier 2 plans may require more out-of-pocket expense.
___________________________________

EMERGENCY CARE:
No matter which plan you choose, emergency care at Virtua is covered by all carriers.

I Have Medicare

If you have Medicare, your coverage will likely remain the same. If you have questions, you can visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

I Have Medicaid

Managed Medicaid Plans
The following plans provide coverage for care provided at Virtua hospitals and physicians. 

Aetna Better Health
Amerigroup
Horizon NJ Health
United Community Plan
WellCare


If you have basic Medicaid, your coverage will likely remain the same. If you have questions about Medicaid or your secondary insurance, please call Virtua’s FREE Health Insurance Counseling Service at 1-888-VIRTUA-3 (1-888-847-8823) for assistance. 


I Get Health Insurance Through My Employer or Directly Through an Insurance Company

Aetna
The following plans provide full coverage for care provided at Virtua hospitals and its physicians.

Aetna Choice POS II 
Aetna Choice ™ POS 
Aetna Elect Choice (EC) 
Aetna Health Network Only (HNOnly)
Aetna Health Network Option (HNOption)
Aetna HMO
Aetna Indemnity
Aetna Limited Benefits Insurance Plan (PPO)
Aetna Managed Choice POS
Aetna Medicare Plans (PPO, HMO, HMO Open Access)
Aetna Medicare Prime (PPO, HMO)
Aetna Open Access HMO 
Aetna Open Access Managed Choice (OA MC)
Aetna Open Access® Elect Choice® 
Aetna Open Choice PPO 
Aetna QPOS
Aetna Select 
HRA - HMO-Based - Aetna HealthFund® Health Reimbursement Account 
HRA - PPO-Based - Aetna HealthFund® Health Reimbursement Arrangement 
HSA - AetnaHealth Fund® Health Savings Account
Open Access Aetna Select  
Traditional Choice (TC) 


Amerihealth 
The following plans provide full coverage for care provided at Virtua hospitals and its physicians.

Amerihealth 65 HMO
Regional Preferred (EPO), (EPO HSA), (PPO)
Regional Preferred (HMO), (HMO+), (POS), (POS+)
National Access (EPO), (EPO HSA), (POS+)


Horizon Blue Cross/Blue Shield of New Jersey 
The following plans provide full coverage for care provided at Virtua hospitals and its physicians.
Horizon PPO
Horizon Direct Access
Horizon Direct Access HSA/HRA
Horizon Advantage Direct Access
Horizon Advantage EPO
Horizon HMO Access
Horizon HMO Access HSA MyWay
Horizon Access Value
Horizon HMO
Horizon Medicare Blue Value
Horizon Medicare Blue Choice
Horizon Medicare Blue Patient Centered
Horizon Medicare Blue Access Group
Horizon Medicare Blue Group PPO
NJ DIRECT
Horizon Patient-Centered Advantage EPO
Horizon POS
Federal Employee Plans


CIGNA
The following plans provide full coverage for care provided at Virtua hospitals and its physicians:

GWH-CIGNA Open Access Plus
CIGNA Choice Fund Open Access Plus
Open Access Plus
PPO
Shared Administration OAP, PPO Plus
HMO or POS Open Access
Network Open Access
Local Plus


United Healthcare/Oxford Health Plans
The following plans provide full coverage for care provided at Virtua hospitals and its physicians:

United Core
United Core Essential
United Medicare
United Oxford EPO – Garden State Network

Managed Medicaid Plans
The following plans provide full coverage for care provided at Virtua hospitals and its physicians.

Aetna Better Health
Amerigroup
Horizon NJ Health
United Community Plan


Other HMO & PPO Plans
The following plans provide full coverage for care provided at Virtua hospitals and its physicians.  If you have any questions about whether your plan is accepted, please call Virtua's Patient Accounting Department at 1-856-355-2000.

CIGNA Behavioral Health *
CHN Solution (formerly Consumer Health Network)
Coventry Health
Devon Health Services
Family Health Choice Alliance *
First Health Network
First MCO
Galaxy Health Network
Health Integrated (formerly CMS Healthcare)
Healthnet Federal/Tricare
Independence Blue Cross
Intergroup Services
Keystone Health Plan
Magellan Behavioral *
Magnacare PPO
Managed Health Network *
Multiplan PPO
Oxford Health Plans
Private Health Care Systems
Qualcare, Inc.
Three Rivers Network
Uniformed Services Family Health Plan
United Behavioral Health *
United Healthcare
USA Managed Care Organization
WellCare
Wellchoice

* Virtua Memorial Hospital Burlington County only

I Buy Health Insurance through the Exchange (Healthcare.gov)

If you choose to purchase your health insurance through the Healthcare Marketplace (healthcare.gov) and want the option of receiving coverage for care provided by Virtua Hospitals and its physicians, there are several plans that will work for you.

Virtua is included in the following marketplace plans for 2017:


AmeriHealth New Jersey 
In Network, Tier 1 Plans

Bronze AmeriHealth IHC Bronze EPO HSA Local Value
Silver AmeriHealth IHC Silver EPO HSA Local Value
Silver AmeriHealth IHC Silver HMO Local Value
Gold AmeriHealth IHC Gold HMO Local Value
Gold AmeriHealth IHC Gold EPO HSA Local Value
Catastrophic AmeriHealth IHC Local Value Simple Saver

Bronze AmeriHealth IHC Bronze EPO HSA Regional Preferred
Silver AmeriHealth IHC Silver EPO Regional Preferred
Silver AmeriHealth IHC Silver HMO Regional Preferred
Gold AmeriHealth IHC Gold EPO Regional Preferred
Gold AmeriHealth IHC Gold HMO Regional Preferred
Catastrophic AmeriHealth IHC Regional Preferred Simple Saver

Bronze AmeriHealth IHC Bronze EPO Tier 1 Advantage
Silver AmeriHealth IHC Silver EPO HSA Tier 1 Advantage


*In Network, Tier 2 Plans

Bronze AmeriHealth IHC Bronze EPO Amerihealth Advantage
Gold AmeriHealth IHC Gold EPO Amerihealth Advantage
Silver AmeriHealth IHC Silver EPO Amerihealth Advantage
 


Horizon Blue Cross/Blue Shield
In Network, Tier 1 EPO Plans
Horizon Advantage EPO Bronze
Horizon Advantage EPO Essentials
Horizon Advantage EPO Silver

*In Network, Tier 2 Plans
Horizon Blue Cross Blue Shield of NJ Omnia Bronze EPO 
Horizon Blue Cross Blue Shield of NJ Omnia Gold
Horizon Blue Cross Blue Shield of NJ Omnia Silver 
Horizon Blue Cross Blue Shield of NJ Omnia Silver H.S.A.


Tier 2 plans may require more out-of-pocket expense.


EMERGENCY CARE:
No matter which plan you choose, emergency care at Virtua is covered by all carriers.

Health Insurance FAQs

What is healthcare reform and the Affordable Care Act (Obamacare)?
The phrase "healthcare reform" refers to the Patient Protection and Affordable Care Act that was signed into federal law in March 2010. The goal is to help more people access health insurance coverage and medical care.


Am I required to have health insurance?

Most people are required to have health insurance or face tax penalties. There are exceptions to this requirement for those with certain religious beliefs, Native American tribal members and those with incomes below a certain level.


What is the health insurance exchange?

The health insurance exchange is a federally-run program where you can purchase your own health insurance. The exchange, or marketplace, can be accessed at healthcare.gov or cuidadodesalud.gov.


Where else can I buy health insurance?
In addition to the health insurance exchange, you can also obtain insurance through your employer. You can also opt in to buy insurance directly from a commercial insurance company or through an insurance broker.


What do I need to do now?
If you currently get healthcare coverage through your employer or if you are self-employed and purchase your health insurance directly from the insurance company and you are happy with your coverage, there’s nothing for you to do. If you are unhappy with your current coverage, there are many plans available to you. You can change plans during open enrollment.

If you have Medicare, your coverage will likely remain the same. If you need more information, visit medicare.gov or call 800-MEDICARE (800-633-4227).

If you work for a company with 50+ employees and does not currently offer healthcare coverage, this may change in the next year. Contact your human resources department for more information.

If you currently live in New Jersey, do not have insurance and need to purchase insurance through the federal health insurance exchange, open enrollment begins November 15, 2014.

Whether you plan to purchase health insurance through the federal exchange or directly from an insurance company, call Virtua’s FREE Health Insurance Counseling Service at 1-888-VIRTUA-3 (1-888-847-8823) to ensure you choose the right plan for your family.


I like going to Virtua, do I need to switch insurance plans?
Many changes are happening throughout the insurance industry. If you currently use Virtua’s services (doctors, labs, hospitals, imaging/radiology), you should check with your insurance company to be sure that Virtua is still included in your plan.


If I have a medical emergency, can I still come to Virtua?
Yes, emergency care is covered through all insurance plans.

If you have additional questions that are not outlined here in this FAQ, call Virtua’s FREE Health Insurance Counseling Service at 1-888-VIRTUA-3 (1-888-847-8823). Our healthcare consultants are specially trained to answer your questions and help you get started.

When Can I Enroll?

Open enrollment begins on November 1, 2015 and closes on January 31, 2016. In this time you can purchase a new healthcare plan for 2016. Now is the time to find out if Virtua is included in the plans you are looking at.

Ask your employer about Aetna Whole Health℠- Virtua

aetnafamily

Aetna Whole Health - Virtua

Through Aetna Whole Health - Virtua, employers can now offer employees a plan that features the region's best physicians as well as Virtua's services.

Read More