Finding the best health insurance options in Bergen County NJ for yourself, your family or your business can be a daunting task.
At Bogle Agency Insurance, we are here to help individuals and companies in Bergen County and throughout NJ with their search for the right Individual health plans, Family health plansand Group company insurance plans.
We are the best local NJ health insurance broker resource, and we will find the coverage that meets your needs and fits your budget.
The cost of health care | Bergen County NJ Health Insurance
It’s no secret that NJ healthcare is expensive. If you find yourself without the right kind of health insurance benefits, you may end up paying out of pocket for many if not all of the following services you may easily need in the years to come:
- Visits to the doctor
- Prescription drugs
- Lab tests
- Operations
- Treatments
- Physiotherapy
- Emergency visit
NJ Independent Health Insurance Agent Benefits
Independent insurance agents who specialize in NJ health insurance options, such as us at Bogle Agency Insurance, are an invaluable resource when it comes to sorting through different NJ care plan options.
You will often find much lower health insurance rates, with greater health insurance benefits when dealing with an independent health insurance agency.
Many times, an independent agent can offer you a better price than insuring you through an employer or through the government marketplace. We achieve this thanks to our ability to compare plans from several operators to ensure that we find our customers the best price and the best fit for their needs. This not only saves our customers money but also precious time.
Flexible health insurance options:
- FSAs (Flexible Spending Accounts)
- Indemnity Health Plans, HDHPs (High Deductible Health Plans)
- HSA (Health Savings Accounts)
- HMO (health care organizations)
- PPO (Preferred Provider Organizations)
Bogle Agency Insurance has over 100 years of experience!
We have more than 100 years of experience in meeting the health insurance needs of residents of Bergen County NJ. Bogle Agency Insurance provides complete service to all insurance customers, whether at the time of sale or at the time of a claim. At Bogle Agency Insurance, we sell both individual and group NJ health insurance options. We have more than 95 years of experience in meeting our insurance customers’ needs for health insurance.
Individual health insurance options in New Jersey
If you are self-employed or for some reason do not receive health insurance through an employer, you must find the right individual health insurance or family insurance depending on your situation. As an individual, you need at least a basic plan to prepare for any unforeseen health conditions or injuries.
If you have relatives, are planning to start a family in the near future or are at a higher risk of health problems, a health insurance plan with full coverage is the most suitable option. In these situations, you want to be sure that your plan pays for a wide range of circumstances and services. Within a family, even minor medical problems can occur in an instant.
NJ Group Health Insurance Options | Health insurance for companies
Group health insurance is a great benefit that is used to attract and retain high-quality employees, now more than ever! Consider the following facts:
- 60% of insured persons in the United States receive health insurance through their employer.
- Employer-sponsored group health plans are an attractive employee benefit.
- Employees state that health insurance is the most important benefit they receive from employers.
Find the right NJ health insurance options for your business
Assessing all the health insurance options for your business is difficult and can be overwhelming. Each company is unique, which means that your health insurance plan will be as well. Depending on the size of your business, you can choose a different type of health plan. A larger company may choose to provide a more comprehensive plan, which may include both an HMO and a PPO plan. While a small business may offer only one type of plan.
The difference between HMO and PPO Health Insurance Plans
- HMO (Health Maintenance Organization) plans are managed care plans that provide services through contracted hospitals and clinics. In an HMO plan, you may only see a doctor within the contracted network. HMO plans are cheaper but tend to be more restrictive.
- Preferred Provider Organization (PPO) plans are more flexible. These plans have more choices and registered employees can meet any doctor in the PPO network at a discounted price or can go outside the network and receive care at a higher price. PPO plans are the most popular choice but are also the more expensive choice for both the employer and the employees.
An independent agent at Bogle Agency Insurance can help you fully assess the options and choose the best plan for your business in Bergen County, NJ and the surrounding areas.
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