New Jersey Drug Card
New Jersey Drug Card is a FREE statewide discount prescription assistance program. New Jersey residents can download a FREE card and locate participating pharmacies by visiting www.msnj.org/drugcard.
- When Out-of-Network Care Can Be Covered in Network
- Health Insurance Marketplace (open enrollment: 11/1/15 through 01/31/16) More information.
- Guidance for Individual Plans in New Jersey
- Understanding Healthcare Prices: A Consumer Guide
- FAIR Health Treatment Cost Estimater
- What you need to know about OMNIA Horizon’s new insurance product:
Is the OMNIA plan right for you? Find out about the different plan options here.
As a patient, you will want to determine if your physician and other providers (including hospitals) are in the network. In addition, patients should check to see if the provider is Tier 1 or Tier 2. It is important to note that you will pay more out of pocket to see a Tier 2 provider. If your current physician is designated as Tier 2, you may want to choose other insurance coverage. And, as with all “high deductible” plans, patients should understand that they will have higher upfront costs as compared to traditional plans. Though a plan may have a low premium, patients should understand that deductibles (out of pocket cost when accessing healthcare) may be high.
Read about high deductible plans here and here.
MSNJ is working to ensure that patients know their options and costs through legislation that would require carriers and plans to explain this clearly.
We also urge carriers to comply with laws that require network adequacy. Many insurance products do not have the amount of doctors, especially much needed specialists, that they should in the network. Let us know if you cannot find a doctor in network. And, keep in mind that patients experiencing difficulty in finding an in-network physician may contact their insurance company to request an in-network exception. Read more.
News about OMNIA:
MD or DO
What is the difference between an MD and a DO?
Doctors of medicine (MDs/sometimes called allopathic physicians) are the main branch of the medical profession, educated at accredited medical schools in this country or in other countries. They generally receive additional training as residents, pass national medical examinations, and are licensed to practice medicine by the New Jersey State Board of Medical Examiners.
Doctors of osteopathic medicine (DOs) constitute about a 100-year old branch of the medical profession, educated at accredited osteopathic schools. They receive additional training as interns and as residents and pass their own national examinations, and are licensed by the New Jersey Board of Medical Examiners for the same scope of practice as MDs, although many DOs also perform bone manipulation.
NJ State Agencies
How do I file a complaint against a physician?
MSNJ only accepts complaints against physicians who are members of our organization. If the physician is a member of MSNJ, the County Medical Society's Judicial Council may be able to help resolve your issue. Please contact the Executive Director of the County Medical Society for assistance.