Walter O. Rogers Insurance Services
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Protect Your ASSets

Affordable Health insurance
Get a quote and apply today

Contact Us   201 641 2233
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Family Health Insurance

 45 years of insurance expertise and
​quality service


We can help you with Individual & Group Health insurance including the new Health Exchange for both Individual and Shop (small business) coverage.


Health Insurance
Ask about different plans -  
  • ​​EPO
  • HMO
  • POS
  • PPO
  • and more..

Cost effective plans

FREE Multiple
​
 carrier quotes

Explanations of all copays, deductibles & co-insurance plan options

Craig's advice.. 

"Open enrollment for Health insurance effective January 1st, 2018 is available November 1, 2017 - December 15, 2017.  So unless you qualifying for a Special Enrollment Period (see below) you can't get health until that time."

The 4 metal plans

Plans in the Health Insurance marketplace consist of 4 "metal” categories  ( Catastrophic plans are also available to some people )​.  Metal plans are based on you and your plan split health care costs.​
  • Bronze   60% average plan pays
  • Silver   70% average plan pays
  • Gold  80% average plan pays
  • Platinum   90% average plan pays

Qualifying events for a Special Enrollment Period

There are 9 triggers that would permit you to obtain health coverage outside the annual open enrollment period.  Contact our office for further detail on each.
  • Involuntary loss of other coverage  Cancelling the plan or failing to pay the premiums does not count as involuntary loss.
  • Individual plan renewing outside of the regular open enrollment. allows a special open enrollment for people whose health plan is renewing – but not terminating – outside of regular open enrollment.
  • Becoming a dependent or gaining a dependent as a result or birth, adoption, or placement in foster care.
  • Marriage  If you get married, you have a 60 day open enrollment window that begins on your wedding day.
  • Divorce  If you lose your existing health insurance due to a divorce and other (court ordered children coverage, etc.).
  • Becoming a United States Citizen  this qualifying event only applies within the exchanges.
  • A permanent move to an area where different qualified health plans (QHPs) are available. A permanent move to a new state will always trigger a special open enrollment period, because each state has its own health plans. Even a move within your state may apply.
  • An error or problem with enrollment (or non-enrollment) that was the fault of the exchange, HHS, or an enrollment assister
  • Employer-sponsored coverage reducing benefits such that it no longer provides minimum value, or becomes unaffordable - employee pays more than 9.66 percent of income for just the employee’s portion of the coverage in 2016

Don't wait..

Your health, family and home... the most important things in life to care for.  
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No Liability Implied or Stated
Walter O. Rogers Insurance Services, its associated companies, its officers, directors, associates, agents, or employees, or any other person associated with this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort negligence, or otherwise) that may arise in any connection with use of this Site, including any indirect, direct, special, third party, or consequential damages. Every Insurance Policy package has limits and exclusions. It is the responsibility of each individual and company to be knowledgeable and aware of the wordings and coverage's for their Insurance Policy.   Copyright © 2015
  • Home
  • About Us
  • Homeowners
  • Flood
  • MC/RV/boats
  • Business
  • AUTO
    • Personal Auto
    • Commercial Auto
  • Life
  • Health
  • Products
  • Contact
  • Bonds
  • Blog
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