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Insurance and Billing

Insurance and Billing

Thank you for choosing CarePoint Health for your care. Below you will find a list of in-network insurance carriers for our three CarePoint Health hospitals and for our CarePoint Health physicians, including numbers you can call for help. If you have a question, please feel free to call us or to fill out the form on this page.

What type of insurance do I need to receive care at CarePoint Health?

  • We accept every insurance plan regardless of your insurance carrier.
  • You are welcome to use any and all services that we provide, both for inpatient and outpatient treatment.
  • We do not restrict access based on your insurance benefits and will be happy to answer any and all questions related to your next visit.
  • To our knowledge, in all cases, insurance plans will limit patient responsibility for emergency services to the amount of the patient’s in-network co-payments and deductibles, but patients should contact their insurance carrier for additional information.

*Please note some insurance plans only provide benefits for in-network services, while other insurance plans provide benefits for both in-network and out-of-network services, but with greater patient cost sharing for out-of-network. Patients should contact their insurance company for more detailed information about their benefits and any cost-sharing or co-pays that may be required.

How are medical emergencies treated when out of network?

In nearly all circumstances, your insurance carrier is obligated to limit your financial responsibility to the same amount that you would be responsible for at an in-network provider. This is to protect you in a medical emergency and to ensure that you receive access to the closest, most appropriate care in the event of a medical emergency, regardless of network status.

I received a bill following services and I suspect it was not paid correctly by my insurance or the balance I owe is not correct?

If you receive a bill for any amount that does not seem correct, do not pay the balance. First, please contact our Insurance Help Desk at 866.261.0801 so that we can review your account and balance with you and, if necessary, with your insurance carrier, to ensure that the statement is accurate per the services received and the applicable insurance benefit level.

CarePoint Health is non-participating with my insurance carrier, I arrived to the emergency room, and now my physician wants to admit me to the hospital. Will my stay be covered?

Yes, your stay will be covered. When there is a medical necessity to be admitted to the hospital following a visit to the emergency room, in nearly all cases, your insurance carrier is required to limit your patient responsibility to the same amount you would otherwise pay at any other participating provider.

Insurance: CarePoint Health Hospitals

If at any time you need help with an insurance matter, please call our Insurance Help Desk at 866.261.0801.

Bayonne Medical Center participates in-network with many insurance plans including the following:

  • 1199 SEIU
  • Amerigroup (MCAID/MCARE)
  • AmeriHealth (Tier 2)
  • Champus
  • Clover
  • City of Hoboken (I.A.A. Cigna)*
  • Consumer Health Network
  • GHI
  • Health First (MCAID/MCARE)
  • Horizon BCBS
  • Horizon Casualty
  • Horizon NJ Health
  • Horizon Omnia (Tier 2)
  • Magnacare
  • Medicaid
  • Medicare
  • NJ Carpenters Fund
  • Royal Caribbean Cruises
  • Tricare
  • UMR (Clover only)
  • Wellcare

* CarePoint Health hospitals are directly contracted with the City of Hoboken’s self-funded health plan. All employees covered under the city’s health plan will continue to be covered as in-network at all CarePoint Health hospitals.

Christ Hospital in Jersey City participates in-network with many insurance plans including the following:

  • 1199 SEIU
  • Amerigroup (MCAID/MCARE)
  • AmeriHealth (Tier 2)
  • Champus
  • Clover
  • City of Hoboken (I.A.A. Cigna)*
  • Consumer Health Network
  • GHI
  • Health First (MCAID/MCARE)
  • Horizon BCBS
  • Horizon Casualty
  • Horizon NJ Health
  • Horizon Omnia (Tier 2)
  • Magnacare
  • Medicaid
  • Medicare
  • NJ Carpenters Fund
  • Royal Caribbean Cruises
  • UHC Community
  • Tricare
  • UMR (Clover only)
  • Wellcare

* CarePoint Health hospitals are directly contracted with the City of Hoboken’s self-funded health plan. All employees covered under the city’s health plan will continue to be covered as in-network at all CarePoint Health hospitals.

Hoboken University Medical Center participates in-network with many insurance plans including the following:

  • 1199 SEIU
  • Amerigroup (MCAID/MCARE)
  • AmeriHealth (Tier 2)
  • Champus
  • Clover
  • City of Hoboken (I.A.A. Cigna)*
  • Consumer Health Network
  • GHI
  • Health First (MCAID/MCARE)
  • Horizon BCBS
  • Horizon Casualty
  • Horizon NJ Health
  • Horizon Omnia (Tier 2)
  • Magnacare
  • Medicaid
  • Medicare
  • NJ Carpenters Fund
  • Royal Caribbean Cruises
  • Tricare
  • UMR (Clover only)
  • Wellcare

* CarePoint Health hospitals are directly contracted with the City of Hoboken’s self-funded health plan. All employees covered under the city’s health plan will continue to be covered as in-network at all CarePoint Health hospitals.

We are not currently participating as an in-network facility with the following insurance carriers (please note we will not refuse service to any patient with the insurance plans listed below):

  • Aetna
  • Cigna
  • Oxford
  • Qualcare
  • United Healthcare

Insurance: CarePoint Health Medical Group

For questions about insurance plans and verifications, please contact us at 201.821.8912. Our medical group physicians accept the following insurance plans:

  • Medicare
  • Medicaid
  • Wellcare Medicare and Medicaid
  • Railroad Medicare
  • Amerigroup Medicare
  • Horizon BCBS
  • Cigna
  • Aetna
  • United Healthcare Commercial Policy
  • Oxford
  • United Healthcare Community and State (Medicaid)
  • Magnacare
  • Empire BCBS
  • Amerihealth
  • GHI/Emblem Health
  • Qualcare/HIP
  • Tricare/Healthnet
  • Clover Health

Insurance: Garden State Healthcare Associates

For questions about insurance plans, please contact us at 201-427-0166. Our employed physician groups, including hospitalists, accept the following insurance plans:

  • 1199SEIU
  • Amerigroup (MCAID/ MCARE)
  • AmeriHealth
  • Clover
  • Champus
  • Consumer Health Network (Worker’s Comp)
  • GHI
  • Health First (MCAID/MCARE)
  • Horizon BCBS
  • Horizon NJ Health (MCAID)
  • I.A.A. (City of Hoboken employee plan) *
  • Magnacare
  • Medicaid
  • Medicare
  • NJ Carpenters Fund
  • Royal Caribbean Cruises
  • Tricare
  • Wellcare

* CarePoint Health hospitals are directly contracted with the City of Hoboken’s self-funded health plan. All employees covered under the city’s health plan will continue to be covered as in-network at all CarePoint Health hospitals.

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