Securing the right insurance coverage can be complex. Finding affordable health insurance is what Cosmo does best!
Whether you’re facing high premiums, insufficient coverage, or complex policies, trying to find affordable health insurance in the New Jersey and nationwide doesn’t have to be a stressful experience.
At Cosmo Insurance Agency, we are committed to providing affordable and comprehensive health insurance that meets the diverse needs of local residents. If you’re an individual looking for personal coverage, a family needing reliable health protection, or a business seeking group health insurance plans, we offer a variety of plans tailored to fit your specific requirements and budget for your employee needs.
Contact Cosmo Insurance Agency today to receive a free quote and get covered with straightforward and affordable health insurance plans.
At Cosmo Insurance Agency, we take great pride in providing a comprehensive selection of health plan options crafted for New Jersey residents and beyond. From individuals and families to businesses and temporary globetrotters, our plans deliver vital health coverage that ensures both security and peace of mind.
Discover affordable health insurance options tailored to your needs. Request a quote today.
Understanding that every individual and family has unique health needs, our individual and family health insurance plans are flexible and comprehensive. We offer a range of options through GetCoveredNJ that include preventive care, emergency services, maternity care, prescription drugs, and more. Our plans are structured to reduce your out-of-pocket costs while maximizing the coverage for critical health services. Whether you are self-employed, between jobs, or in need of a better plan than your current one, we have options that will help protect you without breaking the bank.
For businesses, offering health insurance for employees is a crucial factor in attracting and retaining top talent. Our group health and self insurance plans are cost-effective solutions that cater to the needs of small to large businesses. These health plans provide comprehensive coverage that includes regular check-ups, emergency care, hospitalization, and specialized treatments. By partnering with Cosmo Insurance Agency, you ensure that your employees receive excellent health coverage, which can lead to increased employee satisfaction and productivity.
Traveling should be about relaxation or productive business engagements, not worrying over potential medical issues abroad. Our travel medical insurance plans are specifically designed for those traveling outside of their home state, providing coverage for illnesses and injuries that might occur while away. These plans include benefits for medical evacuation, acute onset of pre-existing conditions, and even the return of mortal remains, ensuring that you are thoroughly covered in any unforeseen event.
We offer Medicare coverage that supplements your existing Medicare benefits, filling the gaps that Medicare Parts A and B do not cover. Our options include Medicare Advantage Plans, Medicare Supplement Plans (Medigap), and Prescription Drug Plans (Part D). We simplify your choices by providing clear information that helps you understand the benefits and limitations of each plan.
“I am thrilled to write this 5-star review for Cosmo Insurance Company! They went above and beyond to help us get our three-month-old baby added to our health insurance policy, even though the special enrollment period had already ended. We were facing a challenging situation, and Cosmo Insurance Company came to our rescue.
Mark, Rebecca, and Dassi, the amazing team members we had the pleasure of working with, were absolutely phenomenal. They displayed exceptional professionalism.
We highly recommend Cosmo Insurance Company to anyone seeking reliable, caring, and efficient assistance with their insurance needs. Mark, Rebecca, and Dassi have our heartfelt gratitude for going the extra mile to make sure our family is taken care of. They have earned our trust, and we look forward to continuing our relationship with them for years to come. Thank you once again for your exceptional service!”
by Bernard Link
“Cosmo is truly a pleasure to work with. Their knowledgeable staff always return emails and calls quickly, they answered all my questions when choosing insurance plans for my family, and provided me with honest feedback about which plan would give my family the most benefits without spending the most money. I highly recommend them to family and friends.”
by Ariel Beniflah
Cosmo Insurance Agency has built a strong reputation in New Jersey and across the United States thanks to our unwavering commitment to providing reliable health insurance solutions. We understand the importance of having dependable health insurance and strive to offer services that reflect our dedication to your well-being. Here’s why we’re the trusted choice for health insurance:
We believe that quality health coverage should be accessible to everyone, regardless of their budget. Our plans are designed to cover a wide range of medical services, including preventive care, emergency services, hospitalization, and specialist visits, ensuring that you are prepared for any health issue that might arise. We continuously work to keep premiums manageable while maximizing the benefits so you and your family can enjoy peace of mind without financial strain.
Our lifetime support promise ensures that from the moment you become a client, you have continuous access to our expert support team. Whether you need help understanding your policy, making a claim, or adjusting your coverage, our professionals are here to assist you every step of the way. We’re committed to providing ongoing support so you can navigate your healthcare plan with ease.
With over 15 years of experience in the insurance industry, Cosmo Insurance Agency has established itself as a pillar of reliability and excellence in New Jersey and beyond. Our longevity in the market is a testament to our consistent delivery of high-quality coverage and outstanding customer service. Over the years, we’ve adapted to changes in the healthcare landscape while maintaining the high standards our clients expect and deserve.
Cosmo Insurance Agency offers a suite of services designed to simplify and enhance your experience with your health insurance coverage. Our goal is to ensure that every aspect of your health insurance works smoothly for you, from the initial selection of a plan to the handling of claims.
Navigating your insurance options shouldn’t be a complex process. Our team is here to guide you through every step, ensuring that you find the perfect match for your healthcare needs, including:
The on-boarding process at Cosmo Insurance Agency is seamless and informative. From the moment you choose to enroll, we take you through each step of the process, ensuring that you understand your benefits and how to utilize them effectively. Our team makes sure that you feel welcome and well-informed, setting the stage for a successful relationship.
Understanding the costs associated with your health insurance is critical. We provide clear, competitive quotes to help you make the best financial decisions based on your healthcare needs. Our quotes reflect the true health insurance costs without any hidden fees, helping you budget effectively for yourself or your family.
Every individual/family has unique health needs, which is why we offer customized health insurance plans. We tailor your coverage to fit your specific requirements, ensuring that you pay only for the coverage you need. Whether it’s adding extra services or adjusting your deductible, our customized plans provide you with optimal coverage that aligns with your health and financial situation.
Filing claims and navigating the associated processes can be daunting. Cosmo Insurance Agency is here to assist you every step of the way, ensuring that your claims are handled efficiently and fairly. Here’s how we can help:
In the event of a claim denial, our team is ready to step in and help you understand the reasons behind the denial and what can be done to appeal the decision. We work tirelessly on your behalf to ensure that you receive the benefits you deserve.
For many treatments and procedures, pre-authorization is required. Our team assists in managing and submitting these requests to ensure that you receive timely approval and can proceed with necessary medical care without delay.
We act as your advocate, representing your interests with healthcare providers and insurers. Whether it’s negotiating billing issues or ensuring that your claims are processed correctly, our team is your voice in the complex world of health insurance.
At Cosmo Insurance Agency, you’ll find a variety of additional insurance products designed to complement your health insurance in providing protection for other aspects of your well-being. From employee benefits to vision and dental coverage, as well as life insurance, we provide you with options that ensure complete coverage for yourself, your family, and your employees.
Find the right coverage for your unique needs. Get a free quote now.
Investing in your employees is crucial to maintaining a happy and productive workplace. Our employee benefits packages help businesses in New Jersey and across the United States attract and retain top talent by offering comprehensive benefits. Our offerings include health insurance as well as retirement plans, disability insurance, and more, all designed to fit the needs of your company and employees.
Our vision insurance plans cover routine eye exams and screenings, which can detect early signs of eye conditions before they develop further. Additionally, our plans help cover the costs of prescription eyewear and contact lenses, as well as corrective procedures, ensuring that you and your family’s vision care is affordable and accessible.
Dental health is closely linked to your overall health, and our dental insurance plans reflect our understanding of this connection. We offer various levels of coverage that include preventive care such as regular cleanings and exams, as well as more comprehensive procedures like fillings, crowns, and even orthodontics. Our plans make dental care easy and affordable, with options to see your preferred dentists or to save more with in-network providers.
Life insurance is a critical component of financial planning that provides peace of mind for you and security for your family. Our life insurance products include term life, whole life, and universal life insurance options, allowing you to choose the coverage that best suits your long-term financial goals. Whether you’re looking to provide for your family in the event of your passing, accumulate savings over time, or leave a legacy, our life insurance policies offer flexible solutions to meet your needs.
The open enrollment period is a designated time each year when you can start, stop, or change your health insurance plan. For most health insurance, including plans sold on the Health Insurance Marketplace, the open enrollment period typically begins on November 1st and ends on December 15th.
During this time, you can freely enroll in or switch health insurance plans without any restrictions. Coverage for plans signed up during this period usually starts on January 1st of the following year. It’s important to make all your necessary changes during this period as it is the primary window each year for making adjustments to your health insurance.
A special enrollment period is a time outside the regular open enrollment period during which you can sign up for health insurance in NJ and other states if you experience certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage.
Other qualifying events might include moving to a new state, certain changes in your income, and situations like losing coverage through your employer. If you think you have experienced a qualifying life event, you generally have up to 60 days following the event to enroll in or change a plan.
Most plans include essential health benefits such as outpatient care, which allows you to receive medical treatment without an overnight hospital stay; emergency room visits; inpatient care for more serious conditions requiring hospital admission; and maternal care before and after childbirth.
Additionally, coverage typically extends to mental health and substance use disorder services, including behavioral health treatment, counseling, and psychotherapy, as well as prescription medications. Health insurance policies also support recovery through services and devices for injuries, disabilities, or chronic conditions, alongside necessary lab tests and preventive services like counseling, screenings, and vaccines to maintain health and manage chronic diseases.
If you’ve recently married, you can apply for health coverage within 60 days. You’ll need proof of marriage (like a marriage license or certificate), proof that you or your spouse had health coverage, or proof that either of you lived in a U.S. territory or foreign country for at least one day in the 60 days before your marriage. For civil unions, domestic partnerships, and common law marriages from another state, specific documentation will be required. Make sure to gather and submit all necessary documents within the 60-day window to ensure timely coverage.
Moving out of state might impact your group health insurance, but you have options. Check with your employer to see if your current plan covers you in your new location. If not, you qualify for a special enrollment period and have 60 days to choose a new plan. You’ll need to provide proof of your move and previous coverage, such as a new lease, utility bills, or a moving company receipt. If your employer’s plan isn’t available, consider other employer-sponsored options or the Health Insurance Marketplace to maintain coverage.
Securing the right health insurance is crucial for safeguarding your health and financial well-being, but understanding all the coverage options and finding the best fit can be challenging. At Cosmo Insurance Agency, we specialize in simplifying this process, providing personalized, comprehensive health insurance plans that cater to the specific needs of individuals, families, and businesses in New Jersey and across the country.
Contact Cosmo Insurance Agency today to receive a custom quote on health insurance that aligns with your needs and budget.
211 Boulevard of the Americas,
Suite 407, Lakewood, NJ 08701
50 Division Street, Suite 501
Sommerville NJ 08876
2 University Plaza Dr #100,
Hackensack, NJ 07601
The information on this website is for informational and educational purposes only and is not a substitute for competent insurance, legal or tax advice and you should consult with a licensed professional in your state.
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Accredited Since: 8/22/2023
Years in Business: 15
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