KBenefits Insurance Services
GetCoveredNJ - GCNJ

Individual Market Health Insurance Plans
Indivdual & Family coverage


GetCoveredNJ is Obamacare for New Jersey.  GetCoveredNJ is the state's official health insurance marketplace where individuals & families can easily shop multiple carriers to enroll in affordable health coverage.  Whether you are eligilble for premium assistance or not, you can enroll thru GetCoveredNJ.  I can help you with your application, review your health plan otions and answer all your questions. GetCoveredNJ offers you access to free broker assistance. There is no charge for having a broker help you with your GetCoveredNJ coverage.  Below are the instructions to assign me as your free GetCoveredNJ broker.

GetCoveredNJ Instructions To Enroll::

Step #1:  Register - create a GetCoveredNJ Account

Step #2:   Assign Me As Your Free GCNJ Broker.
*  You must be Logged in to your
GetCoveredNJ Account
*  Select "HELP & SUPPORT"….then click "FIND LOCAL ASSISTANCE"
*  Select "Find An NJ Certified Agent or Broker Near You"
*  Search by my name "Christopher Kudryk"   /  Review & click “Select”


Step #3:  Apply  . From your Dashboard à Click “START NEW APPLICATION”
Once you completed the eligibility application, we shop & select a health plan.


Last Steps:   Select a health plan and pay 1st month's premium
Once funds are received by the carrier, you are Approved.  ID cards will be mailed thereafter.

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Contact us for questions, plan options and free enrollment assistance.

Christopher S. Kudryk
chris@kbenefits.com
732-333-1976

GCNJ: Insurance Carriers

Open Enrollment starts this Nov 1st and ends Jan 31st.
What's Considered Income:
  • any taxable income recvd
  • income from a job/self-employment/tips
  • unemployment
  • retirement investment income / capital gains
  • rental or royalty income
  • pension
  • severance income from an employer
  • social security benefits
  • social security disability income
  • alimony recvd - Divorces finalized before January 1, 2019 - Include as income.
    Divorces finalized on or after January 1, 2019 - Don’t include as income.

 

What's not considered income

  • child support
  • social security Income
  • veteran disability and workers comp
  • proceeds from student, home equity & bank loans
  • gifts
     

GCNJ:  Income Verification - Documents - (provide 1)

  • Pay Stub - 1 month's worh
  • Tax return - Tax Form 1040 (22024)
  • W2 Wages & Tax
  • 1099 income
  • Unemployment Letter
  • Tax form: 1065 K1 with Sch E
  • Tax Form: Profit & loss statement

 

W-2 Employee -  Deductions

  • Alimony
  • Interest paid on student loans
  • Health Savings Account Contributions
  • Penalty of early withdrawl retirement savings
  • IRA Contributions
  • Educator expenses


 

Self-Employed - Deductions
You should only count your deductions from your federal income tax filing (Form 1040 Schedule 1) such as:

  • deductible part of self-employment tax,
  • IRA deduction for contributions if you don’t have a retirement account through your job,
  • Educator expenses if you are a teacher and personally pay for teaching supplies,
  • Alimony paid if your divorce was finalized before 1/1/19,
  • Student loan interest deduction
  • The standard deduction, itemized deductions and qualified business income deduction are also not included on your application as they are not part of your adjusted gross income.
  • Personal expenses do NOT count as deductions.

 

 

GCNJ:  Citizenship Verification - documents

  • Drivers License - Color copay - Front & Back
  • US Passport
  • Certificate of Naturalization (N-550 or N-570)
  • Certicate of US Citizenship (N-560 or N-561)

     

Lawful Presence Documentation
•    Proof or resolution in immigration court
•    i-551 Permanent Resident Card (Green Card)
•    Temporary i-551 Resident Alien Card / i-551 Stamp on passport
•    Proof that you lived continuously in the US since 1972
•    i-766 Employment Authorization Card (EAD card)
•    i-797 Notice of Action
•    i-94
•    Machine Readable Immigration Visa
•    DS2019 for J-1 status
•    i-20 (student)
•    Proof of current Visa status with valid i-94
•    i-221s (order to show cause)
•    i-327 (permit to re-enter US)
•    i-130 Approved Petition
•    Office of Refugee Resettlement
•    i-571 (Refugee Travel Doc)    /   i-589 (asylum app)

•    Document from USCIS or ICE showing current status
•    Proof of Battered Immigrant Non-Citizen
•    Trafficking Cert Letter or Eligibility Letter from Victim of Trafficking

GCNJ: Accepted Documents
Accepted Docs.pdf
Adobe Acrobat document [164.1 KB]

Contact us for advice, navigation, plan options & free enrollment assistance.

Christopher S. Kudryk
chris@kbenefits.com

KBenefits Insurance Services
Employee Health Insurance
GetCoveredNJ
Delta Dental & VSP Vision
Medicare Plan Options
Dedicated Customer Service

 

Christopher S. Kudryk
Benfits Advisor & Consultant
chris@kbenefits.com
732-333-1976
20+ years broker experience

KBenefits specializes in health, dental, vision, life and medicare insurance for employers and individuals.

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Referrals are the cornerstone of our business.  Let us know if we can be of further assistance to you or someone you know.  Glad to be of service
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