KBenefits Insurance Services
Making Health Insurance Easy...

Making Health Insurance Easier...

Individual Health Insurance & Marketplace plans
GetCoveredNJ is New Jesey's health insurance Marketplace where individuals & families can shop multiple insurance plans and enroll in affordable health coverage.  Whether you are eligilble for premium assistance or not, you can enroll thru GetCoveredNJ.  As your broker, I can help review your health plan options, help determine tax credit eligilibty and provide enrollment instruction and advice. GetCoveredNJ offers you access to free broker assistance. There is no charge for having a broker help you with your GetCoveredNJ coverage.  Contact me to get started.  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 me for free advice, plan options & enrollment assistance.
I'm here to help.

 

Christopher S. Kudryk
Benefits & Insurance Specialist
20+ years broker experience
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 me for free advice, plan options & enrollment assistance.
I'm here to help.

 

Christopher S. Kudryk
Benefits & Insurance Specialist
20+ years broker experience
chris@kbenefits.com
732-333-1976

For Employers & Individuals seeking health insurance coverage.

KBenefits Insurance Services
Employee Benefits
GetCoveredNJ
Medicare Plan Options
Delta Dental & VSP Vision

Christopher S. Kudryk
Benefits & Insurance Specialist
20+ years broker experience
chris@kbenefits.com
732-333-1976

Thank you for your referrals!
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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