KBenefits Insurance Services
Insurance - Medicare - Retirement

 Carrier Networks

Each carrier has multiple networks of providers & hospitals.   Here is a list of each carriers' healthcare network.

Horizon BCBS of NJ: 
Find a Doctor/Hospital

1)   OMNIA:                    NJ, PA, DE access
2)  Advantage EPO:   NJ, PA, DE access, some plans allow for Blue Card PPO rider
3)  Direct Access:        NJ access with blue card


* OMNIA and Advantage EPO networks are available in the Individual Market
* OMNIA, Advantage EPO and Direct Access networks are available in the Small Group / Employer Market


Amerihealth of NJ
Find a Doctor/Hospital
AmeriHealth Advantage: Network includes:  AtlantiCare, Cape Regional Medical Center, Cooper University, Deborah Heart and Lung Center, Hackensack Meridian, and RWJBarnabas. Learn more  Tier 2 providers are available through the AmeriHealth New Jersey Local Value network. View Tiered Facilities.

2)  AmeriHealth Hospital Advantage:  Lower out-of-pocket costs for hospital and facility services.   Tier 2 providers are available through the AmeriHealth New Jersey Local Value network. View Tiered Facilities.

3)  Preferred Regional:  One of the largest networks of doctors, hospitals, and labs in the state of New Jersey. Member get access to New Jersey, Delaware, and Southeastern Pennsylvania.


4)  Local Value:  represents 82% of the NJ-based Regional Preferred network.  NJ-only access.

5)  National Network
Available through the Multiplan PHCS National Network for services obtained outside of the Regional Preferred service area.  Not available in the Individual Market.


Oscar Insurance: 
Find a Doctor/Hospital

1)  Qualcare network in NJ with access to NY:  Mt Sinai network, Montefiore and Long Island Health network

Find a Doctor/Hospital
1)   Freedom

2)   Liberty
3)  Garden State Network - NJ access only
4)   Metro Network - NY plans
-   Choice Plus network for out of situs


Empire BCBS:
Find a Doctor/Hospital:

2)   Blue Access

Plan/Network Codes:
YXE:   NG Blue Access   /   YNU:  Gated Blue Access  /  ZVF:   EPO


Members Health Plan (MHP) formerly known as Qualcare/APEHP:
Find a Doctor/Hospital:
-Aetna Select℠ Open Access - plans F H J K O S T U V W
-Aetna Choice® POS II Open Access - plans A B D G L P R
-(NJ) Aetna Whole Health℠-New Jersey-Aetna Select Multi-Tier - plans M N X Y Z


EWA:  CIGNA and United Healthcare networks:
Elite:         https://eliteenroll.com

Premier:  https://premierenroll.com

MEDICARE:  Supplement Plans

*  100% of hospitals in America accept medicare supplements
*  Estimated 93% to 95% of doctors in America accept medicare supplements



MEDICARE:   Advantage Plans
*  Limited to the insurance carriers network of doctors & hospitals.  

*  May include out-of-state coverage.
*  MAPD's either have state, regional or national access networks
*  Some MAPD's have out of network benefits.




KBenefits, LLC
Christopher S. Kudryk

Call:  732-333-1976
Fax:   732-444-5971


Broker/Agent Info:
NPN: #7990501


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