AmeriHealth New Jersey Market Edge Article
AmeriHealth New Jersey Health Insurance

April 2020

Market Edge

News for All Segments

Grace Period Flexibility available for members with individual and family plans

The COVID‑19 pandemic is changing how we live, work, and serve our members. We understand the financial impact our members may be experiencing during this unusual time. We are committed to working with our members to help them get through this crisis and will be offering payment flexibility for those who are most in need.

We offer ways to reduce members’ financial burden

We encourage all members who are able to pay their health plan bill on time to continue to do so, but we understand the toll this crisis is taking on many families and individuals. For members who are having difficulty making their premium payments, we are offering an opportunity to reduce this burden.

Grace Period Flexibility

This program permits consumer members to defer their April or May premium payment with no interest and no penalty. The deferred premium must be paid by December 1, 2020. Members can make incremental payments of the deferred premium each month through December 1 or can satisfy the deferred premium any month prior to December. All other monthly premium payments must be made in a timely manner and the deferred April or May premium must be paid by December 1 to avoid delinquency and potential termination.

Grace Period Flexibility example for Jane

Below is an example of a member, Jane, who takes advantage of Grace Period Flexibility for her April invoice and is making incremental payments through December 1, 2020.

Jane’s monthly premium is $210 and she defers payment for April coverage. She makes installment payments of $30/month starting in June. She is fully paid by December.

Coverage Month Invoice Amount Amount
Deferred balance
April $210 $210 April 1 $0 $210
May $420 $210 May 1 $210 $210
June $420 $240 June 1 $240 $180
July $390 $240 July 1 $240 $150
August $360 $240 August 1 $240 $120
September $330 $240 September 1 $240 $90
October $300 $240 October 1 $240 $60
November $270 $240 November 1 $240 $30
December $240 $240 December 1 $240 $0

To be eligible for Grace Period Flexibility, consumer members must be paid through March 2020 premiums to defer the April premium or paid through April to defer the May premium.

If a member fails to make additional premium payments by their due date or does not satisfy the deferred April or May premium by December 1, 2020, the member will be considered delinquent and the delinquency process will begin. As a reminder, there is a 90‑day grace period for subsidized members in delinquency and a 31‑day grace period for non‑subsidized members in delinquency.

If you have any questions about the payment options available to your customers, please contact your AmeriHealth New Jersey broker representative.


©2020 AmeriHealth. All rights reserved.
259 Prospect Plains Road, Bldg. M | Cranbury, NJ 08512

To ensure you receive AmeriHealth New Jersey Market Edge, please add to your address book. View the AmeriHealth New Jersey Privacy Policy.