This site contains some outlines on the basic rules that apply to health coverage for small employers. Do not rely on the information in this site for the details of the law or your specific rights and obligations under a health benefits plan contract. Read your contract carefully and consult your carrier, attorney, or NJ Deptartment of Banking & Insurance if there is anything you do not understand.

Information and materials on this web site are provided "as is" and without warranties of any kind either expressed or implied. Additionally, availability, price, and other information is subject to change without notice. The consumers responsibility is to accurately evaluate the advise, services, content and usefulness of this information provided by the web site, owner, or designer. It is also understood that all information on the entire web site pages distributed by the sites owner, designer, authors, publishers, licensees are not rendering accounting, tax, legal advise, or opinions, on any and all specific facts or matters. In addition all parties assume no liability of any kind in connection with its use. We suggest you review all matters with your tax advisor and/or legal console with respect to your personal situation. All information contained within this web site is directed to consumers in jurisdictions where the information is valid, including the insurance representative listed is licensed. If you purchase from this site the named "Broker of Record" will be Philip Wallace Lowcher LLC, who is respectively licensed in New Jersey and is trading under Benefit Exchange of America. Contact him directly concerning other state licensing that are currently active. Contact information: Philip Wallace Lowcher, 6 Hunt St., #301, Rumson, NJ, 07760, (732)842-7445 ext. 1