Ask Your COVID-19 Questions Here

How can I get treatment for COVID-19 if I'm uninsured? How do I cover health costs associated with COVID-19?

If you do not have health insurance, or lose coverage, you may be eligible for free or low-cost coverage ( through NJ FamilyCare, New Jersey's publicly funded health insurance program. NJ Family Care includes CHIP, Medicaid and Medicaid expansion populations and covers doctor visits, prescriptions, vision, dental care, mental health and substance use services and even hospitalization.

Individuals without health insurance may also be able to access care from community clinics or federally qualified health centers (FQHCs). Find a FQHC near you with this search tool. In addition, a list of community clinics and FQHCs can be found by searching this resource from NJ 211 or by directly calling 2-1-1 (support available in English and Spanish). Individuals with urgent symptoms may also continue to access services at acute care hospitals.

Note: State and federal law also require that most employees and dependents who lose health coverage under an employer's group health plan be given the opportunity to continue coverage for a period of time. Under the federal law (COBRA) and state law, the person electing to continue coverage can be required to pay the full premium plus a 2% administrative fee. You can contact your employer or benefits administrator for more information.

Does NJ FamilyCare cover costs associated with COVID-19?
NJ FamilyCare, the State's publicly funded health insurance program, covers testing, visits for testing, and testing-related services without cost to members. The program will also cover 90-day supplies of prescriptions for maintenance medications and early refills of prescriptions.

Additionally, New Jersey has taken administrative action to waive consumer cost sharing for all medically necessary COVID-19 testing, as well as services related to testing. The waiving of consumer cost sharing applies to the State's individual, small, and large group markets; the State Health Benefits and School Employee Health Benefits Plans; NJ FamilyCare's CHIP population; and the state's uninsured population, eligible for the Charity Care program.

How do I apply for NJ FamilyCare?
If you have experienced a life-changing event, such as losing your job or health coverage, you may qualify for a Special Enrollment Period that would allow you to presently enroll in health coverage. If you or anyone in your household lost qualifying health coverage in the past 60 daysOR expects to lose coverage in the next 60 days, you may qualify for a Special Enrollment Period.

Visit GetCoveredNJ( to see if you qualify or go directly to to enroll in coverage.

For providers, the Department of Human Services Novel Coronavirus page has information on NJ FamilyCare/Medicaid waivers:

Updated/Reviewed: 4/7/2020