Found one more thing....
This was bugging me - can you tell?
http://lis.njleg.state.nj.us/cgi-bin/om_isapi.dll?clientID=372956206&Depth=2&depth=2&expandheadings=on&headingswithhits=on&hitsperheading=on&infobase=statutes.nfo&record={6E89}&softpage=Doc_Frame_PG42
(Who the law applies to)
"a. Any insurance company, domestic, alien or foreign, now or hereafter organized which in addition to doing the business of health insurance as defined in section 17B:17-4, is licensed to make, or shall hereafter become licensed to make, kinds of insurance other than those defined hereinafter in this chapter, shall be subject only to the hereinafter enumerated provisions of this Code but only in connection with such health insurance business:
(1) All the provisions of the following chapters:
Chapters 22, 26, 29, 34 and 35.
(2) All the provisions of the following sections:
17B:17-1, 17B:17-2, 17B:17-4, and 17B:17-6 through 17B:17-14; 17B:18-1, 17B:18-35 through 17B:18-40, 17B:18-63, 17B:18-66; 17B:19-5; 17B:24-1 through 17B:24-5, 17B:24-8 and 17B:24-9;
(3) All of the provisions of the following articles of the designated chapter.
Articles 2 and 3 of Chapter 27.
b. The provisions of the following chapters and sections shall not be applicable to those insurance companies described in subsection "a" above:
(1) Chapters 21, 23, 30 and 33.
(2) 17B:18-41, 17B:18-42, 17B:18-47, 17B:18-56, 17B:18-57, 17B:18-58, 17B:18-64, 17B:18-65 and 17B:19-1.
All such companies will remain subject to subtitle 3 of Title 17 except as above provided.
c. Any insurer now licensed under R.S. 17:17-1, d. solely to do the business of health insurance shall be subject to every provision of this Code as a health insurer.
d. An insurer may be organized under the provisions of section 17B:18-4 to do the business of health insurance as defined in section 17B:17-4 and in addition kinds of insurance other than those kinds defined in this chapter, and in such case, it shall have all the obligations, powers and privileges of a health insurer organized under this Code and shall to the extent not inconsistent herewith be subject to all the provisions of Subtitle 3 of Title 17.
e. Except as otherwise specifically provided no provision of this Code shall apply to:
(1) Fraternal benefit societies as defined in Part 5A of Subtitle 3 of Title 17.
(2) Mutual benefit associations as defined in Part 6 of Subtitle 3 of Title 17.
(3) Hospital and medical service corporations as defined in Part 9 of Subtitle 3 of Title 17.
L.1971, c. 144, s. 17B:17-1.
17B:17-2. Insurer defined
"Insurer" includes every person engaged as indemnitor or contractor in the business of life insurance, health insurance or of annuity.
L.1971, c. 144, s. 17B:17-2."
and...
(The state law)
http://law.onecle.com/new-jersey/17b-insurance/27a-22.html
New Jersey Statutes - Title 17B Insurance - 17B:27A-22 Preexisting condition provisions
"17B:27A-22. Preexisting condition provisions
6. a. No health benefits plan subject to this act shall include any provision excluding coverage for a preexisting condition regardless of the cause of the condition, provided that a preexisting condition provision may apply to a late enrollee or to any group of two to five persons if such provision excludes coverage for a period of no more than 180 days following the effective date of coverage of such enrollee, and relates only to conditions, whether physical or mental, manifesting themselves during the six months immediately preceding the enrollment date of such enrollee and for which medical advice, diagnosis, care, or treatment was recommended or received during the six months immediately preceding the effective date of coverage; provided that, if 10 or more late enrollees request enrollment during any 30-day enrollment period, then no preexisting condition provision shall apply to any such enrollee.
b. In determining whether a preexisting condition provision applies to an eligible employee or dependent, all health benefits plans shall credit the time that person was covered under creditable coverage if the creditable coverage was continuous to a date not more than 90 days prior to the effective date of the new coverage, exclusive of any applicable waiting period under such plan. A carrier shall provide credit pursuant to this provision in one of the following methods:
(1) A carrier shall count a period of creditable coverage without regard to the specific benefits covered during the period; or
(2) A carrier shall count a period of creditable coverage based on coverage of benefits within each of several classes or categories of benefits specified in federal regulation rather than the method provided in paragraph (1) of this subsection. This election shall be made on a uniform basis for all covered persons. Under this election, a carrier shall count a period of creditable coverage with respect to any class or category of benefits if any level of benefits is covered within that class or category. A carrier which elects to provide credit pursuant to this provision shall comply with all federal notice requirements.
c. A health benefits plan shall not impose a preexisting condition exclusion for the following:
(1) A newborn child who, as of the last date of the 30-day period beginning with the date of birth, is covered under creditable coverage;
(2) A child who is adopted or placed for adoption before attaining 18 years of age and who, as of the last day of the 30-day period beginning on the date of the adoption or placement for adoption, is covered under creditable coverage. This provision shall not apply to coverage before the date of the adoption or placement for adoption; or
(3) Pregnancy as a preexisting condition.
L.1992,c.162,s.6; amended 1995, c.298, s.2; 1997, c.146, s.9."
They're awfully brazen to have it on their website, if they haven't found a way to side-step the laws. They've found a loophole somewhere - I'd request full written disclosure from the legal department. Good luck.
