Insurance Plans Accepted at Jersey Family Health
We accept Medicare and most major insurance plans in Central New Jersey. Your health is our priority.
As a primary care practice in Princeton, NJ, Jersey Family Health is committed to making high-quality, personalized healthcare accessible to every patient. Both Dr. Moizah Saad, DO and Dr. Salman Saad, MD accepts a wide range of insurance plans so you can focus on your health, not your coverage.
Not sure if we take your plan? Use the insurance table below or call our office directly and we will verify your coverage before your appointment.
Insurance Plans We Accept
The table below shows which insurance plans are accepted and which physician is in-network for each plan. If your plan is not listed, please call our office, we may still be able to see you, and we will verify your coverage directly.
| Insurance | Approved By | |
|---|---|---|
 | Aetna | Both Doctors |
| Aetna Better Health | Both Doctors |
 | Cigna | Both Doctors |
 | Clover Health | Both Doctors |
 | Medicare | Both Doctors |
 | Railroad Medicare | Both Doctors |
 | United Health Care | Both Doctors |
 | Horizon BCBS/NJ | Dr.Moizah Only |
 | AmeriHealth | Dr.Salman Only |
This list is updated regularly but may not reflect the most recent changes. Please call our office at (732) 250-9310 to confirm your specific plan before booking.
Don't see your plan?
What Insurance Typically Covers at Jersey Family Health
Most major insurance plans cover a broad range of primary care services at Jersey Family Health, often at little or no out-of-pocket cost when using an in-network provider. Below is a general guide to what is typically covered. Coverage specifics vary by plan, and we verify your benefits before every appointment.
Usually Covered at No Cost (Preventive Benefits)
Under most ACA-compliant insurance plans, the following preventive services are covered at 100% when provided by an in-network physician, meaning no copay, no deductible:
- Annual physical exam and preventive care visit
- Well woman exam including pelvic exam and clinical breast exam
- Pap smear and HPV co-testing on recommended schedule
- Routine preventive blood work — CBC, CMP, lipid panel, HbA1c, vitamin D
- Recommended vaccinations — flu, Tdap, pneumococcal, shingles, HPV, COVID-19 and others
- Blood pressure, cholesterol, and diabetes screening
- Depression and mental health screening
- HIV and STI screening for eligible patients
- Colorectal cancer screening referral coordination
- Mammogram referrals as part of preventive screening
Typically Covered Subject to Copay or Deductible
The following services are generally covered by insurance but may require a copay, deductible contribution, or co-insurance depending on your plan:
- Sick visits for acute illness — infections, injuries, respiratory conditions, skin concerns
- Chronic disease management visits — diabetes, hypertension, thyroid, cardiovascular disease
- Follow-up visits after a preventive exam where a new condition is diagnosed or treated
- Diagnostic lab work ordered for a specific symptom or condition
- Specialty lab panels — hormone testing, advanced cardiovascular markers, nutritional deficiencies
- Mental health and behavioral health consultations
- Minor in-office procedures — joint injections, skin lesion removal, wound care
- Telehealth consultations — covered by most major plans, including Medicare and Medicaid
What Insurance Typically Does Not Cover
Not everything falls within insurance coverage and we believe you should know what to expect before your visit. The following services are generally not covered by primary care insurance benefits and may require separate payment, specialist insurance coverage, or prior authorization.
Jersey Family Health Weight Loss Program – this is a comprehensive 6 month program and not covered under insurance
Jersey Family Health Women’ s Perimenopause and Menopause consultation: this is a comprehensive 6 month program
Specialist and Hospital Services
- Specialist consultations — we provide referrals, but specialist visits are billed separately under your specialist’s coverage
- Hospital admissions and inpatient care — covered by your hospital insurance benefit, not primary care
- Emergency room visits — billed separately under your emergency benefit
- Major surgeries and procedures performed outside our clinic
Imaging and Advanced Diagnostics
- MRI, CT scans, and X-rays — ordered and referred by us, billed through imaging facility
- Mammograms — we coordinate referrals, imaging is billed at the mammography facility
Cosmetic and Non-Medical Services
- Cosmetic procedures — not covered by insurance
- Non-medically indicated lab panels or screenings
- Certain travel vaccines not deemed medically necessary by your plan
Prescription Medications
Prescription medications are billed through your pharmacy benefit, not your primary care benefit. Coverage varies significantly by plan, formulary, and medication tier. We help patients access prescription assistance programs where available, and DPC members receive wholesale pricing on select medications.
How We Help You Navigate Insurance
We verify your insurance coverage before your appointment and clarify any expected out-of-pocket costs upfront
We submit insurance claims directly, you do not need to handle paperwork
We coordinate specialist referrals and communicate with other providers on your behalf
We assist with prior authorization for medications and procedures where required
We answer billing questions clearly before and after your visit
We help connect patients with prescription assistance programs when coverage is limited
No Insurance? We Have an Option for You.
If you do not have insurance or if your plan is not currently accepted, our Direct Primary Care (DPC) membership may be the right solution. For a simple, transparent monthly fee, DPC members receive unlimited primary care with no per-visit charges, no insurance friction, and no surprise bills.
Many patients without insurance find that a DPC membership combined with a low-premium catastrophic health plan provides more complete, more accessible, and more affordable healthcare than traditional insurance alone. Contact our office to discuss whether DPC is a good fit for your situation.
15+
Hospitalizations Insurance Plans Accepted down
2
Experienced Physicians
100%
Patient-Centered Care
Frequently Asked Questions - Insurance
Q1: What does 'In Process' mean for insurance status?
A plan marked ‘In Process’ means we are actively completing credentialing with that insurer. We may be able to see you as an out-of-network provider in the interim, or we can discuss our DPC membership as an alternative. Contact our office for the current status of any plan marked In Process.
Q2: Do I need a referral to see you?
Most insurance plans do not require a referral to see a primary care physician. If your plan requires a Primary Care Physician (PCP) designation, you may need to update your PCP with your insurer before your first visit. Call our office and we will walk you through what your plan requires..
Q3: How do I verify my benefits?
We verify your insurance benefits before your appointment and communicate any expected out-of-pocket costs upfront. You can also call the member services number on the back of your insurance card to confirm in-network status and benefit details. Do not hesitate to call our office if you have questions — we are happy to help you understand your coverage.
Q4: Do you offer self-pay options?
Yes. Patients without insurance or with out-of-network plans can access care through our Direct Primary Care (DPC) membership — a simple monthly fee that covers comprehensive primary care with no per-visit charges. We also offer transparent self-pay pricing for specific services. Contact our office at (732) 250-9310 or visit our Pricing page for details.
Ready to Schedule Your Appointment?
Experience personalized, patient-centered care at Jersey Family Health, we accept your insurance and we are ready to see you. Call our office, verify your coverage, and book your appointment today.