Mission Statement                                                                                                

The Fund has accomplished these goals through:

• More effective management of claims/payments.
• Negotiating with area providers to lower claim costs.
• Eliminating or reducing insurance company profit, overhead, and premium taxes etc. A HIF is a public entity owned and controlled by its members. Any surplus is ultimately returned to it's members in the form of dividends.
• Negotiating with national networks for access to primary care physicians, specialists and specialized facilities.
• Providing support to its members in bargaining unit contract negotiations and plan designs.
• Employee education and wellness programs.
      

Are you interested in long term rate stability for your municipality or school board?

• Last 3 years' overall rate increase Fund-wide was 8.03%
• Since 1995 overall Fund annual rate increases have averaged 8.49% (before dividend returns)
• Since the Funds inception in 1993 surplus/dividend returns have averaged about 5% of premiums paid.

The NJMEBF serves those eligible public entities that are dedicated to the Funds Philosophy, are active participants and are located in the counties of Morris, Passaic, Sussex, Warren, Essex and those portions of Hunterdon, Somerset and Union north of I-78. 

  * In 2007 legislation was passed that allows school districts to join with municipalities in a Health Insurance Fund "HIF"

  For information about joining contact the Program Manager  This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

201-573-1000 Ext. 21

PLEASE NOTE: The July 26th, 2013 meeting has been changed to July 19th, 2013

Current Membership

• Township of Andover 
• Township of Berkeley Heights 
• Borough of Bloomingdale 
• Township of Byram  
• Town of Dover 
• Township of Hanover 
• Township of Hardyston 
• Borough of Hawthorne 
• Borough of Hopatcong 
• Knowlton Board of Education
• Borough of Lincoln Park 
• Borough of Madison 
• Township of Montville
• Borough of Mountain Lakes
• Borough of Netcong 
• Town of Newton
• Borough of Prospect Park 
• Township of Randolph 
• Borough of Ringwood 
• Township of Roxbury 
• Township of Wantage
• Borough of Wharton
• Township of West Milford 
• Borough of Woodland Park 

Use the links below to find out how the NJMEBF benefits you.

Benefits to the Employee  -  Benefits to the Employer

North Jersey HIF rate stability is your answer!