Offers information, referral, and guidance on private insurance, Medicaid, and Medicare coverage, including private insurance plans. Insurance specialists educate individuals and families about their rights and the NJ Department of Banking and Insurance appeals process. Identifies and explains covered benefits, co-payments, deductibles, co-insurances, and maximum out-of-pocket limits for both in-network and out-of-network providers. Additionally, insurance specialists conduct conference calls with insurance companies as needed or obtain written consent to inquire on behalf of those they assist.