Veterinary practices in New Jersey
PlanOptica tracks 6 health and welfare plans sponsored by 6 veterinary practices in New Jersey, covering 1,226 participants and $4.4M in reported insurance premiums (plan year 2025 filings). The median plan has 220 participants, and the most common size is 100 to 249 participants (50% of plans). Most of these plans are self-funded or mixed (67%), so stop-loss and TPA relationships matter as much as the medical carrier.
Cigna Health and Life Insurance Company dominates premium with a 63% share, followed by Principal Life Insurance Company at 16%. GCG Financial LLC is the broker of record on 2 plans, more than any other firm, ahead of Hub International Northeast (1). 83% of plans report broker compensation on Schedule A; the median brokered plan pays $55K a year, about 6.3% of premium. Eatontown, Paramus and Robbinsville have the most plans.
Funding mix
- Mixed3 · 50%
- Fully insured2 · 33%
- Self-funded1 · 17%
Plan size (participants)
- Under 1001 · 17%
- 100 to 2493 · 50%
- 250 to 4992 · 33%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 220 participants. Median broker comp: 6.3% of premium across 5 brokered plans.
Top carriers, veterinary, New Jersey
- 1Cigna Health and Life Insurance Company$2.8M3 plans · 63.5%
- 2Principal Life Insurance Company$704K2 plans · 16.0%
- 3Kaiser Foundation Health Plan, Inc$575K1 plans · 13.1%
- 4Delta Dental of New Jersey, Inc$219K2 plans · 5.0%
- 5The Guardian Life Insurance Company of America$74K1 plans · 1.7%
- 6Vision Service Plan$29K1 plans · 0.7%
- 7Hartford Life and Accident$7K1 plans · 0.2%
Top brokers, veterinary, New Jersey
- 1GCG Financial LLC2 plans$149K comp · 40.0%
- 2Hub International Northeast1 plans$98K comp · 20.0%
- 3Centerstone Insurance and Fina1 plans$18K comp · 20.0%
- 4Kistler Tiffany Benefits General Ag1 plans$9K comp · 20.0%
- 5Group Planners Inc1 plans$6K comp · 20.0%
- 6James R. Nelligan & Associates, LLC1 plans$1K comp · 20.0%
- 7Enrollease, Inc Dba Easecentral1 plans$0 comp · 20.0%
Largest veterinary practices in New Jersey
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| VVP CA and Co,lp Dba Veritas Veterinary Partners Veritas Veterinary Partners Benefit PlanAll plans | Eatontown | Fully insured | 303 | $1.5M | Cigna Health and Life Insurance Company |
| Oradell Animal Hospital, Inc Oradell Animal Hospital, Inc. Health & Welfare Benefits PlanAll plans | Paramus | Mixed | 288 | $232K | Delta Dental of California |
| Garden State Veterinary Specialists, Inc. Dba GSVS Garden State Veterinary Specialists, Inc. Health & Welfare PlanAll plans | Eatontown | Mixed | 247 | $1.0M | Cigna Health and Life Insurance Company |
| Northstar Vets Northstar VetsAll plans | Robbinsville | Fully insured | 193 | $1.6M | Cigna Health and Life Insurance Company |
| Mount Laurel Veterinary Services Mount Laurel Animal Hospital Health & Welfare Benefits PlanAll plans | Mt Laurel | Mixed | 192 | $90K | Delta Dental of California |
| Veterinary Ophthalmology Services, Inc Veterinary Ophthalmology Services 401(k) Profit Sharing Plan and TrustAll plans | Denville | Self-funded | 3 | - | - |
Plans by city in New Jersey
Frequently asked questions
How many veterinary practices in New Jersey offer an ERISA health plan?
6 health and welfare plans from 6 veterinary practices in New Jersey appear in plan year 2025 filings on Form 5500, covering 1,226 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most veterinary practices in New Jersey?
By Schedule A premium: Cigna Health and Life Insurance Company (63% of premium, 3 plans), Principal Life Insurance Company (16% of premium, 2 plans) and Kaiser Foundation Health Plan, Inc (13% of premium, 1 plan).
Which benefits brokers work with veterinary practices in New Jersey?
By number of client plans: GCG Financial LLC (2 plans), Hub International Northeast (1 plan) and Centerstone Insurance and Fina (1 plan). 83% of plans report a broker.
How much do brokers earn on veterinary practices health plans in New Jersey?
The median brokered plan reports $55K a year in broker commissions and fees, or 6.3% of premium. Figures come from Schedule A, Part I.
Are veterinary practices health plans in New Jersey self-funded or fully insured?
Mixed 50%, fully insured 33% and self-funded 17%. Self-funded and mixed plans together make up 67%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital.
Prospect veterinary practices in New Jersey
Open the welfare search with New Jersey and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Veterinary in nearby states
Other healthcare specialties in New Jersey
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2025). Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital. Location is the sponsor's filing address in New Jersey.