To your Health

To Your Health: Your Consumer Rights in Managed Health Care

This 74-page consumer guide to managed health care, revised in summer 2008, is available free-of-charge as part of the Law Project’s “To Your Health” program. Simply call the CHLP and ask us to send you a copy. The book explains the distinction between traditional fee-for-service insurance plans and managed health care plans (e.g., HMO, POS, PPO); outlines consumers’ rights and responsibilities under managed care; describes the grievance and appeal procedures of commercial, Medicare, NJ FamilyCare, and Medicaid health insurance plans; provides sample letters and phone conversations that consumers can use when calling an insurance company about a complaint or appeal; and covers federal and state laws such as COBRA, HIPAA, and the Mental Health Parity Act. It also has a useful resource guide with the contact information for state and federal government offices, advocacy organizations, disabilities groups, and legal aid organizations.


Medicaid Supplemental

Medicaid Managed Care Supplement

This 20-page supplement to "To Your Health" addresses managed care issues specific to New Jersey Care 2000+, a mandatory Medicaid managed care program that is being phased in by the New Jersey Department of Human Services. It explains how Medicaid managed care differs from traditional fee-for-service Medicaid, how to choose a Medicaid HMO, which services will continue to be covered by fee-for-service Medicaid even for people in a Medicaid HMO, and how to apply for an exemption from Medicaid managed care.


Community Resident Rules

Good Neighbors: Laws, Rules and Policies Affecting Community Residences, Apartments, and Houses for People with Disabilities

This 51-page book, revised in 2004, explains the state and federal laws governing community residences, apartments, condominiums, and houses for people with disabilities --e.g., the Americans with Disabilities Act, the federal Fair Housing Amendments Act, the New Jersey Municipal Land Use Law. In an easy-to-understand question-and-answer format, it provides examples of the protections available under the law. It is intended for consumers, service providers, and municipal officials.

Read the Good Neighbors book online.


Fair Housing

Fair Housing Law for Persons with Disabilities

This 24-page manual, written in 2005, reviews state and federal laws that protect people with disabilities from housing discrimination. The manual is organized in a question-and-answer format and includes citations to statues and regulations, websites where those sources can be accessed without cost, and instructions for filing a housing discrimination complaint with the U.S. Department of Housing and Urban Development and the New Jersey Division on Civil Rights.

Read the Fair Housing manual online.

Download the Fair Housing manual in PDF format.


The Independent

The Independent

Once or twice a year, the Community Health Law Project publishes its newsletter, which updates our friends and colleagues on recent Law Project cases, events, and programs.

Download The Independent 2017-2018 in PDF format.

Please note: This is a very large file and make take a few minutes to download.


Community Health Law Project

Community Health Law Project Annual Report

This 12-page report describes the work of CHLP during the fiscal year. It includes a review of the highlights of the year, the programs and services offered during the year, funding sources, and a financial statement.

Download the Annual Report 2016 in PDF format.

Please note: This is a large file and make take a few minutes to download.


Predatory Lending Practices

Predatory Lending Practices and What to Do If You Are at Risk of Foreclosure

This 22-page booklet describes predatory lending practices, how to avoid them, and what to do if you've been victimized by them. It details the loan counseling, mediation, and legal avenues of recourse available to homeowners, and provides a resource directory with phone numbers and websites.

Download the Predatory Lending booklet in PDF format.

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