If you’re homebound but need medical services, Horizon BCBSNJ has Horizon which provides at-home physical therapy, nursing and other care. In addition, Horizon BCBSNJ and its subsidiaries offer Medicare Advantage, Medicare Supplement and Medicaid plans, and supplemental plans including accident insurance, coverage outside New Jersey, and pet insurance. Out-of-network services aren’t covered except in an emergency or in certain situations. It doesn’t require you to pick a primary care physician or get referrals to specialists.
It pays on average 80% of qualifying medical expenses and you pay 20%.Īdvantage EPO (exclusive provider organization) also offers bronze, silver and gold options. If you’re willing to pay higher monthly premiums in exchange for lower out-of-pocket costs and frequent access to medical services, then the gold plan may be for you. The silver plan on average pays 70% of covered medical costs and you’d pay the remaining 30%, though subsidies may be available if you qualify. The bronze plan is best if you don’t expect to have a lot of medical expenses. Bronze has the lowest premiums and highest out-of-pocket costs. OMNIA plans come with bronze, silver and gold options, per ACA rules. You can save money in the OMNIA plan if you receive services from an in-network Tier 1 provider or hospital. Two examples of Horizon BCBSNJ’s offerings are the OMNIA Health and Advantage EPO plans. It offers individual, family and group plans. Horizon BCBSNJ provides a variety of plans to suit your budget and needs. What Are Member Benefits With Horizon BCBSNJ? Horizon Blue Cross Blue Shield of New Jersey offers medical, dental, and prescription drug plans. Horizon BCBSNJ also offers worker compensation and personal injury insurance. Its plans meet the requirements of the Affordable Care Act (ACA), meaning that you might have lower monthly payments if you qualify for subsidies. Horizon Blue Cross Blue Shield New Jersey provides medical, dental, prescription drug, and Medicare and Medicaid services. What Health Insurance Does Horizon BCBSNJ Offer? It has more than 30,000 in-network providers. Its service area is New Jersey, but some coverage features vary by county. Horizon Blue Cross Blue Shield New Jersey offers insurance plans to individuals and employers. Horizon BCBSNJ is a tax-paying not-for-profit company that is an independent licensee of the Blue Cross and Blue Shield Corporation.įounded in 1932, Horizon BCBSNJ employs more than 5,000 people.
It also offers Medicare and Medicaid coverage. Along with its subsidiaries, Horizon BCBSNJ provides a range of services, from prescription drug coverage to dental and vision insurance to individual and employer plans, both locally and nationally. It serves 3.8 million members and has more than 33,000 in-network providers to meet your needs. It originally was formed as a multi-hospital prepayment plan and eventually became one of the pioneer Blue Cross plans in the United States. Horizon Blue Cross Blue Shield of New Jersey is the oldest and largest health insurer in the state. Who Is Horizon Blue Cross Blue Shield of New Jersey?
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