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Horizon Blue Cross and Blue Shield of New Jersey (BCBSNJ)Horizon Blue Cross Blue Shield of New Jersey In business for over sixty years, Blue Cross Blue Shield of New Jersey is the largest health care provider in New Jersey. Blue Cross Blue Shield of New Jersey has won many awards, including an award for having the top ranking in the New Jersey HMO Performance Report in 2004 and the 2004 Brand Excellence Award from the Blue Cross Blue Shield Association. Request a health insurance quote now>>
BCBS ProductsHorizon HMO offers members affordable insurance through their network of participating physicians. There is no annual deductible or coinsurance for treatments except for a copayment on prescription medication. A primary physician oversees your medical care and can refer you to specialists in the network. Horizon Basic Plan A/50 allows you to pick any doctor that you choose with an annual deductible and 50% coinsurance. There is a yearly cap on coinsurance should you or a member of your family require unexpected serious medical care. Horizon Traditional Plan B, C, and DHorizon Traditional Plans are fee for service plans. You will be able to choose any physician that you like under these plans. Under Horizon Traditional Plan B, your insurance will pay 60% of the costs after the deductible has been met. Horizon Traditional Plan C will pay 70% of the costs after your deductible has been met. Horizon Traditional Plan D will pay 80% of your medical costs after your deductible has been met. Horizon Basic and Essential EPO and EPO Plus Plans offer you the ability to choose any physician or specialist in the Network without needing authorization from a primary physician. You may only see a physician who is not a member of the Network in the case of an emergency. Request a health insurance quote now>>
Company RatingsStandard & Poors: A-† †As of March 2009.Ratings are independent opinions based on a quantitative and qualitative evaluation of a company's financial strength, operating performance and business profile. Request a health insurance quote now>>
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Key Facts... In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family? Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you. Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan. Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003. |
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