Horizon Blue Cross and Blue Shield of New Jersey (BCBSNJ)

Horizon Blue Cross Blue Shield of New Jersey
P. O. Box 821
Newark, New Jersey 07101

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.

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BCBS Products

Horizon 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 deduction and 50% coinsurance. There is a cap yearly cap on coinsurance should you or a member of your family require unexpected serious medical care.

Horizon Traditional Plan B, C, and D

Horizon 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.

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Company Ratings

Standard & Poors: -A

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