Horizon Blue Cross and Blue Shield of New Jersey (Horizon BCBSNJ)
For New Jersey residents looking for individual health care coverage, you have come to the right place. Blue Cross and Blue Shield of New Jersey provides the largest network of health professionals for 24/7 care. Their mission involves expansion of access and quality of health care to all citizens of New Jersey by supplying affordable and targeted plans for each individual.
There are so many reasons for needing individual health insurance. No matter what your personal circumstances, BCBSNJ is dedicated to helping you. With the costs of medical care rising constantly, you want to buy health insurance to protect against loss of your savings and future earnings in the case of illness or accident. You also want the plan you choose to be cost effective, while still offering necessary coverage.
Blue Cross and Blue Shield of NJ has a large number of individual plans for you to review – and many of the plans have different levels of coverage from which you can choose. That way, your plan will be tailored to your needs and your wallet at the same time.
Horizon BC/BS of NJ Individual Health Plans
Horizon Basic Plan A/50
Offers the Horizon Traditional Network of health professionals for your out-of-pocket savings, while also giving you the scope to go out of network. You have a choice of several annual deductible levels while paying 50% coinsurance for covered expenses.
Horizon Traditional Plan B
A fee-for-service plan where you again have the freedom to choose any health professional services, but save by seeing those with the Horizon Traditional Network. You have a choice of several annual deductible levels while paying 40% coinsurance.
Horizon Traditional Plan C
A fee-for-service plan where you again have the freedom to choose any health professional services, but save by using the Horizon Traditional Network. You have two choices for annual deductible and only pay 30% coinsurance.
Horizon Traditional Plan D
A fee-for-service plan where you again save by using the Horizon Traditional Network but have the freedom to choose any health professional you want. There are two choices for the annual deductible and you will only pay 20% coinsurance for covered expenses.
Horizon MSA Companion/High Deductible Plans C & D
Provide health coverage with either of two options (Plan C or Plan D) and works in combination with a Medical Savings Account, a tax advantaged means of paying health costs. You must determine whether your situation works with an MSA. There are four deductibles from which to choose in either plan and both are available without the MSA. With the option of Plan C, you pay 30% coinsurance and 40% with Plan D.
Horizon HMO is a Health Management Organization
Where all of your health care needs are managed by your choice of a primary care physician (PCP). There is an extensive choice of thousands of physicians from which to choose. The HMO offers low out-of-pocket expenses, while providing complete comprehensive care. There is no annual deductible, no coinsurance, and low copayments for office visits. Wellness and prevention programs are emphasized.
Horizon Basic and Essential EPO
An Exclusive Provider Organization plan where you are required to use the health providers of the Horizon Managed Care Network. You are not required to choose a primary care physician. Outpatient services are limited to a set amount per person for illness or injury. Wellness visits are covered to a certain amount per person after the annual deductible and 20% coinsurance is met. Inpatient services require copayment for each service per person, with a lower copayment for outpatient hospital service.
Horizon EPO Plus
Also an Exclusive Provider Organization plan where you are required to use the health providers of the Horizon Managed Care Network and you are not required to choose a primary care physician. Here outpatient office visits require a $30 copayment, with wellness visits, inpatient services, and outpatient hospital services the same as the above plan.
Medigap Plans
Supplemental insurance for the deductibles and charges not covered by Medicare.
Horizon Individual Dental
Offers coverage for certain dental and preventive procedures when seeking care from the Horizon Dental Choice Network of dentists. There are no deductibles or copayments required.
Horizon Centurion Dental
Offers coverage for eligible dental procedures when seeking care from the Horizon Dental Choice Network of dentists. Here, you pay a reduced fee for covered services, according to an agreement between your dentist and Horizon.
Dental plans are through Horizon Healthcare Dental, Inc.
The company provides health plans to residents of North, Central, and South New Jersey.
Horizon BCBS of New Jersey
P.O. Box 820
Newark, NJ 07101
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