Health Care Plans for Employers With 51+ Employees
We offer a variety of insurance products from PPO to Managed Care to supplements that are designed to suit your organization's health, life, and dental insurance needs.

Horizon MyWay^SM HSA

This consumer-driven health plan combines a high-deductible health plan with a Health Savings Account (HSA). The high-deductible health plan can either be a Horizon PPO or Horizon Direct Access. In-network preventive care services can be covered at 100 percent. HSA funds can be used to pay for any services or products eligible under Section 213(d) of the Internal Revenue Code. Unused HSA funds are rolled over to the next year, allowing members to save for future health care expenses. HSA funds accrue interest and can be invested in mutual funds once a minimum balance is met. Learn more...

Introducing Horizon MyWay^SM HRA Consumer-Driven Health Plan (CDH).

	Combines high-deductible Horizon PPO or Horizon Direct Access health plan with an employer-funded Health Reimbursement Account (HRA).
	In-network preventive care services are covered at 100 percent.
	HRA funds can be used to cover deductibles, coinsurance, or other member cost sharing under the Horizon PPO or Horizon Direct Access health plan or all services or products eligible under Section 213 of the Internal Revenue Code.
	Unused HRA funds can be rolled over to the next year, allowing members to save for future health care expenses.
	A payment card allows members access to HRA funds quickly and easily at the doctor's office, pharmacy, and hospital.

To find out more about Horizon MyWay, click here.

Horizon Traditional

	Fee-for-service health plan.
	Freedom to select any doctor and hospital for medical care.
	Member handles paperwork.
	Member submits claims for reimbursements.
	Annual deductibles and coinsurance may apply.
	Savings by using the doctors and hospitals that participate with Horizon BCBSNJ, after meeting deductibles and coinsurance.

Horizon PPO

	Allows choice of physicians and hospitals without having to choose a Primary Care Physician (PCP).
	Lower out-of-pocket costs and higher plan benefits when using the more than 25,250 physicians, hospitals, and other health care professionals participating in the Horizon PPO network.
	No claims to file when staying in the Horizon PPO network.
	Out-of-network option offers care from any physician or hospital outside the network in exchange for higher out-of-pocket costs.
	Wellness and discount programs.
	Nationwide and worldwide access to medical care through the BlueCard® PPO program. Members have access to the largest health care network in the nation: 6,000 participating hospitals and more than 720,000 physicians, specialists, and subspecialists.

Horizon Direct Access

	Direct access to physicians, specialists, hospitals, and other health care professionals in the Horizon Managed Care Network without referrals.
	Lower out-of-pocket costs and higher plan benefits by using the 11,000 doctors, specialists, hospitals, and other health care professionals in the Horizon Managed Care Network.
	No referrals needed for specialist visits.
	Virtually no claims to file.
	Wellness and discount programs.
	Primary Care Physician (PCP) selection optional but encouraged for guidance and managing medical care.
	For female members, no PCP referral needed for routine gynecological care from more than 300 Ob/Gyns in the Horizon Managed Care Network.
	Prenatal education and information program available.
	Out-of-network option offers care from any physician or hospital outside the Horizon Managed Care Network in exchange for higher out-of-pocket costs. Deductibles and coinsurance may apply.
	Using doctors in our broader, traditional network allows for out-of-pocket savings.
	Most out-of-pocket costs for care are from licensed, non-network doctors and hospitals.
	Nationwide and worldwide access to medical care through the BlueCard® PPO program.

Horizon POS

	Freedom to choose care in and out of network.
	Out-of-pocket savings when using in-network option.
	Wellness and discount programs.
	Virtually no claim forms to file.
	Member pays applicable copayment each time covered benefits are accessed within the network with Primary Care Physician (PCP) referral.
	Members choose PCPs from our Managed Care Network of more than 3,000 family practitioners, general practitioners, and internists.
	PCPs coordinate all health care, including referrals to 6,700 specialists in the Horizon Managed Care Network and 71 hospitals in our Horizon Hospital Network.
	For female members, no PCP referral needed for routine gynecological care from more than 300 Ob/Gyns in the Horizon Managed Care Network.
	Prenatal education and information program.
	Out-of-network option offers care from any physician or hospital outside the Horizon Managed Care Network in exchange for higher out-of-pocket costs.

Horizon HMO

	Low out-of-pocket expenses.
	Wellness and discount programs.
	Virtually no claim forms to file.
	Member pays copayment at time of service.
	Members choose Primary Care Physicians (PCPs) from our Managed Care Network of more than 3,000 family practitioners, general practitioners, and internists.
	PCPs coordinate all health care, including referrals to 6,700 specialists in the Horizon Managed Care Network and 71 hospitals in our Horizon Hospital Network.
	For female members, no PCP referral needed for routine gynecological care from more than 300 Ob/Gyns in the Horizon Managed Care Network.
	Prenatal education and information program.
	HMO Blue USASM provides coverage when away on a business trip, vacation, or for a child away at college.

Prescription

	Prescription ID card program with low copayments for generic and brand-name drugs at participating pharmacies or through mail-order service.
	More than 98 percent of New Jersey's pharmacies participate in the program.
	Coverage when traveling through the more than 50,000 participating pharmacies nationwide.
	Using nonparticipating pharmacies requires up-front payments of full prescription amounts and submission of reimbursement forms.