Consumer-Directed Healthcare (CDH) gives employees the opportunity to take a more active role in their health care decisions, allowing them hands-on management of those decisions; more choice and flexibility about how they spend their health care dollars; and the tools, resources, and information they need to become informed health care consumers.

With Horizon MyWay, clients can tailor our plans to meet specific budget and benefit needs. That helps to control health care costs and provide employees with valuable coverage to meet their health care needs. Plus, clients enjoy the security of Blue Cross and Blue Shield and the stability of Horizon BCBSNJ's more than 70-year history of Making Healthcare Work^®.

Horizon MyWay plans can do more than help companies manage health care costs. These new plans are reshaping the way employees think about health benefits and are becoming a growing part of the health insurance market.

~ With Horizon MyWay, Companies can:

• Control health care costs without sacrificing employee satisfaction
• Enjoy valuable tax advantages
• Access the largest provider network in the industry
• Provide nationwide benefits so employees can travel with confidence

~ Horizon MyWay members:

• Have comprehensive in-network preventive care covered at 100%
• Have no network restrictions or referrals (out-of-network benefits included)
• Are covered for inpatient and outpatient hospital care
• Have easy-to-use, bank-issued debit cards and checkbooks to access spending account funds and pay for health care expenses
• Enjoy a dedicated Horizon BCBSNJ member services team

To learn more about the various plan options, go to Plan Choices and Features.