What types of health insurance plans does Horizon BC/BS of New Jersey offer?

Horizon BC/BS of New Jersey offers a variety of health insurance plans tailored to meet different needs and preferences of individuals and families. Primarily, these plans include individual and family health maintenance organization plans, commonly referred to as HMO plans, which provide a comprehensive range of services, including preventive care, emergency services, and specialty care, all coordinated through a primary care physician. They also provide preferred provider organization plans, known as PPO plans, which allow members greater flexibility in choosing healthcare providers while also offering the benefit of lower out-of-pocket costs when using in-network providers. Additionally, Horizon BC/BS of New Jersey offers exclusive provider organization plans, called EPO plans, which combine aspects of both HMO and PPO plans, providing a network of providers while not requiring a primary care physician referral for specialist services. For those seeking specific coverage options, Horizon BC/BS of New Jersey also provides high-deductible health plans, which are often paired with health savings accounts to help manage healthcare expenses. Employer-sponsored group plans are available for businesses looking to provide health coverage for their employees, with a variety of options that can cater to the unique needs of different workforces. Moreover, Horizon BC/BS of New Jersey has special programs and plans focused on specific populations, including Medicare Advantage plans for seniors and Medicaid plans for low-income individuals and families. Individuals interested in exploring these options should visit horizonblue.com to find detailed information about the specific plans available, compare the benefits of each, and ascertain eligibility criteria. The website will also have guidance on how to enroll in the appropriate plan.