Blue Cross Blue Shield NJ Health Insurance
Horizon Blue Cross Blue Shield of New Jersey is one of the most recognizable insurers in the Garden State. The company offers a variety of health insurance and Medicare plans to New Jersey residents. These plans allow residents to meet the New Jersey mandate that requires that all residents have health insurance.
Types of Blue Cross Blue Shield Health Insurance Plans in New Jersey
The OMNI plans are among the most popular for New Jersey residents. The OMNI Silver Plan is the midlevel plan and selected by many people. It offers a balance between out-of-pocket costs and monthly premiums. Those who want even more coverage can get the OMNIA Gold Plan. The premium is higher, but the out-of-pocket costs are lower. People who choose Tier 1 doctors can expect to pay a lower copay and deductible.
Horizon Blue Cross Blue Shield also offers Horizon Advantage EPO Plans. An EPO (exclusive provider organization) is a low-cost and high-deductible plan. It is best suited for healthy individuals under the age of 30.
BCBS also has HSA-compatible plans. These high-deductible plans are paired with health savings account the insured can use to pay for approved medical expenses.
Choosing a Pharmacy
Horizon Blue Cross Blue Shield splits pharmacies up into tiers. The amount the insured pays depends on the plan selected. For instance, those who get the Bronze HSA plan will pay 50 percent coinsurance on both Tier 1 and Tier 2 medications.
NJ Blue Cross Blue Shield Medicare Plans
NJ BCBS offers Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug plans. Medicare Advantage Plans are extremely popular. The Horizon Medicare Blue Advantage HMO plans include $0 premiums and $0 prescription deductibles in certain counties, as well as a $10 copay for primary care visits and a $25 copay for specialist visits. These plans include a large network of providers. Those who choose a plan that doesn’t include prescription drug coverage can add it on and also get a supplement plan for additional coverage.
Choosing a Blue Cross Blue Shield Health Insurance Plan in New Jersey
Horizon Blue Cross Blue Shield of New Jersey offers lots of options. People can pick the coverage that best suits their needs. If you need help selecting coverage, speak to a licensed insurance agent by calling 1-855-881-0430.