Choices That Deliver

Horizon BCBSNJ continues to be the state’s leader in offering affordable care that addresses the needs of New Jersey’s residents. As part of the 2018 open enrollment period, Horizon BCBSNJ reduced its premiums by an average of 7 percent for its individual market products, where we have an estimated 62 percent market share despite the challenges of this highly competitive and regulated environment. The Company offered seven competitively priced plans for 2019 on the federal Marketplace, led by four OMNIA Health Plans (Bronze HSA, Silver, Silver HSA and Gold) and three broad-network Horizon Advantage plans.

Our OMNIA Health Plans, launched in 2016, were created in response to consumer demand for coverage that would provide access to quality care at a lower cost. These tiered-network plans feature premiums with an average discount of more than 10 percent, when compared to equivalent broad-network products, and give our members the opportunity to save even more on their out-of-pocket costs (copayments, coinsurance and deductibles) when they receive care from OMNIA Tier 1-designated doctors, hospitals and other health care professionals.

“Horizon BCBSNJ continues to listen to consumers and offer more affordable choices without sacrificing quality in the care our members receive. Our OMNIA Health Plans continue to demonstrate that it is possible to have a lower-cost product that still provides all of the benefits and services that our members need, and with the same access to care as equivalent, broad-network plans.”

Christopher M. Lepre
Executive Vice President, Commercial Business

In 2018, the OMNIA Health Plans continued to be our premier product line, with more than 439,000 members enrolled in one of these innovative products, which collectively score higher in member satisfaction than the equivalent broad-network plans. New features and benefits will be included with our OMNIA Health Plans for our local group and national customers later this year.

In 2018, we also improved our portfolio of non-medical ancillary product solutions. Now offered under the branded name Horizon EXPAND, our supplemental products and services go beyond medical coverage to give our customers the products, tools and resources they need to provide a broad and attractive range of benefit offerings.

Horizon EXPAND includes:

  • Horizon MyWay® Consumer—Directed Health Plan (CDHP) products
    • Flexible Spending Account (FSA)
    • Health Reimbursement Arrangement (HRA)
    • Health Savings Account (HSA)
  • Horizon Dental
  • Horizon Stop Loss
  • Horizon Vision
  • Horizon Wellness
  • International Medical Coverage, for individuals and companies
  • Life & Disability
  • Pet Insurance
  • Telehealth through Horizon CareOnline and Horizon Get Care
  • Worksite and voluntary products