Horizon PPO members have lower out-of-pocket costs when they visit a Horizon PPO Network doctor or a facility within the Horizon Hospital Network. Members are not required to choose a Primary Care Physician (PCP) and can visit any other licensed doctor, but pay higher out-of-pocket costs for that out-of-network care.
Horizon PPO gives members referral-free access to many health care services and programs, including preventive care benefits, emergency medical care and a number of value-added programs. For in-network care, there are no claim forms to file and virtually no paperwork.
Employers can add the BlueCard® Program to Horizon PPO, which offers members the in-network level of benefits outside of New Jersey when receiving services from doctors, other health care professionals and hospitals that participate with the many other Blue Cross and/or Blue Shield Plans across the country.