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Getting Care

How to find in-network doctors, healthcare professionals or a hospital

Our HMO plans provide coverage for in-network services only. There is no out-of-network coverage unless your Primary Care Physician (PCP) refers you and the referral is approved by Horizon BCBSNJ. In certain circumstances, out-of-network urgent and emergency care may be covered. The general service area of your HMO plan is the state of New Jersey. To find an in-network doctor, healthcare professional or hospital, use the Horizon Blue app or our Doctor & Hospital Finder.

Remember: Services provided by doctors, other health care professionals, hospitals and facilities that do not participate with your plan are not covered. You’ll be responsible for the total cost of services you get from out-of-network health care providers, except in an emergency.