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About HCS


Horizon Casualty Services, Inc. (HCS), a subsidiary of Horizon Blue Cross Blue Shield of New Jersey, is an approved New Jersey Workers’ Compensation Organization and provides Personal Injury Protection Services (PIP) for automobile insurers.

HCS is a subsidiary of Horizon Blue Cross Blue Shield of New Jersey. It is an approved New Jersey Workers’ Compensation Managed Care Organization and provides a full range of Personal Injury Protection Services (PIP) for automobile insurers.

Workers’ compensation benefits cover work-related injuries and illnesses. Personal injury protection (PIP) benefits cover injuries sustained in automobile accidents.

Workers’ compensation insurers, self-insured employers and automobile insurers and their claimants can benefit significantly by using HCS. HCS provides an array of administrative, medical network and medical management services to achieve optimal medical and return-to-work outcomes. HCS helps claimants to return to work, and helps contain workers’ compensation and PIP costs.

The HCS network includes:

  • Initial treating physicians (initial treaters)
  • Specialists
  • Hospitals
  • Physical therapy centers
  • Ambulatory surgical centers (ASCs)
  • Diagnostic centers
  • Sub-acute and skilled nursing facilities
  • Home care providers
  • Durable medical equipment (DME) providers
  • Pharmacies
  • Laboratory services providers
  • Other services and health care professionals

Initial treaters function as Care Coordinator Physicians as defined in New Jersey workers’ compensation managed care organization regulations. Initial treaters have a key role in the HCS program because they coordinate the medical care that patients receive. In most cases, initial treaters specialize in family practice, internal medicine or occupational medicine.