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Education Center

Coverage decisions

Learn how Horizon BCBSNJ decides what is covered.

Making a Payment

Understanding your health plan and costs is an important part of managing your health care. We want you to have the information you need to understand your health plan.

Prescription Drug Plan

Learn more about Horizon's Prescription Drug Plans to get the most from your benefits.

Member Rights and Responsibilities

As a Horizon Blue Cross Blue Shield of New Jersey member, you have certain rights and responsibilities.

NJ Individual Mandate

Individuals who purchase coverage directly from an insurance company or are covered under a group health plan comply with this mandate.

Other Health Expense Plans

Learn about Health Saving Accounts, Health Reimbursement Arrangements and Premium Only Plans.

Pharmacy and Prescriptions

You can never be too informed about your prescriptions, how they're covered and the resources you can access as a Horizon Blue Cross Blue Shield of New Jersey member. (This may not apply to you. Check your benefits for information.)

Unclaimed Property Due Diligence Letter

Do we have your money? Find out here.

Understanding Your Coverage

Whether you’re a new member who’s just getting started or an existing member looking to get more out of your benefits, we’ve gathered some helpful resources here.

Understanding Your OMNIA Health Plan

All the resources you need in one place.

Your Guide to Getting Care

Do you need to see a doctor or get medical tests, but are not sure where to start? Take a deep breath and keep reading. We know that health insurance can be confusing. That’s why Horizon BCBSNJ gives you the tools and information you need to help you get access to quality care, understand your benefits and keep your out-of-pocket costs low.

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network doctor, hospital or other health care professional at an in-network hospital or ambulatory surgical center, you may be protected from surprise billing or balance billing.