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Understanding the Three-Month Grace Period

We know that understanding health insurance is not always easy. That’s why we want to make sure you have some basic knowledge.

Paying your premium on time is critical to keeping your health coverage. If you purchased your Horizon Blue Cross Blue Shield of New Jersey plan through the Exchange* and miss a payment, you have three months to pay your balance in full before your coverage is terminated. This means after the three-month grace period, you will be responsible to pay all health care costs.

When does the grace period begin?

Your premium payment is due on the first day of each month. If Horizon BCBSNJ does not receive your payment by the first day of the month, you will be considered delinquent and the three-month grace period* begins. Please make your payment in full before the end of the three-month grace period to avoid having your Horizon BCBSNJ coverage terminated.

What happens to claims during the grace period?

If you do not make your payment on time, your claims for eligible medically necessary services will only be paid for the first 30 days of the grace period. Beginning on Day 31 of the grace period, your claims will be held until payment is received. Horizon BCBSNJ will process your eligible claims once your account is paid in full within the 30-day grace period.

Horizon BCBSNJ will not accept premium payments after the grace period is over and claims will be denied. If your coverage is terminated for nonpayment, you will be required to pay your doctors, other health care professionals and/or facilities for all services received during the second and third months of the grace period.

Making a payment

There are three ways you can pay your premium bill.

Have questions about your insurance?

Go to to read answers to frequently asked questions about your benefits, enrollment and more.

* To be eligible for the three-month grace period, you must have:

  • Purchased your health coverage through the Exchange
  • Paid at least the first month’s premium payment in full for the current benefit year
  • Received an advance premium tax credit to purchase insurance through the Exchange