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 Costs

Find out what an Explanation of Benefits (EOB) is, why it matters and how it can help you keep track of your health care expenditures.

How to Find an In-Network Provider, Care Facility or Pharmacy

Navigating the Health Network

If you need help finding a provider, understanding your network choices or getting your member information, you can learn more here.

New Member Resources

Browse the Who, What, Where and How’s for new Horizon BCBSNJ members.

Out-of-Network Payments

If your health plan includes benefits for out-of-network services or supplies, and you opt for such services or supplies, you generally will have higher out-of-pocket expenses than if you used in-network providers.

Qualifying Life Events

When major events happen in your life, the last thing you want to think about is having to change your health insurance coverage.

Staying In Network

When you use a doctor or hospital that participates in our network, you will have lower out-of-pocket costs than if you use a doctor or hospital that does not participate.

The Role of Your Primary Care Physician or Personal Doctor

Your Primary Care Physician (PCP)1 or personal doctor is the most important part of your health care team. Learn more here.

Third Party Designation for Senior Citizen Insureds

Members who are enrolled in a Horizon BCBSNJ commercial product and are age 62 years or older can designate an additional person to receive a copy of certain notices.

Understanding Your Member ID Card

What does all the information on your ID card mean? Learn more here.