EPO (Exclusive Provider Organization)

Advantage EPO Bronze

Horizon Advantage EPO members use the Horizon Managed Care Network in New Jersey. This product does not require PCP selection or referrals. There are no benefits for out-of-network services, unless accessed in an emergency or otherwise approved. Bronze plans, on average, pay for 60% of the covered medical expenses; you pay 40%, and money-saving subsidies may be available. The Advantage EPO Bronze Plan is a good choice if you don’t expect to use a lot of medical services.

Advantage EPO Essentials

Horizon Advantage EPO members use the Horizon Managed Care Network in New Jersey and may have access to Blue Card providers  outside of New Jersey. This product does not require PCP selection or referrals.  There are no benefits for out-of-network services, unless accessed in an emergency or otherwise approved. The Advantage EPO Essentials plan is available to individuals under 30 and is a good choice if you don’t expect to use a lot of medical services.

Advantage EPO Silver

Horizon Advantage EPO members use the Horizon Managed Care Network in New Jersey. This product does not require PCP selection or referrals. There are no benefits for out-of-network services, unless accessed in an emergency or otherwise approved. Like other Silver plans, it pays for 70% of your covered medical expenses on average; you pay 30%, and money-saving subsidies may be available. The Advantage EPO Silver Plan is a good choice if you want a balance between monthly premiums and out-of-pocket costs.