Traditional Indemnity

A Horizon BCBSNJ indemnity health plan is a fee-for-service health plan with the freedom to select any doctor and hospital for medical care. Members may also use providers in our network, including those providers in the national BlueCard® traditional indemnity network. BlueCard links participating doctors and hospitals to Blue Cross and/or Blue Shield Plans throughout the United States. So, whether you or a family member is traveling or living in another state, you can take advantage of your benefits by presenting your member ID card to any participating doctor or hospital. Always carry our easily identifiable ID card with the suitcase logo, which lists a toll-free number to help you reach a provider.

No PCP or referral needed

Members do not need to select a Primary Care Physician (PCP) and do not need referrals to access specialty care. Members can access any network doctor or hospital at any time and enjoy the in-network level of benefits.

Easy service with no hassles

Horizon BCBSNJ offers toll-free customer service Monday through Friday, 8 a.m. to 6 p.m., Eastern Time (ET), so members can get the help they need. Members also have access to Member Online Services, where they can look up claim status and enjoy other online services to make their health care experience more satisfying.

How to locate a participating provider

Members can access network doctors and hospitals several ways. Using the Doctor & Hospital Finder, members can access information about network providers, including directions to their location. Members can also call the toll-free Member Services phone number on the back of their ID card for information about participating providers.

Portable benefits coverage

Traditional indemnity health plan members have access to BlueCard traditional indemnity, a program that links participating doctors and hospitals to Blue Cross and/or Blue Shield Plans throughout the United States. So, whether traveling (business or vacation) or living in another state (student away at college), members can take advantage of their benefits by presenting their ID cards to any participating doctor or hospital. Once enrolled, members simply carry our easily identifiable ID cards with the suitcase logo, which lists a toll-free number to help reach a BlueCard traditional indemnity provider.