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Medical Plans

We've got you covered! Learn more about our various health care plans to find out what's right for you.


BlueCard PPO

The BlueCard® PPO program is the premier national Blue Cross and/or Blue Shield Preferred Provider Program.

EPO (Exclusive Provider Organization)

Our EPO (Exclusive Provider Organization) plan delivers in-network-only benefits through the national BlueCard® PPO network.

Horizon Direct Access

Horizon Direct Access is a direct access plan that gives you flexibility in choosing your medical care.

Horizon HMO

A health maintenance organization (like Horizon HMO) allows you to enjoy minimal costs out of your own pocket by receiving your health care services through your Primary Care Physician (PCP).

Horizon POS (Point of Service)

A Point of Service (POS) plan gives you flexibility in choosing your medical care.

OMNIA Health Plans

OMNIA℠ Health Plans offer significantly lower premiums and no referrals when accessing the largest network in New Jersey. Plus, save even more with lower out-of-pocket costs at certain doctors and hospitals.

Traditional Indemnity

An Indemnity health plan is a fee-for-service health plan with the freedom to select any doctor and hospital for medical care.