BlueCard® Program
If your plan has the BlueCard Program, you’re covered when you need care across the United States.
BlueCard enables eligible members to receive medical care no matter where you are in the United States. When you need care, you can take advantage of savings the local Blue Cross and/or Blue Shield plan has negotiated with its doctors and hospitals.
Locating participating BlueCard doctors and hospitals is easy:
- Visit the National Doctor and Hospital Finder.
- Call BlueCard Access at 1-800-810-BLUE (2583).
You will need your member ID card when you use any of these options.
When you are outside the Horizon service area and need medical care, always use a BlueCard-participating doctor, hospital or other health care professional to ensure you receive the highest level of benefits. However, in an emergency, you should always go directly to the nearest hospital.
When you receive a covered service, you should not have to pay any amount above the local Blue Cross and/or Blue Shield plan’s negotiated rate and any applicable out-of-pocket expenses that you would normally be responsible for under your Horizon plan (such as any deductible, copayment or coinsurance). You should not need to complete any claim forms. After your claim is processed, you will receive an Explanation of Benefit from Horizon.
Check Your ID Card
The BlueCard® PPO program links you directly to care anywhere in the country and in the world. So, whether traveling or living in another state, 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 a PPO in a suitcase logo, which lists a toll-free number to help reach a BlueCard PPO provider.
Medical Expenses Related to Automobile Accidents
For medical expenses related to an automobile accident, the RWJBarnabas Health medical plan pays as secondary coverage to the automobile insurance plan. It will be secondary even if a member declines their automobile insurance’s Personal Injury Protection (PIP) coverage. The RWJBarnabas Health plan will pay as if the automobile insurance PIP coverage had been in effect, and will carve-out that assumed benefit.
