Horizon Direct Access®


Horizon Direct Access gives you flexibility and easy access when choosing health care professionals, so you can get the care you need when you need it.

The Direct Access Plan offers you the freedom of choosing from three tiers of coverage.

Domestic Tier/Inner Circle In-Network Horizon/BlueCard Out-of-Network Tier

Generally pays benefits only for services provided by an RWJBarnabas Health-affiliated physician or facility

Using providers in this tier provides you with the lowest out-of-pocket costs.

Covers services provided by physicians and facilities outside of the RWJBarnabas Health Inner Circle. These are providers that participate in the Horizon Blue Cross Blue Shield Direct Access Network (in NJ) or the national BlueCard network (outside NJ).

Covers services provided by physicians and facilities that do not participate in either the Horizon Blue Cross Blue Shield Direct Access network or the national BlueCard network.