NJ DIRECT


With NJ DIRECT, you have access to one of the largest doctor and hospital networks in New Jersey and 1.3 million providers nationwide through the BlueCard® PPO Network.1 You also have coverage worldwide through Blue Cross Blue Shield Global Core. That makes it easy to find an in-network doctor or hospital. You can choose to go out of network, too, but you’ll pay more for your care.

Copays vary by plan and you have the lowest out-of-pocket costs when you use in-network doctors and facilities.

All plans include:

  • Well Care and Preventive Care: Services such as annual physical and gynecological exams, well baby/child medical care, immunizations and annual vision exams are covered 100% when using an in-network doctor.
  • Behavioral Health and Substance Use Disorder: Counseling services are covered for mental/nervous conditions and alcohol/substance use disorder.
  • Horizon Health Guides: Your Horizon Health Guide can help with all your health care needs: answering questions, making medical appointments, solving issues, helping with claims, finding care, even making health and wellness benefit suggestions tailored to you. And we’ll help you manage a chronic health condition. Coming in February!
  • Telemedicine: Talk to a doctor 24/7/365 using Horizon CareOnline℠.
  • Health Programs: Registered nurses help you manage a chronic or complex health condition.
  • Precious Additions®: A prenatal education program supported by My Health Manager®, powered by WebMD®, gives you access to online tools and resources.

Your health plan may also include care outside of NJ through these options: