Finding Care Outside of New Jersey


If your plan has the BlueCard® Program, you’re covered when you need care across the United States. Check your member ID card for the suitcase logo, which shows you are eligible for BlueCard.

BlueCard lets members get care outside of New Jersey, Horizon Blue Cross Blue Shield of New Jersey’s service area. Through BlueCard, 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. You will need your Horizon BCBSNJ member ID card when you use any of these options:

When you need medical care outside of New Jersey, always use a BlueCard-participating doctor, hospital or other health care professional to ensure you get the highest level of benefits. However, in an emergency, you should always go directly to the nearest hospital.

When you get care covered by your health plan, you shouldn’t 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 BCBSNJ plan (such as any deductible, copay or coinsurance). There are no claim forms to complete. After your claim is processed, you will receive an Explanation of Benefits statement from Horizon BCBSNJ.