Horizon Blue Cross Blue Shield of New Jersey is New Jersey’s largest health care provider. They are based in Newark and function as a non-profit company. Horizon Blue Cross Blue Shield of New Jersey was founded in 1932 and has had the same aim since that time – to provide high quality, economical and accessible health coverage to both employers and individual who live and or work in New Jersey.

Horizon Blue Cross Blue Shield of New Jersey works hard to make sure that their products are all always the best that they can possibly be. They also have a very high level of service that they provide to their individual members and the local communities in which they work.

Horizon Blue Cross Blue Shield of New Jersey of New Jersey continually work to ensure that their programs provide high quality health care products and offer their subscribers different ways to finance their health care needs. Horizon Blue Cross Blue Shield of New Jersey also has an extensive education program to make sure that their customers can make the best possible choices with regards to their health care.


The philosophy of Horizon Blue Cross Blue Shield of New Jersey is to run the very best health care program, both for the local market as well as across the country. Their programs encourage members to maintain healthy lifestyles. This is achieved in part by allowing clients to participate in their own health care decisions and providing them the knowledge that they need to do so effectively.

Horizon Blue Cross Blue Shield of New Jersey works with the government, the business community and the medical professions to make sure that its customers receive the best possible health care at an affordable price.

NJ DIRECT, which is run by Horizon Blue Cross Blue Shield of New Jersey, is the plan that for most members opt to subscribe to. The Horizon Blue Cross Blue Shield of New Jersey NJ DIRECT program allows access to a wide range of health care programs and benefits, as well as a large nationwide network of health care professionals.

There is no need to pick a specific primary care physician when you are a member of the Horizon Blue Cross Blue Shield of New Jersey NJ Direct program. You will have the option to use any of the doctors and other health care providers in the network as well as in the Blue Card PPO network (operating outside of New Jersey) without any need to seek a referral.

The Horizon Blue Cross Blue Shield of New Jersey NJ Direct program gives its customers a flexible choice when it comes to picking their health care. You can go in or out of the network for coverage. Members gain the maximum amount of benefits and save on out-of-pocket costs by using in network facilities, which include the BlueCard PPO network.

Out of network benefits are there for Horizon Blue Cross Blue Shield of New Jersey New Jersey Direct members who need to deal with an emergency illness or injury using eligible facilities and health care professionals. Using out of network benefits can lead to greater out of pocket expenses.