Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) holds true to its mission to make healthcare work by improving healthcare experience for members and communities they serve. Their vision is to be known as the best health plan locally and nationally by helping members achieve and maintain their health.
The Blue Cross brand originated in 1929 at Baylor University with a plan offering teachers three weeks of hospital care for $6 per year. As the company grew, it began offering coverage to other employee groups in Dallas and later expanded to national coverage. The Blue Shield brand was developed at the start of last century with lumber and mining employers in the Pacific Northwest paying a monthly fee to a designated group of physicians.Blue Shield and the Blue Cross Association merged in 1982 to become the Blue Cross and Blue Shield Association.
Horizon Blue Cross Blue Shield of New Jersey was founded as First Hospital Service Plan of Essex County and went statewide in 1936 as Hospital Service Plan of New Jersey (HSPNJ). HSPNJ would later go on to be known as Blue Cross of New Jersey. In 1942 the Medical-Surgical Plan of New Jersey (MSPNJ) was incorporated. MSPNJ would later go on to be known as Blue Shield of New Jersey. In 1986, the two plans merged to become Blue Cross and Blue Shield of New Jersey, Inc. In 1998, BCBSNJ began doing business as Horizon Blue Cross Blue Shield of New Jersey.
Horizon BCBSNJ is headquartered in Newark and maintains satellite offices in Trenton, Mt. Laurel, Newark, Wall, and Harrison. It saw total revenues in 2009 of over $8-billion. The company has over 3.6-million members and employs over 4700. Horizon BCBSNG is a not-for-profit health insurance service corporation and an independent licensee of Blue Cross Blue Shield Association.
Pre-Existing Condition Not Covered
I have anxiety and a panic disorder. This requires me to take medication and see a psychologist and therapist. I got a letter saying that I am not covered because it is a "pre-existing condition." I NEED MY MEDICATION, AND TO SEE MY THERAPIST! Thank God my family practice doctor is prescribing my medication for now, but he says he can't keep prescribing my medication because he does not treat my for my anxiety. All this stress has made my anxiety worse! The reason I got this insurance is so that I am covered; so I can go to my psychologist and therapist without paying $250/visit.
Test Not Paid For In Full
Due to the limitations of the policy, there was a limit of $500 per year for this benefit. I visited my primary doctor, blood was drawn and sent to Labcorp. Horizon was billed for four (4) tests - two (2) were paid in full, one was paid partially and the last was not paid. The explanation of benefits sent to me did not show the remaining balance for outpatient testing. For the partially paid test, Horizon was billed at $104, allowed amount $20.21, and paid $1.85. The last test was billed at $66, allowed amount $11.68, not paid. When this first started, I offered to pay the unpaid contract amounts of $30.04. It was not accepted. I see no reason why I should pay more than five times the contract amount for a test. Also, I have not worked since January 2008 and can't afford to pay $66. If you have Horizon for health insurance or any other health insurance that uses Labcorp as the exclusive outpatient testing service, then you should look for new insurance.
Blown Off By Customer Service
I called about rate which has been going up 15% every year and was roadblocked by a girl in billing who couldn't answer any questions and wouldn't transfer me to anyone who could. I was told someone would call me back. No one did. They just blew me off. I think if your paying $9,600/year the least they could do is answer a question.