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Horizon bcbs of nj direct access12/29/2023 Covered mental health benefits include counseling and therapy as well as inpatient mental health and addiction treatment. Therefore, all health plans must cover these treatments. FFS plans are a traditional type of insurance in which the organization will either pay the medical provider directly or reimburse the policyholder once they have filed an insurance claim for each covered medical expense.ĭoes Horizon BCBS Cover Mental Health Treatment?Īs required by the Affordable Care Act, behavioral and mental health treatments are considered essential benefits. Indemnity health plans are fee-for-service (FFS) plans. These plans have lower premiums and do not require members to seek referrals for specialized treatment services, so long as the providers are in-network. Horizon’s OMNIA health plans include a variety of plan types. POS plans cover medical emergency screening exams, which are performed in a hospital ER to determine whether a medical emergency exists. Horizon’s POS plan lets members choose their own medical service providers. Also, these plans are less flexible since members must get specialist referrals from their primary care provider. Health maintenance organizations (HMOs) require some out-of-pocket payments from their members. Direct Access plans offer members referral-free access to many healthcare services and programs, as well as one of the largest provider networks in the U.S. Horizon’s EPO network is the same as that in the BlueCard PPO plan. EPOs allow members to receive full benefits if they stay in-network. EPO (Exclusive Provider Organization).Still, coverage is greater for those seeing in-network healthcare providers. The nation’s preeminent Blue Cross and Blue Shield Preferred Provider Program, BlueCard PPO allows members to see any provider they want, even those out of network. The types of plans that Horizon BCBSNJ offer include: All Horizon plans cover behavioral health treatment, though there are variations regarding which services and how much is covered. Horizon BCBSNJ strives to cover as many people as possible via its wide variety of plans. The study was fielded from January to April 2022 among commercial HMO, PPO, and point of service (POS) plan members. Power Award for the highest member satisfaction among commercial health plans in New Jersey for 2022. The company later became the nation’s first Blue Cross Plan.įor the third year in a row, Horizon BCBSNJ received the J.D. formed a multi-hospital prepayment insurance plan. Horizon BCBSNJ dates to 1932, when Associated Hospitals of Essex County, Inc. The Newark, N.J.-based organization provides health insurance coverage to more than 3 million people throughout the Garden State. Horizon Blue Cross Blue Shield of New Jersey is a nonprofit health services organization best known for its managed care and traditional insurance plans for individuals and employers.
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