Horizon Logo



star star star_half star_border star_border
2 User Reviews
error This company may not service all states.
See states serviced
LAST UPDATED: September 22nd, 2020

The full name of this health insurance company is Horizon BlueCross BlueShield of New Jersey. Evident in its name, Horizon is a subsidiary of BlueCross BlueShield. It was founded in 1932. It serves millions members in Delaware, New Jersey, New York, and Pennsylvania.

Read Horizon Reviews


The Good

  • Health Plan Options
  • Member Resources
  • Health Support Programs and Rewards
  • Helpful App
  • Customer Service
  • Time in Business

Health Plan Options

If you're shopping for health insurance coverage, Horizon has a big selection of health plans to choose from. To begin, it has Medicare and Medicaid options. Horizon offers Medicare Advantage, Medicare supplement, and prescription drug plans. It also offers a Dual Special Needs Plan (D-SNP) for people who qualify for both Medicare and Medicaid called Horizon NJ TotalCare.

It also offers HMO plans (Health Maintenance Organization), PPO plans (Preferred Provider Organization), EPO plans (Exclusive Provider Organization), traditional indemnity, and Consumer-Directed Health Plans (CDHPs).

Horizon's Consumer-Directed Health Plans are called Horizon MyWay and come in FSAs, HRAs, and HSAs.

Before you enroll in a health insurance plan, be sure to review the premium amount, out-of-pocket costs (e.g. coinsurance, deductible, etc.), coverage, and network-type.

Dental and vision coverage are available through Horizon as well. There's an entire website devoted to dental plans, which also has a Find a Dentist tool and descriptions of each insurance plan. These include family and individual plans, small group plans, and plans for groups of more than 50 people. There are even pediatric dental plans, such as the Horizon Young Grins.

Vision insurance is covered through Davis Vision.

Member Resources

As a health insurance customer, you want to be able to easily make payments, view your benefits, check claims, and connect with health care professionals. Horizon makes all of these tasks — and more — convenient and easy to find. There have tools to find doctors and pharmacies in your network, as well as viewing member benefits and claim statuses.

It's also easy to find forms you need to download, to make payments on premiums, and to manage other aspects of your account.

Horizon MyWay® is the name for the member services. There is a member-dedicated phone number to call, as well as 24/7 access to a nurse if medical concerns come up. Customer service phone numbers themselves are not available 24/7 though.

Health Support Programs and Rewards

Horizon makes it clear that it wants members to be healthy. It encourages healthy living with lots of different programs for members. For example, if you have a chronic illness, it can be hard on your body, not to mention being emotionally and mentally taxing. There's a Chronic Care Program offered through Horizon that gives you a health coach and access to other healthcare professionals who can help you learn to better manage this condition and develop the healthiest lifestyle possible so your condition doesn't have so much control over you.

Horizon also offers case management programs for certain cases. It also offers a cancer program. Through this program, members can receive health counseling and one-on-one education from registered nurses.

There are also programs to support people who struggle with behavioral health, mental health issues, and maternity.

Blue365® is the insurance company's main rewards program, functioning through BCBS, that offers members discounts on healthy products such as gym memberships, as well as advice for healthier meals to make and other everyday topics. Even if you don't want to get involved with a program, but you could use some health advice, there is a section of the company's website devoted to educating members about their rights in health insurance, about understanding their health insurance plan benefits and financing, and broader insurance terms. Blue365 is available with employer-sponsored group plans and may not be available with other Horizon health plans.

Helpful App

The Horizon Blue App is a great resource, too, for managing your account. It allows members to view their ID card, benefits, claims, authorizations and referrals, and overall account activity.

Customer Service

Upfront, you know that this company has its customers' best interests at heart.

Health insurance is a tough topic, full of stress and anxiety for so many people. Customer service is crucial to your experience with a company. Horizon knows that and has devoted plans to cater to New Jersey residents. Horizon offers many tools to contact a representative, including a 24/7 nurse line, 24/7 claim access, customer service phone numbers, and helpful upfront information about its health plans.

Time in Business

This insurance company was founded in the early 1930s, which means it has plenty of health insurance experience! With a long company history comes in-depth experience with customer satisfaction and solid business practices.

Get Quote


The Bad

  • Limited Customer Reviews
  • Small Service Area
  • No Short Term Plans

Limited Customer Reviews

Horizon does not have many customer reviews on Best Company. This lack of reviews means that no conclusions can be drawn regarding the customer experience. 

However, Horizon is affiliated with BlueCross BlueShield, which has earned high ratings from customers on Best Company.com.

Small Service Area

Horizon primarily serves members in New Jersey. Its plans are also available in Delaware, New York, and Pennsylvania. While it's a benefit for residents of those states, it makes Horizon irrelevant for all other customers. If Horizon isn't available in your area, you'll want to consider another insurer. You may be able to find a plan from another BlueCross BlueShield subsidiary.

No Short Term Plans

Horizon offers a wide variety of health plans, but they make no mention of having short term health insurance. For people in between jobs or waiting for insurance to come through, short term coverage can be a lifesaver, but it's not an option here.


The Bottom Line

Horizon BlueCross BlueShield is only an option for customers living in Delaware, New Jersey, New York, and Pennsylvania. The other limitations that this company has been not deal breakers though. As long as you live in this service area, Horizon is worth investigating further. Its member resources are sure to please, as it makes many member tasks easy to accomplish.

Although no recommendation can be made based on the customer experience, Horizon is a longstanding insurance company with a variety of insurance plans and expertise in the field it serves. Any customer who chooses Horizon will likely enjoy its extra features, plan flexibility, and convenient member tools.

Was this content helpful?
thumb_up Yes thumb_down No

We'll Introduce You!

Call our recommended rep over at Horizon below.

1-(855) 382-0609

Star Rating


star star star_half star_border star_border

2 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star_border star_border


star star star star star_border


star star star_border star_border star_border


star star star_border star_border star_border

Filter by:


Sort by:

star star star_border star_border star_border

Britt Sondreal-McLaughlin Trenton, NJ

We have had Horizon Blue Cross Blue Shield of NJ for about three years now. Had I been writing this review last year, I would have given it four stars. However, in the past six months their customer service has really taken a turn for the worse. To be completely fair, several of the mix-ups and confusion we've had with our plans over the past few months have been the fault of the health care marketplace and not Horizon. However, Horizon has also made a few pretty serious errors in our coverage, the last resulting in the termination of dental coverage without prior notification (due to an incorrectly entered bank account number in the automated system). We've had some very positive experiences with their customer service as well, and, until recently, had been quite happy with them as a provider. Let's hope they iron out the kinks in their system, become more proactive about notifying customers of problems with their accounts, and turn their customer service ship around. Thankfully, we are moving out of state and on to a new insurance company! Much as I hate to say this, I would steer clear of Horizon for now.

2 years ago

star star star star_border star_border

Holly Nelson Universal City, TX

Good policies but whatever customer service

3 years ago

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information