Blue Horizon NJ: Exclusive Provider Organization (EPO) Health Plans

Are you looking for a health insurance plan that offers flexibility and access to a wide range of healthcare providers? Look no further than Horizon Advantage EPO plans, offered by Horizon Blue Cross Blue Shield of New Jersey. These exclusive provider organization (EPO) plans provide members with the freedom to use any participating physician, hospital, or other healthcare professional in the Horizon Managed Care Network without referrals.

With an EPO plan, you'll have access to a network of thousands of participating providers, including primary care physicians and specialists. You'll also have the option to choose from Preferred Tier 1 hospitals for non-emergency care, which can help maximize your benefits and reduce out-of-pocket costs.

In addition to medical coverage, Horizon Advantage EPO plans also provide integrated pharmacy benefits, including prescription medications and wellness programs. Members must select a primary care physician to coordinate care and provide referrals to specialists who participate with the Horizon Advance EPO product.

One of the key benefits of an EPO plan is that it allows members to have more control over their healthcare decisions. With access to a wide range of providers, you can choose the doctors and hospitals that are right for you, without needing to get a referral from your primary care physician.

Income requirements for subsidy on the exchange

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If you're considering purchasing an EPO plan through the health insurance exchange, you may be eligible for a premium subsidy if you meet certain income requirements. To qualify, you must have an annual income below a certain threshold and not be eligible for group coverage (or if you are, it must be considered unaffordable). Unaffordable means that your group coverage would cost more than 9% of your annual income.

Getting a better deal on your individual coverage

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If you're purchasing an EPO plan as an individual, there may be additional benefits to consider. Some individuals will qualify for a premium subsidy if they purchase their coverage from the exchange. Otherwise, it's probably best to work with a broker who can help you navigate the options and find the best fit for your needs.

Benefits of going on the exchange

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One of the key benefits of purchasing an EPO plan through the health insurance exchange is that you may qualify for a premium subsidy. Additionally, all of these plans will be offered on the exchange, along with other options from Horizon Blue Cross Blue Shield.

If you have questions about pricing or your specific plan, don't hesitate to call us at (201) 387-0177.

AM/PM Walk-In Urgent Care

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In addition to EPO plans, AM/PM also offers affordable rates for self-pay patients who do not have health insurance. And if you're a Horizon Blue Cross Blue Shield member, you're covered at any of our three convenient locations in Bergenfield, Cliffside Park, and North Bergen.

We offer a range of services, including:

* Urgent care

* Acute care

* Preventive care

If you have any medical issue or need to see a doctor, feel free to visit us without an appointment. Just walk right in!

Important Links for Horizon Blue Cross Blue Shield

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For more information about your coverage and to answer any questions you may have, please visit the following links:

Remember, it's always a good idea to review your coverage options carefully before making a decision. If you're unsure about which plan is right for you, don't hesitate to reach out to us for guidance.

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