Horizon Blue Cross Blue Shield of New Jersey

I would just like to inform everyone to never ever go with Horizon Blue Cross Blue Shield of New Jersey, or just Blue Cross Blue Shield in general for anything. They have no heart and do not care about anyone but themselves. Patients are just a number to them and even when you fight so hard again and again and again to get approved of a surgery that could change my life because medication alone hasn’t been helping for over 10 years.

God help you if they make a mistake processing a claim. It was like living in a bad episode of the Three Stooges. Over 10 months into the initial claim I (not them) am close to having it resolved. Take notes and names w/ every phone call you have to make. Pretty sure they're not allowed to speak to each other out loud with words and are required to communicate via email. Not sure if they are actually typing emails or tapping their fingers on their desks to make it sound as such. Seems like once the emails were "sent", they vaporized. The person in the complaints department was to email me information, that never happened and then we were ghosted. I was disappointed. We'd had this insurance for years without issue. A conference call with an actual human in charge could have solved our issue months ago. But apparently they don't do that.

The customer is always right yet when NJ Direct for Horizon Blue Cross Blue Shield is asked to have checks correctly payable to individual providers, they make excuses instead of re-issuing checks appropriately. They combine providers and patients which mixes up the business and is extra work to get processed. When contacting customer service multiple times about the issues, they get defensive instead and don't fix the problems. Their laziness (instead of organization of what they get paid to do) is what causes bad review.

For many years I had the Silver Advantage Plan paying over $1k per month for single coverage. Fortunately, I hardly used the insurance. When Pandemic hit my business went down so I looked into lower-cost insurance using "Get Covered NJ", the representative told me the Horizon BCBS "Omnia Silver plan was just as good" and didn't explain about the tier 1 & 2. I specifically asked if I could go to better doctors in Philadelphia and was told yes, but wasn't told this would be considered tier 2 and I would have to pay for everything! Doctors visit $300, 10 min test $2,000!! They wouldn't pay the $370 blood work because it was ordered by a tier 2 doctor, even though I had this lab work done at Labcorp in NJ by my home. If you want health insurance that does NOT pay for anything then the Omnia plan is for you!

Since I started working in 2005 I have used this insurance company. They provide me with all the information and care that I need to ensure my health is on point. They have a great network of doctors and specialists. This company is always ranked number one for me.

They were really slow initially in sending us our insurance cards. They did however mail us our cards after constant pestering. They are also slow in processing claims. They are, otherwise okay. They have good coverage of doctors, for both primary care and specialists.

I cancelled your coverage after the first month of enrollment yet I am still receiving bills. A health care insurance provider should have representatives available 24/7. Not Horizon Blue Cross. I have notified them of my cancellation three months ago yet still receiving bills. It's obvious that your your representatives are not only unavailable but illiterate. If my balance is not deleted I will seek legal action for fraudulent billing!

A retiree in NJ and was forced to switch over to BCBS of NJ from Aetna. Need to get to doctor in second week of January. Informed several months ago of switch to comparable plan I had with Aenta. Never received a new card or patient ID card/number. So I try to get on portal and it's telling me I have to register as a new subscriber which I understand. However the link to it WILL NOT LOAD after hours of waiting. Called number given and of course "Call volume higher than expected". Here we go. What a joke.

Blue Cross and "Bait and Switch" Health Insurance. I purchased the silver with a 50% out-of-Network only to find out months later there was no out of Network covered. I spent way over my deductible without any medical bills being paid by BCBS. When I called, I was told, "We don't guarantee we cover any of your medical. Paying your bill every month only guarantees we'll keep your account open." I could not believe what I was told while every out over $4,000 of paid insurance and out of pocket over $10,000. What a racket! I spoke to other people who had BCBS and they had similar stories. Blue Cross Blue Shield needs to be shut down and investigated and there should be refunds.

I am so mad that every time I call on my own claims they tell me I cannot because the insurance in my wife’s name even though she has given the insurance the authorization to do so. Their member services are by far the worst I have ever dealt with. Zero stars????