Always try to short you, have to read over all the EOBs.
It's been relatively trouble free.
You have to read the detail summary of your plan and know what you're getting into...the more you pay the better coverage you have. The customer service reps can help with almost everthing but once in a while you get one that is not nice or helpful. Horizon has a wonderful detailed website where you can find answers t ALL your questions about the plan.
This company has improved dramatically over the past 20 yrs.
I have never had a problem with this insurer and I have been a member for a VERY long time.
It's a necessary evil.
Never had any problems.
Very competitive pricing.
Doctor sends in forms. I don't have to do anything.
Customer service is exceptional.
Reason for buying from Horizon BCBS of NJ
Customers of Horizon BCBS of NJ originally decided to purchase from the company for these reasons:
4% Saw a commercial. 15% The insurer's reputation. 10% Ther insurer offered the best price. 12% The insurer was recommended by a friend. 54% Is the health plan my employer offers. 6% Other reason.