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Horizon BCBS of New Jersey Health Insurance Ratings

Ranked No. 1 Overall
Customer Satisfaction Ratings (based on 100 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

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Reasons for Buying from Horizon BCBS of New Jersey

Customers of Horizon BCBS of New Jersey originally decided to purchase from the company for these reasons:
It's a health plan my employer offers24%
Saw TV commercial24%
Offered best price17%
Recommended by friend or family member9%
Saw online ad9%
I have/had other insurance with this company2%
The company website and mobile apps are easy to use and helpful2%
Was the company my parents had1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 53%
I probably would recommend this company. 36%
Neutral 10%
I would not recommend this company. 1%
I probably would not recommend this company. 0%

Would you renew?

Yes 96%
No 4%

What was most important when choosing your current health plan

Low premiums 35%
Preferred providers available 25%
Low deductibles 20%
I didn?t have a choice 9%
Not needing a referral (such as a PPO) 7%
Breadth of services 4%
Other 0%

Website and Apps

How easy to use and how helpful they are
53%Excellent - Gives me what I need and more
37%Good - Fulfills my needs
6%Just okay - Fulfills some but not all of my needs
3%Never visited/used website or mobile app
1%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

25%Interactive website
22%In person
5%Smartphone app
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About Horizon BCBS of NJ

BCBSNJ has grown over eight decades to offer several plans to best suit the needs of their customers.

  • BlueCard PPO
  • EPO (Exclusive Provider Organization)
  • Horizon Direct Access
  • Horizon HMO
  • Horizon MyWay (consumer-directed health plans)
  • Horizon POS (Point of Service)
  • OMNIA Health Plans
  • Traditional Indemnity (fee-for-service health plan)
  • Horizon Dental
  • Horizon Vision
  • Horizon Pharmacy

Best Health Insurance Companies: How Horizon BCBS of NJ Stacks Up

Horizon BCBS claimed the top overall ranking spot in the annual Best Health Insurance Companies survey. Horizon also received 1st place for value of price as well as second place for customer service and ease of use of website and apps. Nearly all respondents said they would renew with Horizon, 96%, and almost as many, 89%, said they would recommend the company to friends and family.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For health insurance, Horizon BCBS of NJ (NAIC# 55069) had a complaint ratio of 1.28 for individual health and 1.55 for group health for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Only the best for New Jerseyans

Don’t underestimate Horizon BCBS because it operates only in New Jersey, the company provides health care coverage for over 3.7 million people.       

The company was first formed in 1932 as the Associated Hospitals of Essex County, Inc., and ten years later, the Medical-Surgical Plan of New Jersey was combined. Since 1960, the company has been affiliated with Blue Cross Blue Shield, and in 1998, started conducting business as we know it today as Horizon Blue Cross Blue Shield.

The company has earned myriad awards for both its service to members as well as workplace accolades, such as 2016 Working Mother 100 Best Companies and Top 50 Best Places for Diverse Managers and Women to Work in 2016.  The website has numerous member resources, such as an education center, a wellness blog and a treatment cost estimator.

Contact information

Corporate headquarters

3 Penn Central Railroad

Newark, NJ 07105

Member services (800) 355-2583

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