Horizon BCBS of New Jersey Health Insurance Ratings
Product
Health
Overall
82.86
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? 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. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
NR
Other Companies to Consider:
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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 offers | 37% |
| Saw online ad | 15% |
| Recommended by friend or family member | 12% |
| Offered best price | 11% |
| Saw TV commercial | 9% |
| Reputation | 7% |
| I have/had other insurance with this company | 5% |
| Was the company my parents had | 4% |
| The company website and mobile apps are easy to use and helpful | 1% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
35%
Satisfied - Fulfills my needs okay
33%
Completely satisfied - Gives me what I want and more
20%
Neutral - No good or bad feelings on this
9%
Never visited or used website or mobile app
4%
Not Satisfied - Is not a good website or app
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent
How You Prefer to Deal with Insurers
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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 2020: How Horizon BCBS of New Jersey Compares
Horizon BCBS claimed 6th spot in the 2020 Best Health Insurance Companies survey. Horizon also received good marks and obtained 5th place for value of price. Other rankings were mid-pack, 6th place for ease of use for website and mobile apps and 9th place for customer service. However, nearly all respondents for Horizon BCBS said they would renew with Horizon, 96%, and a good amount, 78%, 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 Horizon BCBS of NJ'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
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"Always attentive to the client"
-Age 18-36, New Jersey
"Always shows great enthusiasm in helping the customers"
-Age 18-36, New Jersey
"First rate services"
-Age 18-36, New Jersey
"Friendly people to work with"
-Age 18-36, New Jersey
"High quality service"
-Age 18-36, New Jersey
"Good taste and good payment methods"
-Age 18-36, New Jersey
"Great customer service, paid claims on time"
-Age 18-36, New Jersey
"I choose this policy because this is the best"
-Age 18-36, New Jersey
"I have a positive experience with this company and would recommend it to all my friends and family."
-Age 18-36, New Jersey
"I like this company "
-Age 18-36, New Jersey
"I recommend them"
-Age 18-36, New Jersey
"It is one of the best insurance agencies"
-Age 18-36, New Jersey
"It is working quite well for me"
-Age 18-36, New Jersey
"Low copays large coverage plan with physicians"
-Age 18-36, New Jersey
"My favorite health insurance"
-Age 18-36, New Jersey
"Nice experience, hope such a handholding support will last in the times to come"
-Age 18-36, New Jersey
"Simple steps for claiming and after the completion, still staff talks you in nice way"
-Age 18-36, New Jersey
"Super quality of service"
-Age 18-36, New Jersey
"Thankful, fantastic service provided to me"
-Age 18-36, New Jersey
"The insurer is one of the best in the state."
-Age 18-36, New Jersey
"Their methodologies are incredible"
-Age 18-36, New Jersey
"They are giving me better services and better consumer service than last insurer"
-Age 18-36, New Jersey
"They have great services and prices"
-Age 18-36, New Jersey
"They offer good coverage and are very reliable."
-Age 18-36, New Jersey
"This insurer has a wide range of options to choose the most convenient"
-Age 18-36, New Jersey
"This insurer is very effective with its users, that's why I love it."
-Age 18-36, New Jersey
"Very easy to work with"
-Age 18-36, New Jersey
"Very good payment options, but certain failures usually present"
-Age 18-36, New Jersey
"You will always get a clear explanation on the terms and conditions"
-Age 18-36, New Jersey
"I personally like to be able to get any and all info I need without having to be too involved with the company and this company allows me to do that."
-Age 37-52, New Jersey
"Agent involved in my insurance was really helpful and kind"
-Age 37-52, New Jersey
"An actual representative actually picks up the phone every time I call. They are very helpful."
-Age 37-52, New Jersey
"Best doctors and coverage"
-Age 37-52, New Jersey
"Compare this company and you will find all is good with them"
-Age 37-52, New Jersey
"Good coverage, it accepted almost everywhere"
-Age 37-52, New Jersey
"Good coverage, decent premiums"
-Age 37-52, New Jersey
"Good guidance while selecting the policy"
-Age 37-52, New Jersey
"This company has a good network of physicians to use"
-Age 37-52, New Jersey
"Great customer service"
-Age 37-52, New Jersey
"Health ins is expensive no matter what plan you go with. I feel that we pay too much but at the same time it is necessary and no matter what plan we choose it costs a lot. That being said anytime I have had a problem with this plan in has been resolved promptly and courteously and that is what matters to me."
-Age 37-52, New Jersey
"Horizon has the best customer service. Many doctors and phyarmacyaccept this insurance. Great customer service. "
-Age 37-52, New Jersey
"I am very much happy about the policy I had and the company I am with"
-Age 37-52, New Jersey
"I am very much satisfied and delighted the way they clarified my doubts"
-Age 37-52, New Jersey
"I sincerely appreciate the team of this company, they are doing a great job"
-Age 37-52, New Jersey
"I would suggest anytime to go with this insurance company and get yourself secured"
-Age 37-52, New Jersey
"Most doctors and hospitals accept the coverage"
-Age 37-52, New Jersey
"Prompt service"
-Age 37-52, New Jersey
"Regular checkups are made here given world class comfort, relax and satisfaction to customers with positive approach."
-Age 37-52, New Jersey
"Services are of high level"
-Age 37-52, New Jersey
"Take care of claims in a good way"
-Age 37-52, New Jersey
"Thank them for their kind assistance at my company as they are most helpful"
-Age 37-52, New Jersey
"They are reasonable."
-Age 37-52, New Jersey
"They easily fulfill your needs"
-Age 37-52, New Jersey
"They were able to give comparisons and recommendations, which suited my needs and I decided they are the best"
-Age 37-52, New Jersey
"Totally best in the business"
-Age 37-52, New Jersey
"Very friendly and nice on answering to your calls and queries"
-Age 37-52, New Jersey
"Very well assisted in finding me a specialist to take care of my problems"
-Age 37-52, New Jersey
"Well linked up with good hospitals"
-Age 37-52, New Jersey
"I like them very much"
-Age 37-52, New Jersey
"You can notice different facilities for different kind of people and all are beneficial"
-Age 37-52, New Jersey
"Being with them is good for my health"
-Age 53+, New Jersey
"Best insurance service provider in the current market"
-Age 53+, New Jersey
"Company gives me good coverage "
-Age 53+, New Jersey
"Different insurance plans, manages health of buyers anywhere, anytime and world class comfort. "
-Age 53+, New Jersey
"Getting best coverage in the best price"
-Age 53+, New Jersey
"Good fast service overall"
-Age 53+, New Jersey
"This company cares the health of its policy purchasers"
-Age 53+, New Jersey
"I find them seriously working for sure"
-Age 53+, New Jersey
"I wish there was better customer service and a better website"
-Age 53+, New Jersey
"It has an extensive products for you including individual, family, medicare, etc."
-Age 53+, New Jersey
"Most doctors and hospitals accept the plan, worth the extra money"
-Age 53+, New Jersey
"The insurance company provides the insured with the facility of cashless hospitalization at a network hospital or provides a reimbursement for the incurred expenses."
-Age 53+, New Jersey
"They give me what I need at a price I can afford."
-Age 53+, New Jersey
"They will not bother you unnecessarily"
-Age 53+, New Jersey
"They watch for my interest first, the way it should be"
-Age 53+, New Jersey
"You can get servuce from the best without any hassle"
-Age 53+, New Jersey
"Doesn't cover a high percentage of non basic items."
-Age 18-36, New Jersey
"Expensive"
-Age 18-36, New Jersey
"I don't really have anything positive to say. I wish they were a little more helpful with providers instead of asking individual places and being told yes or no"
-Age 18-36, New Jersey
"It's good but why not to have a better option"
-Age 18-36, New Jersey
"It's very hard to get help because you have to call and wait on the phone for a long time, then explain your problem several times and usually they don't know a lot and have trouble helping you."
-Age 18-36, New Jersey
"One of the conditions that every insurer must meet is to leave written in its terms is the quota fixed and if it tends to change unexpectedly what are the variables in their causes and effects for the client"
-Age 18-36, New Jersey
"The only issue I had was when I had my daughter. They didn't want to pay. Finally they paid a small portion. I also needed to find a certain doctor and the one representative didn't understand what I was talking about. That wasted about 20 mins and still didn't find the type of doctor I was looking for."
-Age 18-36, New Jersey
"This insurance should be expanded to less accessible places for those who need some coverage"
-Age 18-36, New Jersey
"Decent coverage but a bit pricey"
-Age 37-52, New Jersey
"All is going well with them nothing impressive or repulsive"
-Age 37-52, New Jersey
"My insurance company has unfortunately raise their pricing, & do not give as much coverage as iI would like."
-Age 37-52, New Jersey
"That some employees there aren't good at what they do, so write down who you talk to, and the date that you called, so if there's a problem, you can refer back to your notes."
-Age 37-52, New Jersey
"They do not pay much for services and I do not appreciate that. It makes it bad for all members in finding doctors"
-Age 37-52, New Jersey
"The main provider is good but going through the employers for payout is horrible"
-Age 37-52, New Jersey
"You will sometime find them doing a mistake but they cover in no time"
-Age 37-52, New Jersey
"A new customer, too early in making an opinion"
-Age 53+, New Jersey
"I called them one time to see if they would pay for a blood test at a hospital lab that was in another town and they didn't even know. So they had to call the lab and find out and then call me back. It was a pain but they did do this in a very timely manner."
-Age 53+, New Jersey
"Ridiculously high prices"
-Age 53+, New Jersey