Ratings

Health best-health-company-ratings
Overall Rating info icon info icon
4.0 ratings
Claims Processing
4.0 ratings
Customer Service
4.0 ratings
Value for Price
3.5 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
83%
% Who Plan to Renew
97%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
NR

HOW WE WEIGH OUR SCORE

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.

Reasons for Buying

Customers of Horizon BCBS of New Jersey originally decided to purchase from the company for these reasons:
  • 38% It's a health plan my employer offers
  • 15% Saw online ad
  • 14% Reputation
  • 8% Offered best price
  • 8% Saw TV commercial
  • 6% I have/had other insurance with this company
  • 4% Recommended by friend or family member
  • 4% The company website and mobile apps are easy to use and helpful
  • 3% My parent's health company
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Customer Complaint Ratio

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( Horizon BCBS of New Jersey’s customer complaint ratio for Individual Health insurance is 1.04 )
( Horizon BCBS of New Jersey’s customer complaint ratio for Group Health insurance is 1.73 )
1.04
0 1 3 10+
1.73
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

Best health insurance companies 2021: Horizon BCBS of New Jersey

Horizon Blue Cross Blue Shield of New Jersey is headquartered in Newark, New Jersey, and is the only licensed Blue Cross and Blue Shield Association plan in New Jersey. BCBS of New Jersey provides health insurance coverage to over 3.2 million people throughout all of New Jersey.

BCBS of New Jersey is part of the Blue Cross Blue Shield association. This is a national association of 36 independent, community-based and locally operated Blue Cross Blue Shield companies. The BCBS association provides healthcare coverage to over 107 million members in all 50 states, Washington, D.C., and Puerto Rico. Nationwide, over 96 percent of hospitals and 95 percent of doctors and specialists contract with Blue Cross Blue Shield companies which is more than any other insurer in the country.

How Horizon BCBS of NJ stacks up

Horizon BCBS of New Jersey earned a 4 out of 5-star rating in our annual Best Health Insurance Companies review with 3.5 and 4 stars across the board in claims, price, customer service and website & apps.

When we asked Horizon BCBS customers if they would recommend them to others, 83% said yes. Ninety-eight percent of Horizon BCBS customers said they planned to renew their health plan with Humana.

How likely to recommend?

  • 45%I would definitely recommend this company
  • 38%I would probably recommend this company
  • 16%Neutral
  • 1%I would not recommend this company
  • 0%I would probably not recommend this company

Would you renew?

97% Yes
3% No

Ratings on Website & Apps

  • Fairly satisfied / Fulfills my needs OK 52%
  • Completely satisfied / Outstanding website & apps that give me what I need and more 31%
  • Average website and apps 12%
  • Very unsatisfied / digital offering is severely lacking 3%
  • Unsatisfied / website and/or apps are not fulfilling my needs 1%

How do you prefer to deal with insurer and policy?

  • Phone 43%
  • Interactive website 20%
  • In person 14%
  • Email 13%
  • Mobile App 10%

Horizon BCBS coverages

  • Health Insurance for Individuals and Families including OMNIA℠ Health Plans and Advantage EPO Health Plans
  • Medicare plans
  • Medicaid plans
  • Health insurance plans offered via employers
  • Dental
  • Vision
  • Health plans in the insurance marketplace

About Horizon BCBS

Horizon BCBS was formed in 1932 as Associated Hospitals, Inc. which was the first multi-hospital service plan. In 1936 the plan went statewide as the Hospital Service Plan of New Jersey.

In 1960, legislation passed that empowered the State Employees' Health Benefits Commission to purchase basic health insurance from BCBS and in 1964 legislation passed that permitted participation by New Jersey Blue Cross and Blue Shield in national accounts.

Blue Shield started underwriting dental coverage in 1977 and in 1986 Blue Cross of New Jersey and Blue Shield of New Jersey merged to become Blue Cross and Blue Shield of New Jersey, Inc.

In 1993, BCBS expanded its operations to create managed care hospital and dental networks as well as entered the Medicaid HMO market.

In 1998, the company changed its name to Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) and their membership jumped up to 2 million in NJ. In 2004, they introduced Health Savings Accounts (HSAs) and had over 3 million members and nearly $1 billion in surplus. That made Horizon BCBSNJ New Jersey's largest health insurer.

In 2013, as the Affordable Care Act's Health Insurance Marketplaces opened up, Horizon BCBSNJ began offering insurance policies on the exchange, one of only three health insurers in New Jersey. In 2015, Horizon BCBSNJ worked with leading New Jersey health systems to create the OMNIA Health Alliance to help transform how health care is financed and delivered in New Jersey.

In which states Horizon BCBS of New Jersey is available?

States in which Horizon BCBS of New Jersey is available
New Jersey

Contact Horizon BCBS of New Jersey

Corporate Headquarters

3 Penn Central Railroad

Centene Plaza

Newark, NJ 07105

Member services (800) 355-2583

Company Website

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