Frequently Asked Questions

Medical: Visit https://www.horizonblue.com/doctorfinder If you have registered on the Horizon Blue website, please loginIf you have not registered, locate the “Not a member?” section and select “Find Care in NJ”Enter your zip code in the location search barSelect Direct AccessOn the next screen you can find a list of doctors or facilities by specialtyDental: Visit https://www.deltadentalnj.com/fad/search and select the plan you are enrolled in (Premier or Flagship).Vision: Visit https://www.vsp.com/eye-doctor.

Choosing the right health plan depends on your healthcare needs, budget, and preference for provider flexibility. How do deductibles and out-of-pocket maximums work? Deductible: The amount you pay before the plan starts covering expenses. Only the Advantage EPO has a deductible for in-network services ($1,000 individual / $2,000 family). Coinsurance: After meeting your deductible, you may share a percentage of costs (e.g., 20% for the EPO inpatient hospital stays). Out-of-Pocket Maximum: The most you’ll pay in a calendar year for covered services. Once you reach this, the plan covers 100% of eligible costs for the rest of the year. Example – Hospital Stay Scenario: Let's compare the cost of a $20,000 hospital stay under each plan: Advantage EPO Plan Pay $1,000 deductible first Then, pay 20% of the remaining $19,000 ($3,800) Total cost: $4,800 (you pay $3,500 since that is the out-of-pocket maximum) POS Plan & Direct Access Plan Flat $200 copay for inpatient hospital stays Total cost: $200 Which Plan Should You Choose? Choose the Advantage EPO Plan if you: Want a lower out-of-pocket maximum ($3,500 individual) Are comfortable with no coverage for out-of-network providers Are okay with paying a deductible and coinsurance for more expensive services Choose the POS Plan if you: Want flexibility to see out-of-network doctors Prefer a fixed copay structure for most services Are okay with a higher out-of-pocket max ($5,000 individual) Choose the Direct Access Plan if you: Want no referrals for specialists Need access to out-of-network providers Prefer predictable copays for most services Need Help Deciding? Contact your Lacher healthcare advocate for more information.

Medical: Login to www.horizonblue.com. Once logged in, you'll have access to print or download an ID card. You may also call Horizon Blue Cross Blue Shield at 1-800-355-2583 to request a new ID card. Dental: Login to www.deltadentalnj.com. Once logged in, you'll have access to print or download an ID card. You may also call Delta Dental of NJ at 1-800-452-9310 to request a new ID card. Vision: Login to www.vsp.com. Once logged in, you can view, print, or request ID cards.

When you register on the Horizon Blue Cross Blue Shield member portal, you can manage your claims, download or print your ID card, and find in-network care. To register on the Horizon Blue Cross Blue Shield member portal, follow these steps: Visit the Registration Page: Go to the Horizon Blue Cross Blue Shield website and locate the member portal. You can typically find this under the "Member Sign In" section. Select 'Register': If you are not yet registered, click on the "Register" option. Provide Required Information: You will need to enter personal information such as your member ID number, date of birth, and possibly the subscriber's Social Security Number for verification purposes. Create a Username and Password: Follow the prompts to create a unique username and a secure password for your account. Complete Registration: After filling out all necessary information, submit your registration. You may receive a confirmation email or message indicating that your registration was successful. Sign In: Once registered, return to the member portal and sign in using your new credentials.

You are required to update your Horizon Blue Cross Blue Shield Coordination of Benefits information every year so that they can properly process your claims. Coordination of Benefits information confirms whether you and/or your enrolled dependents have insurance coverage other than your employer's and if so, what that other insurance is, so that they can determine proper payment responsibilities for claims. If your Coordination of Benefits is updated yearly or as requested, your claims will be processed. Click here for the Coordination of Benefits form. If you’d like to complete the Coordination of Benefits online, you can do so once you are registered on the Horizon Blue Cross Blue Shield portal.

When you enroll in one of our healthcare plans, you have access to use telemedicine, which allows you to speak with a doctor 24/7 by phone, text, or video chat. Click here to get started. Click here to learn more or watch the video below.