Horizon Blue Cross Blue Shield of New Jersey Reviews 13

RUN RUN RUN ...
DO NOT SIGN UP FOR THE RX PLAN

THEY WILL PUT YOU THRU HELL!!!

Worst insurance company I’ve ever dealt with. Nothing but problems and prescription is managed through a third party. Absolutely awful, do not recommend. Aetna is way better in my opinion.

I've been waiting nearly two years to get a simple claim paid. They've messed it up so many times that even they can't unravel the mess. Meanwhile, the provider required me to pay out of pocket or were sending the claim to collection. 50 phone calls and 2 years later, I'm still waiting for my reimbursement. All I get from them are apologies and thanks for "patiently waiting". Most ineptly run company.

I have never had an issue with the plan or coverage. I needed tech support as I could not log in due to "a technical issue." I called tech support and was told that they "only do basic support" and within 5 minutes they informed me that it would be esculated to a senior tech. Here's the clincher: "You can expect an answer to your problem in 3-5 business days." So much for tech support. That turnaround is unacceptable in modern times.

I'm going to be honest- I would NEVER recommend Horizon Blue Cross Blue Shield as their communication, lack of care for their customers and follow through is terrible-
BUT
If you have Horizon and you need help- I highly recommend Trish.
I had the worst experience with my COBRA (Well over a month and multiple phone calls to resolve) and no one seemed to know how to fix anything and kept saying "sorry" we cannot help- you don't have an account. I finally got Trish who not only followed up with me multiple times, but went above and beyond to solve my problem and get it fixed ASAP.

I highly recommend Trish (if you have Horizon) to help with your problems- she is amazing to work with, highly intelligent and gets answers for you in a timely manner.

Awful.

While a member, my doctor's office always had to call them because their automated system is filled with mistakes.

After cancelling my policy and getting paper mail confirmation, I received an email a week later saying I would be billed for the next month. Calling the number in the email, the number on my old card, or several other Horizon BCBS numbers on google all resulted in being redirected to a "Medical Alert Center" which tried to sell me the "I've fallen and I can't get up" device. Despite an hour of trying, I was unable to reach a human associated with Horizon BCBS.

If they continue to charge, I will simply report any such charges as fraud.

This company is terrible.

Literally, Does Not Pay!
I've only had this lousy plan since May 1, 2023, but it feels like one YEAR of - hell! They mail free goodies through their online catalog, but who cares? They don't even provide the basics - full coverage of all doctors' prescribed drugs, and payments on all healthcare providers' - BILLS!
So, don't fall for their LIES - LIES of all healthcare costs and drug prescriptions being fully covered by them, with $0 out-of-pocket costs by you - the consumer! There is nothing convenient about their dual Medicare-Medicaid plan.

We applied for coverage for our employees through Horizon Blue Cross. We didn't get any communication from them until suddenly we were informed that our coverage was being cancelled for non-payment. Turns out, they had completely ignored the mailing address on our application and were sending documents to an incorrect address the whole time. No one had their insurance cards, no one knew what was going on. Yet somehow they were able to get ahold of us to let us know they were cancelling the policy.

Well, we worked out immediate payment to keep the account current, and when I found out that they had the wrong address, I brought it to their attention. Their answer? "We only communicate through the mail" even though they actually confirmed on the phone that they had the wrong address on file, AND that they had the correct address on the application!

Okay, so they won't communicate except through the mail, but they can't reach us by mail. Incompetent.

We finally got that straightened out, then they back-charged a new employee addition by two months even though they never sent her a card or any indication that her coverage had been started. When I went to ask what the "adjustment" was on the one bill that their web site conveniently had errors in loading, I was told by their call center "We can't tell you what's on the bill." They went through all of the verification questions to ensure I wasn't just some random person. I'm the plan administrator. Yet, they still couldn't tell me what was on the bill that their web site was having an error displaying?

I have had nothing but problems with this company. God forbid someone actually calls in with a claim. I can only imagine the infuriating process that must be. I would not trust their call center staff to successfully navigate putting on eyeglasses in the right direction.

I purchased from them an excellent health plan for the entire family for reasonable rates. Their rep helped me find the most suitable plan and not to overpay for some extra features we barely needed. I’m thrilled that I found them!

Better service for me. Thank you at all

I also had problems with billing. Specifically co-pays for therapy. They put the wrong amount in a program the behavioral therapy used and didn't care about fixing it, so I kept being billed the wrong amount and I had to keep telling the provider what my copay was.

However, everything else went smoothly. I had a car accident and knee replacement last year, so by the time I got to the knee replacement, I didn't have to pay anything else because I reached the maximum. You have to keep them straight once in a while, making sure the provider's bill should be paid by you or by Horizon, but it's that way with any insurance company.

this has been one of the worst companies i've dealt with and they can't seem to get any of my billing right. be careful when you are dealing with them and switch insurances if you can!

In early March 2017, we were informed by my husband's company, X, that they were changing medical insurance carriers, that we would have Horizon BCBS of NJ, effective March 15, 2017.

We received a letter dated April 26, 2017, from Horizon BCBS of NJ ( copy attached), which, in essence, stated that they would only consider themselves our secondary insurers, that Medicare, because of our age, should be our primary insurers. Needless to say, we were totally caught off guard and sent into a tailspin. We had NO knowledge of this. NO ONE HAD INFORMED us of this at the time we selected our BCBS health plan and assumed our monthly premium payments. To be paying premiums for insurance that we thought would adequately meet our health needs, only to find out, after the fact, that we were going to incur some huge out-of-pocket expenses, not to mention, the expense of a scheduled June 2nd, 2017 knee replacement surgery, is a BONAFIDE TRAVESTY and our reason for sending this appeal.
How did this fall through the cracks? Who is really at fault here? We, as the employee and consumer, did our due diligence and followed the rules. We FIRMLY BELIEVE that we SHOULD HAVE BEEN INFORMED had there been any discrepancies in the way we thought our insurance would work for us.