You may change plans during the annual open enrollment month of November, and the new plan will take effect on January 1 of the following year. You may generally change to a less expensive plan outside of November. Please contact our Inside Sales Team to obtain further information about plan changes outside of the open enrollment month.

Your premiums will remain the same for 12 months from your initial coverage date. Premiums may change each year on the anniversary of your initial coverage date

Once you are enrolled, Horizon BCBSNJ will send you a monthly invoice which you can pay by personal check, or you may contact Member Services to set up auto-pay on your account.

When you apply online for a new individual or family plan, you must include the premium for the initial month of coverage, paid with your Visa or MasterCard.

You will then receive a bill for subsequent monthly premiums. If you do not wish to make your first payment using a credit card, you may either print out an application and submit it with a check, or contact our Inside Sales Department if you need additional assistance completing your application.

The New Jersey Individual Health Coverage Program Board offers a downloadable guide for individuals looking to purchase insurance in the state of New Jersey.

This Buyer’s Guide can be downloaded at the State of New Jersey Department of Banking & Insurance (DOBI) website.

Please note this information is currently only available in English.

In general, you do not need a referral to see a specialist when you enroll in a Horizon Direct Access, EPO or EPO Plus plan.

If you enroll in a Horizon HMO Plan, your Primary Care Physician (PCP) will provide you with referrals for specialists.