ID cards are sent to new members approximately 2 weeks after an application has been received.  In the event that a member requires medical attention prior to receiving an ID card, a copy of the Individual Application may be used as proof of insurance.  Members can verify coverage by calling the Horizon BCBS of NJ Individual Department at (800)355-BLUE.

Horizon Blue Cross Blue Shield of New Jersey offers Indemnity and HMO Medical Plans as well as Dental Plans for individuals and their families.  To determine which plan is right for you, please review the plan descriptions below:

	Horizon BCBSNJ Centurion Dental Enrollment Kit.pdf
	Horizon BCBSNJ Dental flyer.pdf
	Horizon BCBSNJ Individual Aug10-Oct10.pdf
	Horizon BCBSNJ Individual Rates and Benefit Summaries May10-Jul10.pdf
	Horizon BCBSNJ Individual Rates Aug10- Oct10.pdf

Note that Indemnity plans may become effective any day of any month.  HMO plans, however, may only become effective on the 1st or the 15th of the month.

To locate a physician, please refer to Horizon's online physician directory.

In order to upgrade your coverage, your application must be submitted during the month of November, which is the annual Open Enrollment Period defined by the state of New Jersey.  The upgraded plan change will go into effect on January 1st of the following year.  Due to New Jersey state law, upgrades in coverage cannot be processed as of your renewal date.

Members can downgrade coverage during any month of the year.  Changes will go into effect beginning with the next billing cycle (i.e., the first of the month).

Please note that Horizon BCBS of NJ will allow members to convert from an Indemnity plan to an HMO plan as long as the HMO plan rate is less than the existing Indemnity plan rate.  This type of change may be done in any month.

If you need additional assistance, contact Colin Scheifler at (800)237-4009 ext. 123 or via email at colinscheifler@savoyassociates.com.