Customer ReviewsforHorizon Blue Cross & Blue Shield of New Jersey

This is the worst insurance you can get. I highly recommend doing your research. I pay privately. I am diagnosed with metabolic syndrome. A few months ago, I needed to have a surgery to fix an issue ( they denied) even with the medical notes and bw provided. It shows I have insulin resistance, pre-disposed to diabetes, metabolic syndrome, and high triglycerides. Yet- having learned that they make bonuses off denials (priority over your life) they don’t care. If your doctor is trying to assist with “weight loss” to prevent possible illnesses- just make funeral arrangements. You’re nothing but a cash cow. When you actually need the insurance, you won’t be helped. It’s a constant game of “approve, deny, appeal, deny , appeal”. This is why people hinder their or ration medications. It’s easier to gamble with yourself than rely on them.

Overseas Customer service agent gave wrong information about due date for policy payment. If I would have listened to this information, the policy would have been canceled. Customer service is only good at transferring members around and not helpful at getting any issues resolved. Extremely frustrating that Customer service agents are virtually useless.

Signed up for their ********* Dental Discount Program but none of the dentists I picked from their PPO dental network will participate. Customer Service tells me the PPO dentists are contractually obligated to participate yet they have not been able to convince my selected dentists to honor the program. Trying to get a refund of premium with no luck. Have been on the phone with them multiple times over several weeks. Next step is a complaint with NJ Insurance Dept.

Needed to get Obamacare because my husband became disabled and I lost my insurance. Get covered nj always you to put in a search for doctors and medications. Horizon came up as all covered so I bought their insurance. As soon as I put my medication in for renewal, horizon said we don’t cover that medication. This is false advertising and I spent $1400 for their fraudulent insurance. They screwed me over big time so stay far away from them.

Hi, I have been paying almost $900 a month for my insurance for the last few years. Back in November I received a notice saying that you guys will no longer offer blue card program for out of state. I use to live in new york, then I had open heart surgery and lived with my parents in NJ. At this point I went on cobra, after so long once the cobra stopped I started paying $900 to keep the insurance coverage I had to have blue card. When I got the notice in November my doctors signed this paper saying I needed to keep my blue card care because I am pregnant and I am at a HIGH RISK pregnancy patient. I am due any day now and I am trying to get answers to make sure I am covered. I don't know who else to call or email. I've tried everything and can't get a hold of anyone. This is SO stressful. I need to be covered, my doctors signed off and tried to call as well and they get no where. This is unfair and I want to speak to someone who is in charge of this type of matter and trying to expedite this coverage. I'm about to have the baby any day!

The website is just horrible! Response time is so slow and then it gives you a message that they're having technical difficulties. I had no communication, usually via email, when my husband went on Medicare about bill pay but they can send an email of what I owe. We are set up on auto pay. They keep charging the old policy that's been canceled. No communication on my new policy about payments but after signing onto my account, I have an astronomical amount due. I can't find my primary doctor but they take this insurance and when you call someone to confirm they say that the doctor is in network. Customer service is friendly and knowledgeable, once you get through 2-3 other options. Very time consuming and frustrating especially when going to the website or an app is how companies are working these days. I wasn't able to combine an old policy with my new policy. C/S said that I would have to create a new email. That's crazy! I'm an older person that rarely uses a computer. I am also the secretary of our household so when my husband had to go on Medicare I wasn't able to use my email as an identifier when I had to get a new member ID. This website needs a lot of updating! I gave two stars because of customer service when I call.

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. Truly I'm not sure how they even hire people, because if you can read the application, you're probably overqualified.

This insurance company denies everything including in network well visits, routine exams, specialists with referrals, behavioral health and even anesthesia for emergency surgery! Is general anesthesia for surgery optional or a special add on? I have been with the same healthcare providers for over 20 years and never had a single issue with my previous carrier which was ******  Since having to switch to Horizon because of my employers decision to change companies in 2020, I have been dealing with denial after denial which in some cases resulted in collection activity. In addition, they keep asking me time and time again to report a coordination of benefits for my family but they are our only carrier! They say denials are code issues or they just can’t give me an explanation but still don’t pay the claims after repeated submissions. I finally, after 3 years of unwarranted denials and hours of attempted resolution on the phone, filed a formal complaint with the NJ Division of Banking and Insurance. They responded to my complaint within 1 hour and are currently working on my behalf.

Customer service could not be worse. I've been trying to get a claim processed since June of 2022. Spoken to a dozen people in the black hole call center, with a dozen promises made to fix the problem and NOTHING done. The submitting provider has called BCBS 3 times and even they have had no luck with the clowns.

Most of my doctors and tests are covered. But 1 blood work gave me a bill of $800+! My problem is not with coverage, but monthly Billing! I have had a billing dispute with HBCBSNJ for almost 3 years now. I overpaid my premium $107 in March 2020. In the middle of the ***** lockdown, they tried to drop me for non-payment. In fact, I had overpaid. Fast Forward to 2021. I again kept overpaying. Due to my tax returns, my premium dropped to 70 cents/ month. I asked them to transfer the balance for the rest of the year minus what was due for Medical into covering Dental. At $43.02, This would've covered Dental through April 2022, and Medical through March ****. They "lost" the $43.02 and cut me off for non-payment in Sept 2021. All summer 2021, I called or Emailed, a different person in *************** would tell me it is resolved. They even called me back and said they took care of it. 9/28/21 I spoke to ** Manager ***** in **. She also said that she resolved it. She seemed nice. 1st they sent me a check for the over-payment. Then called to say she figured out how to transfer it account to account, don't deposit the check. Then they added the $43.02 back into the Dental bill, as a Charge, not a Credit. Though it says Transfer.Every month, I called to fix this. I just wanted to go to the Dentist! But it went on unresolved through March 2022! Now I signed up for Dental for 2023. I paid the premium in 2022 December. I still got a bill that it was unpaid. I paid again in January. In fact, there should have been a balance! They cut me off again this week Feb 2023, saying I had not paid, when in fact I paid twice for 2023, and had a balance anyway from 2021, that was never used. Their ** phone number just keeps ringing. No one picks it up. There is no address or person to send a Billing Dispute. The computers don't give the updated information to the workers on the phone. Cheating $100's of dollars out of people, who are not getting the services they paid for.