Your Plan Decision Guide

For Individual & Family Health Insurance Coverage

Health care reform is here. And some things are changing.

Starting in 2014, nearly everyone will be required to have health insurance coverage (or pay a tax penalty).

What does this mean for you?

NEW HEALTH INSURANCE OPTIONS

A range of plan choices grouped by metalGold, Silver and Bronzehelps you compare costs.
NEW ESSENTIAL BENEFITS

Coverage for preventive care, prescription drugs, enhanced services for kids, emergency services and more10 categories of benefits in allare included in every plan.
NEW FINANCIAL ASSISTANCE

Depending on your age, income and family size, government assistance may help you save on monthly premiums and medical services.

But you can still rely on the power of Blue.

Get the coverage you deserve from New Jerseys most trusted name in health insuranceHorizon Blue Cross Blue Shield of New Jersey. We offer: New Jerseys largest network of doctors and hospitals* Prescription drug coverage accepted at 98% of pharmacies across the state The strength and stability that comes with more than 80 years of experience and over 3.7 million members It all adds up to peace of mind.
*Applies to Advantage plans only. Advance plans use a subset of managed care network providers that includes fewer providers.

In this guide
Youll find the information you need to make smart choices about health coverage.
WHY HEALTH INSURANCE?

Find out why you should have health insurance, and see if you qualify for financial assistance to help pay for it. Page 2
COMPARE PLAN TYPES

Learn about health plan types and how they differ. Page 4
COMPARE BENEFITS

See coverage details for each of our planoptions. Page 6

LEARN ABOUT DENTAL COVERAGE & PERKS

Review dental coverage options and learn about the Blue365 discount program. Page 10
GET READY TO ENROLL

Start with our checklist to help you gather the information youll need. Then, enroll online, by phone or by filling out an enrollment form. Page 12

Why do I need health insurance?

Even if youre generally healthy, you could get sick or injured. And if you dont have health coverage, medical care can be expensive.
Thats why, starting in 2014, the Affordable Care Act says that we all need to have health insurance. You may think you dont need health insurance, but by sharing the cost of medical care across all of useven those of us who are healthy right nowhealth insurance makes care affordable when you do need it. Health insurance helps pay for doctors, medical tests, hospitalization and prescription drugs. To help you stay well, it also pays for routine preventive care. Of course, how much your coverage will pay and how much youll pay depends on the plan you choose. Read on to learn all about our individual health plans, how to compare costs and benefits, and how to pick the one thats right for you.

Am I required to buy health insurance? Yes. Starting in 2014, if you dont have health coverage, you could be subject to a penalty on your next years tax return. Wouldnt it be better to put your money toward health coverage (and possibly getting help to pay for it) rather than toward paying a penalty? To buy an individual health plan from Horizon BCBSNJ, you must: Be a New Jersey resident Not be covered under another group or employer health plan Not be eligible for Medicare* Note: If you have existing individual coverage, you will need to end that coverage when your new plan begins.
*If youre eligible for Medicare, Horizon BCBSNJ has other options for you. Visit Medicare.HorizonBlue.com or call 1-877-234-1240.

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Can I get help with paying for health insurance?

Under the Affordable Care Act, you may qualify for financial help from the government:
PREMIUM ASSISTANCE reduces your

monthly cost for coverage, which means you pay less out of pocket.

You may also qualify for: COST-SHARING SUBSIDIES, which lower the amount you have to pay in deductibles, copayments and coinsurance.

How much assistance could I get?*

That depends on your household income and the number of people in your household, along with other factors. The chart to the right will give you a good idea. For a more complete financial assistance estimate, visit HorizonBlue.com/Estimator.
Household Income
$015,850 $15,85121,400 $21,40126,950 $26,95132,500 $32,50138,050 $38,05143,600 $43,60145,700 $45,70162,050 $62,05178,100 $78,10194,200 $94,201110,300 $110,301126,350 $126,351 or more

Household Members
1 2 3 4 5 6

1 2 3

Find the number of people in your household, including yourself, at the top of the chart. Choose the dollar range on the left that comes closest to your household income. Find the spot where your Household Members column and your Household Income row meet. If you land on a colored box, you may be able to get help with paying for health insurance. Think you may qualify for help? Several factors besides household income and size can affect your eligibility. Visit HorizonBlue.com/Estimator, answer a few questions and find out just how much you could save. Write your estimated premium assistance amount (if any) from HorizonBlue.com/Estimator below.

MY ESTIMATED MONTHLY ASSISTANCE:

Eligible for financial assistance Eligible for Medicaid Not eligible for financial assistance

Whats next?
If you entered an estimated premium assistance amount above, keep it in mind as you review our plans and benefits. Whether or not you qualify for financial help, keep reading to learn about our health plans and how to choose the one thats best for you. Note: If youre eligible for Medicaid, Horizon BCBSNJ has other options for you. Please visit HorizonNJHealth.com or call 1-800-637-2997 to learn more.

*This is only an estimate. This estimate does not constitute a promise or offer of financial assistance from Horizon BCBSNJ to purchase health insurance. The actual amount you may be eligible for when you apply for an insurance policy on the health insurance marketplace may vary based upon age, household income, household size, ZIP code and effective date.

Compare Plan Types

Gold, Silver or Bronze?
Under the Affordable Care Act, individual health plans are organized by metal. The idea is to make it easy for you to compare similar plans from different insurers. Each metal Gold, Silver and Bronze corresponds to how much you pay versus how much we pay. In addition to plans at the Gold, Silver and Bronze levels, Horizon BCBSNJ offers a low-cost, high-deductible Essentials plan for individuals under age 30.
GOLD BRONZE

Higher monthly premiums 80% coverage (you pay 20%) Good choice if you expect to use a fair amount of medical services
SILVER

Low monthly premium 60% coverage (you pay 40%) Good choice if you dont expect to use a lot of medical services
ESSENTIALS

Mid-level monthly premium 70% coverage (you pay 30%) Cost-sharing subsidies may be available Good choice if you want a balance between monthly premiums and out-of-pocket expenses

Low monthly premiums Highest deductible 100% coverage after deductible Good choice if you are under age 30, healthy and dont expect to use a lot of medical services

Advance or Advantage?
For individuals and families, Horizon BCBSNJ offers two kinds of plans. Each provides medical and pharmacy benefits, including wellness and emergency care.

HORIZON ADVANCE EPO

HORIZON ADVANTAGE EPO

PCP

Each member must choose a Primary Care Physician (PCP) to coordinate care. Choosing a Primary Care Physicians is not required, but out-of-pocket costs are lower when a PCP coordinates care.

SPECIALISTS HOSPITALS

A PCP referral is needed in order to see a specialist. No referral is needed to see a specialist. Hospitals with the icon in our provider directory will cost less. Other hospitals in the Horizon Managed Care Network are available to you, but will cost more. Access to hospitals participating in the Horizon Managed Care Network.

GOLD SILVER SILVER BRONZE ESSENTIALS

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TERMS TO KNOW:
PREMIUM: What you pay each month for health insurance coverage. COPAYMENT: The amount you must pay for each medical visit to a participating doctor or other health care provider, usually at the time ofservice. COINSURANCE: The percentage of a covered charge that you are responsible for. For example, if you have 20% coinsurance, your plan pays 80% of covered charges and you pay 20%. DEDUCTIBLE: The amount of covered charges you must pay each year before benefits are paid by your plan. OUT-OF-POCKET MAXIMUM: The most you must pay for covered health care services during a plan year. Once you have reached your out-of-pocket maximum, your plan pays 100% of covered costs for the rest of the year.

NEED HELP DECIDING?

What kind of health insurance customer are you?

GOLD & SILVER

vs.

SILVER & BRONZE

How much medical care do you typically use?

A lot You see doctors often, and not only for preventive care. You may have a chronic condition and/or take maintenance medications. Consider: Gold and Silver plans with higher premiums, but lower deductibles and out-of-pocket costs. Not much You get an annual checkup and preventive care, but rarely see doctors otherwise. Consider: Silver and Bronze plans with lower premiums, but higher deductibles and out-of-pocket costs; Essentials plan (under age 30 only).

ADVANCE

vs.

ADVANTAGE

Would you pay more for greater flexibility?

WHATS AN EPO?
EPO stands for Exclusive Provider Organization. Horizon EPO plans offer affordable care when you use participating doctors, specialists and hospitals. Depending on the plan you choose, you may need to select a PCP who will coordinate your care and make referrals to specialists when needed. Except for emergency care, out-of-network care is not covered.

No You will need a PCP referral to see a specialist. icon Hospitals with the in our provider directory will cost less. Consider: Advance EPO plans. You must select a Primary Care Physician (PCP).

Yes You wont need a PCP referral to see a specialist. Consider: Advantage EPO plans. You can choose a PCP, but its not required.

GOLD, SILVER, BRONZE

vs.

ESSENTIALS

Are you under age 30 and generally healthy?

No Consider: Gold, Silver or Bronze plans. Yes Consider: Advantage EPO Essentials plan with a low premium but high deductible, and no copayment for your first three PCP visits each year.

UNDER 30 YEARS OLD? CHECK OUT THE HORIZON ESSENTIALS PLAN

A low-cost option that complements an active, healthy lifestyle.

Are you eligible for cost-sharing subsidies? You must choose a Silver plan in order to take advantage of them.

Compare Benefits
Starting in 2014, all our health insurance plans will include these 10 categories of essential health benefits:
Outpatient services, such as diagnostic tests and minor surgeries Emergency services Hospitalization Maternity and newborn care Mental health and substanceabuse-disorder services, including behavioral health treatment Prescription drugs Rehabilitative services and devices Laboratory services Preventive and wellness services and chronic disease management Pediatric services, including oral and vision care

HOW TO CHOOSE A PLAN:

1 UNFOLD THE TABLE TO THE RIGHT COMPARE BENEFITS
For each plan, you can see the annual deductible and maximum out-ofpocket expense, along with copayments and coinsurance amounts for typical services.

No matter which Horizon BCBSNJ plan you choose, youll have comprehensive health coverage you can rely on.

CHECK COSTS
What youll pay depends on several factors, including the plan you choose, whom youll be covering, where youre located and whether you qualify for assistance. Monthly premium rates for each plan appear on page 8. To find out if youre eligible for premium assistance or costsharing subsidies, please visit HorizonBlue.com/Estimator, call 1-888-425-5611 or call your broker.

CHOOSE A PLAN

Having Horizon makes me more confident.

Russ Mount Laurel, New Jersey

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Plans & Benefits

THINGS TO CONSIDER WHEN CHOOSING A PLAN
All plans will include the 10 categories of essential health benefits.
ADVANCE PLANS require a referral before you can

BENEFITS GENERAL PROVISIONS

Primary Care Physician (PCP) Required? Out-of-Network/Area Coverage? Individual Deductible Family Deductible Individual Maximum Out-of-Pocket Family Maximum Out-of-Pocket

see a specialist. Where you see two numbers for a deductible or coinsurance amount, the first applies if you get services at hospitals and the second if you use services at non- hospitals. Check the provider directory at Directory.HorizonBlue.com for details.

HEALTH CARE SERVICES

PCP Office Visits & Consultations Specialist Visits & Consultations

ADVANTAGE PLANS dont require a PCP or specialist

DIAGNOSTIC TESTS AND IMAGING

Lab/Radiology/Imaging PCP Office Lab/Radiology/Imaging Specialist Office Lab/Radiology/Imaging Outpatient

referrals.

THE ESSENTIALS PLAN is a low-cost, high-deductible

option designed for healthy individuals under age 30.

GOLD, SILVER AND BRONZE plan levels correspond to

how much you pay versus how much Horizon BCBSNJ pays when you get care.

PHARMACY SERVICES

Generic Drugs Preferred Brand Drugs

TERMS TO KNOW
PREMIUM: What you pay each month for health insurance

Non-Preferred Brand Drugs and Specialty Drugs

coverage.

COPAYMENT: The amount you must pay for each medical

OUTPATIENT SURGERY SERVICES EMERGENCY/URGENT MEDICAL SERVICES

Both Hospital & Physician/ Surgeon Fees Both Ambulatory Surgical Hospital and Physician/Surgeon Fees ER Hospital

visit to a participating doctor or other health care provider, usually at the time of service. you must pay.

COINSURANCE: The percentage of a covered charge that DEDUCTIBLE: The amount you must pay each year for

ER Professional/Medical Transportation Urgent Care Center

covered charges before benefits are paid by your plan. for covered health care services during a plan year.

OUT-OF-POCKET MAXIMUM: The most you must pay

HOSPITAL SERVICES

Hospital

What will it cost? See page 8 for monthly premiums and instructions. Questions? Visit Buy.HorizonBlue.com, call 1-888425-5611 or contact your broker. If you qualify for premium assistance, you can apply it to any Gold, Silver or Bronze plan. But if you also qualify for cost-sharing subsidies, you must select a Silver plan to take advantage of them.

Physician/Surgeon

BEHAVIORAL HEALTH/ SUBSTANCE ABUSE

PCP Specialist Office Visit Outpatient/Inpatient

MATERNITY SERVICES OTHER SERVICES

Delivery and All Inpatient Services In-home Health Care Rehabilitation, Hospice & Skilled Nursing CareInpatient Durable Medical Equipment Chiropractic Care 30 visits per year maximum

QUESTIONS? | 1-888-425-5611 or contact your broker

HORIZON ADVANCE EPO GOLD

Yes No $1,000 / non$2,000/ non$2,500/ non$5,000/ non$15 copayment $30 copayment $15 copayment $2,000 $4,000 $4,000 $8,000 Yes No

HORIZON ADVANCE EPO SILVER

HORIZON ADVANTAGE EPO SILVER

No; higher copayment No

HORIZON ADVANTAGE EPO BRONZE

No; higher copayment No $2,500 $5,000 $6,350 $12,700 Deductible then $30 copayment Deductible then 50% coinsurance $30 copayment Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance $100 copayment & deductible, then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then $30 copayment Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then $30 copayment Deductible then 50% coinsurance Deductible then 50% coinsurance Deductible then $30 copayment

HORIZON ADVANTAGE EPO ESSENTIALS

No; higher copayment No $6,350 $12,700 $6,350 $12,700 $0 copayment for three visits then Deductible Deductible then 0% coinsurance Deductible then 0% coinsurance

$1,500/ non$3,000/ non$5,000/ non$10,000/ non$30 copayment Deductible then 30% coinsurance $30 copayment Deductible then 30% coinsurance

$2,500 $5,000 $6,350 $12,700

$2,000 $4,000 $6,350 $12,700 $25 copayment $50 copayment $25 copayment

$30 copayment Deductible then 20% or non- 40% coinsurance $10 copayment (retail) $20 copayment (mail order) 40% coinsurance 50% coinsurance Deductible then 20% or non- 40% coinsurance Deductible then 20% coinsurance $100 copayment & deductible, then 20% or non- 40% coinsurance Deductible then 20% or non- 40% coinsurance $30 copayment Deductible then 20% or non- 40% coinsurance Deductible then 20% or non- 40% coinsurance $15 copayment $30 copayment Deductible then 20% or non- 40% coinsurance Deductible then 20% or non- 40% coinsurance $15 copayment Deductible then 20% or non- 40% coinsurance Deductible then 20% coinsurance $15 copayment

$50 copayment Deductible then 40% coinsurance $15 copayment (retail) $30 copayment (mail order) 40% coinsurance 50% coinsurance Deductible then 40% coinsurance Deductible then 40% coinsurance $100 copayment & deductible, then 40% coinsurance Deductible then 40% coinsurance $50 copayment Deductible then 40% coinsurance Deductible then 40% coinsurance $25 copayment $50 copayment Deductible then 40% coinsurance Deductible then 40% coinsurance $25 copayment Deductible then 40% coinsurance Deductible then 40% coinsurance $25 copayment

Deductible then 0% coinsurance

Deductible then 30% or non- 50% coinsurance Deductible then 30% coinsurance Deductible then 30% coinsurance Deductible then 30% coinsurance Deductible then 30% or non- 50% coinsurance Deductible then 30% coinsurance $100 copayment & deductible, then 30% or non- 50% coinsurance Deductible then 30% or non- 50% coinsurance Deductible then 30% coinsurance Deductible then 30% or non- 50% coinsurance Deductible then 30% or non- 50% coinsurance $30 copayment Deductible then 30% coinsurance Deductible then 30% or non- 50% coinsurance Deductible then 30% or non- 50% coinsurance $30 copayment Deductible then 30% or non- 50% coinsurance Deductible then 30% coinsurance $30 copayment

Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance $100 copayment & deductible, then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance

Deductible then 0% coinsurance Deductible then 0% coinsurance Deductible then 0% coinsurance

Deductible then 0% coinsurance Deductible then 0% coinsurance

Its peace of mind knowing that my daughter has Horizon.

Nadine Elmwood Park, New Jersey

Want to know if your doctor or hospital is in our network?

1 GO TO DIRECTORY.HORIZONBLUE.COM AND SEARCH BY YOUR DOCTORS NAME, LOCATION OR SPECIALTY 2 SEE WHICH NETWORKS YOUR DOCTOR PARTICIPATES IN
For Horizon Advance EPO plans, look for: Horizon Advance EPO For Horizon Advantage EPO plans, look for: Horizon Advantage EPO You can look up specialists in the same way

3 SEE IF A HOSPITAL IS IN NETWORK

For Horizon Advance EPO plans, look for: Horizon Advance EPO. When you select a participating hospital identified with the icon, your outof-pocket costs will be lower. For Horizon Advantage EPO plans, look for: Horizon Advantage EPO

Any doctor or other health care provider you choose must participate in your Horizon BCBSNJ EPO health plan. Except for an emergency, any care you get from a provider who doesnt participate in your plans network will not be covered, and you will be responsible for the total cost.

Monthly Premiums
Here are the monthly premium rates for our Horizon BCBSNJ plans. Your premium may be less if you qualify for financial assistance from the government. To see if you qualify, use our online estimator at HorizonBlue.com/Estimator.
Age
020 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64+

Advance EPO Gold

$
220.14 346.68 346.68 346.68 346.68 348.07 355.00 363.32 376.84 387.94 393.48 401.80 410.12 415.32 420.87 423.64 426.42 429.19 431.97 437.51 443.06 451.38 459.35 470.45 484.31 500.61 520.02 541.86 566.82 591.44 619.17 646.56 676.72 707.23 740.17 773.10 808.81 844.86 883.34 902.41 940.89 974.18 996.02 1,023.40 1,040.04

Advance EPO Silver

$
176.93 278.62 278.62 278.62 278.62 279.74 285.31 292.00 302.86 311.78 316.24 322.93 329.61 333.79 338.25 340.48 342.71 344.94 347.17 351.62 356.08 362.77 369.18 378.09 389.24 402.33 417.94 435.49 455.55 475.33 497.62 519.63 543.87 568.39 594.86 621.33 650.03 679.01 709.93 725.26 756.19 782.93 800.49 822.50 835.86

Advantage EPO Silver

$
195.53 307.91 307.91 307.91 307.91 309.15 315.30 322.69 334.70 344.56 349.48 356.87 364.26 368.88 373.81 376.27 378.73 381.20 383.66 388.59 393.51 400.90 407.99 417.84 430.16 444.63 461.87 481.27 503.44 525.30 549.93 574.26 601.05 628.14 657.40 686.65 718.36 750.39 784.56 801.50 835.68 865.24 884.64 908.96 923.73

Advantage EPO Bronze

$
173.21 272.77 272.77 272.77 272.77 273.86 279.32 285.87 296.50 305.23 309.60 316.14 322.69 326.78 331.15 333.33 335.51 337.69 339.87 344.24 348.60 355.15 361.42 370.15 381.06 393.88 409.16 426.34 445.98 465.35 487.17 508.72 532.45 556.45 582.37 608.28 636.38 664.75 695.02 710.03 740.30 766.49 783.67 805.22 818.31

Advantage EPO Essentials

$
112.65 177.40 177.40 177.40 177.40 178.11 181.66 185.92 192.84 198.51

TO CALCULATE YOUR MONTHLY PREMIUM:

1

Choose a plan and write its name on your worksheet to the right. In the column under that plan name, find the row for your age to see your monthly premium. Enter your age and the premium in the worksheet. Do the same for each adult and child under age 21 in your family. All your entries must be for the same plan in the same column. our estimated monthly premium Y will be the total of the rates for each person on the plan, based on their ages, after subtracting any estimated assistance. eed to cover more than three N children under age 21? You pay only for the first three. Note: If you qualify for premium assistance, you can apply it to any Gold, Silver or Bronze plan. But you must select a Silver plan to take advantage of cost-sharing subsidies.

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Plan Choice: Age Yourself: + Spouse/Civil Union/ Domestic Partner: + Other Adult Dependent: + Other Adult Dependent: + Child 1: + Child 2: + Child 3: + Child 4 or more: Subtotal:
Estimated Assistance: from page 3

Amount

Meet some typical New Jersey residents

Theyre shopping for health insurance, too.
Young adult, age 31 Annual household income: $55,000

Charlie
Recommended Plan: Horizon Advantage EPO Bronze Eligible for Assistance? No
Free! Charlie Subtotal:
Estimated Assistance:

Age 31

Amount

$316.14 $316.14 $0 $316.14

Your Estimated Monthly Cost:

Estimated Monthly Cost:

Plan Choice: Age Yourself: + Spouse/Civil Union/ Domestic Partner: + Other Adult Dependent: + Other Adult Dependent: + Child 1: + Child 2: + Child 3: + Child 4 or more: Subtotal:
Estimated Assistance: from page 3

Mary, age 39 Jorge, age 40 Sofia, age 8 David, age 6

Amount

Mary & Jorge

Annual household income: $70,000

Recommended Plan: Horizon Advance EPO Silver Eligible for Assistance? Yes
Age Mary + Jorge + Sofia + David Subtotal: Free!
Estimated Assistance:

Amount

39 40 8 6

$351.62 $356.08 $176.93 $176.93 $1,061.56 $409.00 $652.56

Estimated Monthly Cost:

Your Estimated Monthly Cost:

These estimates do not constitute a promise or offer of financial assistance from Horizon BCBSNJ to purchase health insurance. The actual amount you may be eligible for when you apply for an insurance policy on the health insurance marketplace may vary based upon age, household income, household size, ZIP code and effective date.

Learn about Dental Coverage

Covering a child under age 19?
Under the Affordable Care Act, you may be required to purchase comprehensive pediatric dental coverage for children covered under your family plan. To help you meet this requirement, we offer Horizon Young Grins dental coverage.
HORIZON YOUNG GRINS DENTAL PLAN

The Horizon Young Grins dental plan emphasizes prevention and early intervention through routine oral screenings and evaluations, all to help keep those young grins healthy and looking their best. Note: Do you have comprehensive pediatric dental coverage from another insurer? Just let us know, and well waive the Horizon Young Grins coverage requirement for your children. The additional monthly premium for Horizon Young Grins coverage is $24.97 per child under age 19. For three or more children under age 19, youll pay a maximum of $74.91 monthly.

Want dental coverage for yourself and your adult dependents?

Horizon BCBSNJ offers two options:
HORIZON INDIVIDUAL DENTAL

Provides 100% coverage for preventive, diagnostic and most basic services with no deductible, copayments or maximums. Major services are available at a discounted rate. Note: You must use dentists who participate in the Horizon Dental Choice network.
HORIZON CENTURION DENTAL

Provides up to a 30% discount on all services with no deductible or maximums, no referrals or claim forms, no exclusions and no waiting. Note: You must use dentists who participate in the Horizon Dental PPO network. To learn more about these adult dental options, call 1-800-4DENTAL (433-6825).

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Blue365
Perks: Blue 365 Discounts & Savings
As a Horizon BCBSNJ member, youll have access to exclusive savings on hearing and vision care, fitness, weight control, alternative therapies, and food and nutrition through the Blue365 program. Blue365 also offers wellness support, travel and recreation discounts, and much more.
Once you enroll, you can sample Blue365s ongoing member deals. You can also be notified about special limited-time deals by signing up for weekly e-mail alerts.

To learn more about Blue365 and the many healthy discounts you could enjoy, visit Blue365Deals.com.

Blue365 offers access to savings on items and services that members may purchase directly from independent vendors. Please note that the Blue Cross & Blue Shield Association (the BCBSA) may receive payments from Blue365 vendors. Also, neither Horizon BCBSNJ nor the BCBSA recommend, warrant or guarantee any specific Blue365 vendor or discounted item or service.

11

Get Ready to Enroll

Gather this information:
Your individual or household income (based on pay stubs, last years tax return, etc.) Whether health coverage is available from any household members employer (if any household members employer offers health coverage, or will be offering coverage starting in 2014) Personal information for each household member to be covered: Full Legal Name Birth Date Social Security Number

Choose the enrollment method you prefer:

Think you may qualify for financial assistance from the government? You must choose one of these methods.
Online at Buy.HorizonBlue.com
Your fastest, most convenient option, available 24 hours a day.

Need a different language? Spanish (Espaol): Para obtener asistencia en Espaol, llame al 1-888-425-5611. Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-888-425-5611. Chinese (): 1-888-425-5611. Navajo (Dine): Dinekehgo shika atohwol ninisingo, kwiijigo holne 1-888-425-5611. Additional language translation services and Text Telephone (TTY) service for the hearing-impaired are available at no additional cost.

By phone at 1-888-425-5611

Our enrollment specialists can answer your questions and walk you through the process.

By contacting your broker

You will not be eligible for financial assistance from the government if you choose this method to enroll.
By downloading and filling out an enrollment form
Visit HorizonBlue.com/form-individual-enrollment to download a form and instructions.

Horizon Blue Cross Blue Shield of New Jersey is a Qualified Health Plan issuer in the Health Insurance Marketplace. Horizon Blue Cross Blue Shield of New Jersey is an independent licensee of the Blue Cross and Blue Shield Association. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. The Horizon name and symbols are registered marks of Horizon Blue Cross Blue Shield of New Jersey. 2013 Horizon Blue Cross Blue Shield of New Jersey, Three Penn Plaza East, Newark, New Jersey 07105.

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Put the power of Blue to work for you. Enroll with confidence today!
Were New Jerseys most trusted name in health insurance. For more than 80 years, weve been serving people like you, helping with medical care when you need it and offering programs that can help you live a healthier life.

Today, over 3.7 million members your family, neighbors and friends rely on Horizon BCBSNJ for health, prescription and dental coverage.

ET K C O O P FP IS

31250 (0913)