Horizon Blue Cross Blue Shield of New JerseyReviews of horizonblue.com

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.

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.