Horizon BCBSNJ Coverage Adds Peace of Mind to Summer Travel Plans
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Before your summer vacation, check to make sure you can get affordable care wherever your travels take you.
Summer is looking brighter.
With COVID-19 cases dropping and states lifting mask requirements, summer vacation planning is hitting high gear. Whether you’re looking to head down the shore or across the world, don’t let an injury or illness derail your fun by making sure you’ll have the healthcare you need.
How can Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) help members protect their health and budget during their much-deserved vacations? Start with these steps.
Check In With Us Before You Leave
Knowing what your Horizon BCBSNJ plan covers while you’re on vacation is the best way to prevent avoidable out-of-pocket costs. Before you leave, use our online chat service or call the customer service number on the back of your membership ID to make sure you understand how to get the most out of your benefits when you’re away from home.
Review Your Destination's Travel Guidelines
The ongoing COVID-19 pandemic may affect where you can go this summer and what sort of mask and testing requirements you could have once you get there. For the latest on domestic and international travel tips for fully vaccinated an unvaccinated people, check out this helpful site from the Centers for Disease Control and Prevention.
If you need a COVID-19 test while traveling domestically because you are experiencing symptoms or have been exposed to someone with COVID-19, these tests are covered nationwide with zero out-of-pocket costs.
In an Emergency
If you have an emergency while traveling, seek care as quickly as possible at the closest emergency room. Nothing is more important than your health or safety. If you are away from home, but still here in the United States, emergency care is always covered at the in-network level of benefits for every plan, no matter whether the hospital is in-network or not.
Vacationing in New Jersey
Regardless of where you are in the Garden State, Horizon BCBSNJ has you covered the same way as if you stayed at home. Use the physician finder to locate an in-network doctor, hospital or urgent care center to reduce your out of pocket costs.
Out-of-State, but Still in the U.S.
Traveling domestically but beyond New Jersey’s borders? You have a few options:
If your plan includes BlueCard® coverage, you can tap into Blue Cross Blue Shield’s national network of doctors, hospitals, and urgent care centers whenever you need care. You’ll know if you’re covered under the BlueCard program if your insurance card has a suitcase icon in the lower right corner on the front of your insurance ID card. To find doctors or facilities in the BlueCard network, visit the Blue National Doctor and Hospital Finder, or call the member services number on the back of your membership ID card or 1-888-630-BLUE.
- Out-of-network coverage
If your plan doesn’t include the BlueCard program but does include benefits for out-of-network care, you can get non-emergency care from any doctor, hospital or urgent care center and you will be covered under your out-of-network policy terms. Not all policies include out-of-network coverage benefits, so it’s best to check your policy or give us a call before you leave for your vacation.
The pandemic taught us that accessing medical care can be as safe and simple as picking up the phone or logging into your laptop. Now that the pandemic has eased, you still have telehealth tools that travel with you wherever you go.
Horizon BCBSNJ is currently waiving out-of-pocket costs for covered services provided by an in-network health care professional for telemedicine visits. Depending on your plan and where you are, you may be able to use one or more of the following options from your computer or mobile device:
- Horizon CareOnline℠ allows you to talk with a U.S. board-certified, licensed doctor via video, chat or phone, 24 hours a day, seven days a week. No appointment needed!
- Horizon BCBSNJ’s Nurse Chat provides instant access, 24/7 support to all 50 states.
- The Horizon Blue mobile app includes access to telehealth options available for your specific plan. Be sure to download the app and sign-in before you leave to have quick access to all your benefits when you’re on the go. To download the app, simply text “GetApp” to 422-272 or search for “HorizonBlue” in the Apple or Google app stores. There is no charge to download the Horizon Blue app, but rates from your wireless provider may apply.
Traveling Outside the U.S.?
Health care systems in foreign countries can be very different than what you are used to here in the U.S. Travelers facing an unexpected health emergency can face huge out-of-pocket expenses unless they plan ahead.
- Blue Cross Blue Shield Global Core
If your Horizon BCBSNJ plan includes BlueCard coverage, you automatically have Global Core®, which provides coverage for emergency and urgent care when traveling outside of the United States. Click here to learn more about Global Core coverage and to download an app that will help you find doctors, translate medical terms, file a claim and access local emergency information when you are outside the country.
Whether you have a Horizon BCBSNJ plan or not, you can purchase international medical coverage through GeoBlue®. These comprehensive, low-cost, high-quality plans are available for individuals and groups traveling abroad. GeoBlue plans protect your health by providing quick access to thousands of doctors and hospitals around the world with little or no out of pocket expenses.
GeoBlue identifies and contracts with the best doctors and hospitals in more than 190 countries. When services are rendered, GeoBlue handles direct payment to the provider; members don’t need to pay upfront or submit claim forms.
GeoBlue plans can cover you whether you’re taking a short vacation or a months-long journey abroad. They provide 24/7 phone, web, and mobile support; translation services; and coverage options that include medical transportation back to the United States.
Summer vacations may look different this year. But with some planning beforehand and Horizon BCBSNJ coverage at your side, you can put peace of mind on the itinerary.