Does Horizon Silver Cover Auto Accident Insurance?

If you're involved in a car accident and are injured, you may be wondering if your health insurance will cover your medical expenses. The answer is yes, but there are some important details to consider. Firstly, check your plan details as your health insurance may state that it is secondary in such cases, where another insurance is deemed primary. In this case, you would turn to your car insurance coverage or the other driver's liability insurance first. If the cost of treating your injuries exceeds the amount covered by these insurance policies, then your health insurance would cover the remainder. It's also important to note that certain types of treatment may not be covered by your health insurance, and you may need to pay deductibles or copays. Understanding your coverage and knowing which insurance to prioritise can be tricky, so it's always a good idea to consult with a professional to ensure you're getting the most out of your insurance policies.

Horizon Blue Cross Blue Shield of New Jersey offers accident insurance through LifeSecure

Accidents can happen, and when they do, you may be faced with unexpected costs. This is where Horizon Blue Cross Blue Shield of New Jersey comes in. The company offers accident insurance through LifeSecure, which provides cash benefits to help with any services and resources you may need during your recovery. This includes:

• Medical deductibles, copays or coinsurance
• Physical therapy/rehabilitation services
• Transportation to/from appointments
• Anything else – you decide how to use your benefits

For less than $25 a month, you can extend your protection to help with unexpected costs. LifeSecure's Accident Insurance is offered in cooperation with Horizon Blue Cross Blue Shield of New Jersey. It is important to note that LifeSecure Insurance Company underwrites and has sole financial responsibility for the Personal Accident Insurance product. LifeSecure is an independent company that does not provide Blue Cross Blue Shield products or services.

Horizon Blue Cross Blue Shield of New Jersey offers a range of coverage levels, including Bronze, Silver, and Gold. You can explore their plans and compare your options to find the best one for you.

Horizon Casualty Services provides results-based services for automobile insurers

Horizon Casualty Services, Inc. (HCS) is an approved New Jersey Workers' Compensation Managed Care Organization (MCO) that provides workers' compensation and personal injury protection (PIP) services to insurance companies. HCS is a subsidiary of Horizon Blue Cross Blue Shield of New Jersey, the state's largest and most experienced health insurer.

HCS has substantial experience in providing a full range of results-based services to automobile insurers. The company offers unique healthcare value programs, enabling referrals to best-in-class orthopedic specialists. These specialists focus on achieving optimal medical and return-to-work outcomes at the right cost. This empowers people to return to work, continue providing for their families, and lead fulfilling and productive lives.

HCS's medical network of doctors and other healthcare professionals is focused on musculoskeletal injuries. They contract with doctors and healthcare professionals because of their expertise and focus on the appropriate utilization of healthcare services. More than 99% of all New Jersey acute care hospitals participate with HCS, along with their ancillary businesses. Their network also includes a wide array of rehabilitation hospitals and related facilities.

HCS works closely with its parent company to leverage provider relationships and achieve optimal agreements and contracted rates. Their network participants have a collaborative relationship with the company, working together to respond to inquiries and resolve issues. HCS's discounts are the best of any PIP vendor in New Jersey, slowing the pace at which personal injury protection claimants hit their coverage ceiling. This allows claimants to optimize the health benefits received under their policy.

Horizon Blue Cross Blue Shield of New Jersey is the state's largest and most experienced health insurer

The company is committed to transforming healthcare in New Jersey and has introduced various initiatives to improve the health of its citizens. For example, they offer a Horizon NJ Health App, which connects members to care and support wherever they are. They also provide a Medicaid-managed care plan, Horizon NJ Health, which caters to individuals with Medicaid/NJ FamilyCare. This plan ensures access to essential services such as doctor visits, dental care, prescription drugs, hospital services, and more, with no or low copays.

Horizon Blue Cross Blue Shield understands the importance of preventive care and offers resources to help members stay healthy. They provide valuable health information, such as debunking common winter health myths and educating about the different symptoms of heart attacks in women. Additionally, they offer tools and services like the Horizon CareOnline platform and the Horizon Blue App to empower members to take control of their health and well-being.

The insurer also recognises the impact of stress on mental health and overall wellness. During the holiday season, they offered practical tips to improve mental health and find joy. Furthermore, Horizon Blue Cross Blue Shield prioritises affordability and transparency in healthcare costs. They provide resources to help members lower prescription drug costs and make informed choices when selecting a health plan that fits their budget and healthcare needs.

Overall, Horizon Blue Cross Blue Shield of New Jersey's size and experience in the state make it a trusted and reliable choice for health insurance. Their commitment to innovation, accessibility, and member support ensures that they continue to provide quality healthcare solutions for New Jersey residents.

Horizon Blue Cross Blue Shield of New Jersey offers Personal Injury Protection (PIP) as secondary insurance

The Automobile Insurance Cost Reduction Act of 1998 (AICRA) allows automobile owners in New Jersey to choose whether their health insurance or their PIP coverage is their primary coverage for injuries sustained in automobile accidents. If you choose to make your health insurance your primary coverage, your PIP coverage will become secondary insurance. In this case, your PIP insurer will coordinate benefits with your health insurer, paying for reasonable medical expenses not covered by your health insurance up to the limit of your medical expense benefits coverage.

Horizon Blue Cross Blue Shield of New Jersey is the state's largest and most experienced health insurer. They offer accident insurance through LifeSecure, which provides cash benefits to help with unexpected costs during recovery. This coverage is available for less than $25 a month and can be added to your existing Horizon Blue Cross Blue Shield plan.

Horizon Blue Cross Blue Shield of New Jersey covers medical treatment for almost any kind of injury

Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) offers a range of health insurance plans to meet the needs of its members. While it is not clear whether Horizon Silver is included in these plans, Horizon BCBSNJ does cover medical treatment for injuries sustained in various types of accidents, including auto accidents.

Accident Insurance through Horizon BCBSNJ provides financial protection in the event of an unexpected injury. This coverage includes medical deductibles, copays, and coinsurance, as well as physical therapy and rehabilitation services. Transportation to and from medical appointments is also covered, ensuring that members can access the care they need during their recovery.

In addition to accident insurance, Horizon BCBSNJ offers a comprehensive range of health care services. Their medical network includes doctors and healthcare professionals specializing in musculoskeletal injuries, ensuring that members have access to expert care for injury-related issues. This network also extends to acute care hospitals and rehabilitation facilities, providing comprehensive support throughout the recovery process.

Furthermore, Horizon BCBSNJ prioritizes member convenience and satisfaction. They offer a 24/7 nurse line, digital tools such as the Horizon Blue app, and resources like the Treatment Cost Estimator to help members make informed decisions about their healthcare. The company also provides international travel coverage and prescription drug coverage, demonstrating their commitment to meeting a wide range of healthcare needs.

Overall, Horizon Blue Cross Blue Shield of New Jersey covers medical treatment for almost any kind of injury, including those sustained in auto accidents. Their accident insurance and extensive healthcare network ensure that members have the support and resources they need during their recovery.

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