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Navigating Horizon Direct Access Plans: A Comprehensive 2026 Guide for Members and Providers
"Note: This guide focuses exclusively on the Horizon Blue Cross Blue Shield of New Jersey "Direct Access" managed care plan structure. It does not cover indemnity plans or secondary insurance products that lack the specific "Direct Access" network designation. The Horizon Direct Access program represents a foundational model within the New Jersey health insurance landscape for 2026. Designed to balance the need for specialized medical care with the flexibility of a traditional Preferred Provider Organization (PPO), this plan allows members to access a broad network of specialists without the necessity of obtaining a formal referral from a Prim..."
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