Horizon Welcomes More than 40K Previously Uninsured To OMNIA

From Horizon Blue Cross Blue Shield of New Jersey:

Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) announced Thursday, March 10 that an estimated 41,258 of those recently enrolled in the individual market were previously uninsured and chose OMNIA for their health insurance coverage. A total of 188,995 individuals, including 95,948 new Horizon members, selected during the 2016 open enrollment period one of the five new OMNIA health plans that offer significantly lower premiums, access to the largest network in New Jersey and the option to save more money on out-of-pocket costs when seeking care at certain doctors and hospitals.

“Helping people move from the uninsured rolls and connecting them to affordable high quality health coverage that makes wellness a priority is the first step toward a healthier life and a healthier New Jersey,” said Robert A. Marino, chairman and chief executive officer of Horizon BCBSNJ. “Affordability has been a barrier for some uninsured individuals and too often lower-priced policies required consumers to trade cost for quality. OMNIA premiums, on average, cost 15 percent less than our non-tiered plans and, unlike high-deductible policies, don’t require members to incur large out-of-pocket expenses before the insurer pays claims. OMNIA is focused on keeping people healthy, not just treating them when they become sick.”

Hispanics represent 15 percent of the previously uninsured New Jersey residents now covered by OMNIA, with African-Americans representing 13 percent and Asians representing an additional 13 percent. The Kaiser Family Foundation reported in 2014 that 25 percent of New Jersey’s Hispanic residents were uninsured and that Horizon has made it a priority to enroll Hispanic New Jersey residents. Efforts included partnerships with Hola Doctor Insurance Services in Jersey City, the Hispanic Statewide Chamber of Commerce and Save Latin America. Horizon also created the “Brunches with Benefits” program to present health insurance information in an informal setting to Hispanic communities in Hudson County and throughout the state.

More than three-quarters of the individuals choosing OMNIA selected a silver or higher metallic level plan. Those plans, along with being lower in price, feature no deductible, no coinsurance and co-pays of $50 or less when seeking care from a Tier 1 provider. More than 60 percent of physicians in Horizon’s network are in Tier 1 while 34 of 61 in-network hospitals are Tier 1. The average distance for a member to a primary care physician in New Jersey is 1.2 miles. The average distance to a Tier 1 hospital is fewer than seven miles.

OMNIA has become the choice of 45,240 members enrolled through a group plan including 28,798 in the small group of 50 employers or fewer as well as midsize groups of 51-499 employees. Taft-Hartley Funds and school boards and local municipalities are also enrolling. New Jersey employers continue to identify the high cost of medical care for employees as a major problem, and the small and midsize employers have routinely faced double-digit increases in the costs of providing healthcare coverage throughout the past decade.