Horizon Blue Cross Blue Shield offers several types of insurance plans, each with different levels of flexibility, coverage, and requirements. Understanding the specifics of your plan is essential when determining how your Horizon rehab coverage can be used for addiction treatment in New Jersey. At Woodmont Treatment Center, we work with a wide range of Horizon plans and can help guide you through the insurance process.

PPO (Preferred Provider Organization) plans from Horizon provide the most flexibility, allowing members to seek care from both in-network and out-of-network providers. You don’t need a referral to see specialists, and you’ll receive partial coverage even if you go out-of-network. However, using an in-network provider—like Woodmont Treatment Center—significantly reduces your out-of-pocket costs while still giving you access to comprehensive treatment services.

HMO (Health Maintenance Organization) plans are typically more cost-effective but come with added restrictions. These plans require you to use in-network providers and often mandate referrals from your primary care physician before you can access specialty care. While more structured, HMO plans still provide excellent coverage when you stay within the network, making them a solid option for those looking to manage treatment costs efficiently.

EPO (Exclusive Provider Organization) plans strike a balance between PPO and HMO models. They usually don’t cover out-of-network care (except in emergencies), but they offer more flexibility than HMOs by eliminating the referral requirement for specialist services. No matter which Horizon plan you have, our admissions team at Woodmont Treatment Center will walk you through your benefits, verify your coverage, and help you take full advantage of the rehab services available to you.