Here are four reasons.
Our plans are more flexible and tend to be less expensive then traditional insurance plans.
We offer self-funded health and dental benefits programs. Self-funding has many benefits over traditional insurance plans. It provides greater plan flexibility, allowing employers to better meet the needs of their employees. It tends to be less expensive, and it gives you more opportunities to identify savings and fine-tune your plan.Explore Plans
We put our margins into improving our plans and services.
When claims are lower than projected, we even pay dividends.
Our partner network is Horizon Blue Cross Blue Shield.
Our members have access to one of New Jersey’s, and the nation’s, largest provider networks. Additionally, our partnerships with Delta Dental and Unicare Life and Health Insurance Company ensure that members have access to a robust portfolio of health care and life insurance options.View Partners
We provide superior, personalized service.
We help our members select the right coverage for their needs and help with any billing or claims issues.