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NJ DIRECT plans give you access to care in network or out of network in New Jersey, nationwide and abroad, with a variety of copayments, depending on the plan.

Members have lower out-of-pocket costs when using in-network doctors and facilities in the BlueCard® PPO network nationwide.

Other features include:

  • 100% coverage for preventive services (physical exams, well-child care, immunizations) in network.
  • No need to select a Primary Care Physician (PCP).
  • No referrals necessary to see a specialist.
  • Certain services require prior authorization.
  • No claims to file when accessing care in network
  • BlueCard®, giving you access to more than 1.3 million doctors, hospitals, facilities and other health care professionals in the U.S.
  • Blue Cross Blue Shield Global Core covers you and your covered dependents for eligible services when abroad.
  • Dedicated nurses for additional support in managing a condition or an episode of care.
  • Precious Additions®, a prenatal education and information program.
  • Horizon Blue app connecting you to care and support 24/7
  • Online Services to manage your personal benefit and claim information.
  • My Health Manager, powered by WebMD®, for a range of health and wellness tools and resources online.

2020 Plan Guides
State and State College/University Employee Plans
SHBP State and State College/University Employees Plans for CWA Members
SHBP Local Government Employee Plans
SEHBP Local Education Employee Plans

2019 Plan Guides
SHBP Health Plan Guide
2019 State Health Benefits Program (SHBP) Plans for State Employee CWA Members
2019 SEHBP Health Plan Guide

Application to change health benefits plan

NJ DIRECT Member Guidebook

For benefit information, visit the New Jersey Division of Pensions and Benefits website.