Horizon Blue

Review by eFreeware

It carries the plan information people usually dig out of a folder or a website, and puts it on the phone instead. The app is free, and the developer's own line about it is simple: it makes access to your health plan information easier.

That framing matters, because this is not a health tracker or a symptom checker. It is a companion for an existing Horizon plan, and nearly everything it does assumes you are a member.

What makes it worth considering is the mix of things it gathers. Benefits and coverage details, a search for in-network doctors and hospitals, a running view of out-of-pocket costs and a way to submit medical claims all sit alongside the ID card. For anyone who has juggled those tasks across phone calls and paperwork, having them in one place is the appeal.

Coverage details without the paperwork

The core of the app is plan information. You can look up your benefits and see what your coverage includes, which is the sort of question that tends to arrive at inconvenient moments: a pharmacy counter, a specialist's front desk, a Saturday morning before a scheduled procedure. Having the answer on the phone rather than in a filed document is the point.

The member ID card gets similar treatment. The app lets you view it, download it and share it, so the card can be produced when a clinic or receptionist asks for it. Sharing is a small feature in the grand scheme, but it covers the common case where someone else needs the details and you do not want to hand over your unlocked phone.

Out-of-pocket costs are tracked in the same place. That is the number most people want to check before agreeing to a test or a course of treatment, and it is the sort of figure that is easy to lose track of across a plan year. The app keeps it visible rather than buried in statements.

Finding care and talking to a doctor

Two features go beyond reference material. The first is a directory search for in-network doctors, hospitals and other health care professionals, which is what you need when a referral arrives or when you move and have to rebuild your list of providers.

The second is the ability to visit with a doctor through the app.

Members can also submit medical claims from the app. Combined with the cost tracking, that turns the app into a place to handle the administrative side of care, which is often the part people put off. It is unglamorous work, and that is exactly why moving it onto the phone makes sense.

What it asks of you

The requirement is stated up front: the app is intended for Horizon members. The app concentrates on Horizon plan members, since the benefits, ID card and cost figures all belong to a Horizon plan. That is not a flaw so much as the shape of the thing.

It is also tied to New Jersey. The developer is the state's Blue Cross Blue Shield licensee, and the plan information shown will reflect that. Anyone outside that arrangement will not get useful answers from it.

The cost side is refreshingly plain. The app is free, there are no ads, and there are no in-app purchases, so there is no paywall between you and your own coverage details.

As for the numbers, the app has more than 100,000 installs and a 4.7 average from 10,488 ratings. That is a healthy figure for a plan-specific tool, and it suggests members who install it tend to keep it around.

A fit for Horizon members in New Jersey

The people who will get the most from this app are Horizon members in New Jersey who want their coverage details within reach. That includes anyone managing a ongoing condition with regular appointments, parents handling coverage for a household, and people who simply prefer to check a cost or a benefit themselves rather than call member services.

It also suits members who lose track of paperwork. The ID card alone justifies the install for many people, since it removes the risk of arriving at an appointment without it. The claim submission and cost tracking add to that for anyone who deals with medical bills regularly.

The app has been listed since September 2018, which is long enough for a plan tool to have settled into a stable routine. It was updated in late September 2026, so it is still being looked after.

If you are not on a Horizon plan, none of this applies to you, and the app will not have your information to show. Judged on its stated purpose, it is a focused tool rather than a broad one, and it does that job for a specific audience.

A practical pick for plan members

It gathers benefits, the ID card, in-network search, out-of-pocket tracking and claim submission into one free app, and it does so without ads or purchases getting in the way.

The trade-off is reach. The app is built around one plan and one state, so its usefulness depends entirely on whether you are covered by that plan. The features here apply to Horizon plan members.

If you are a Horizon member, this is an easy install. The 4.7 rating from more than 10,000 people suggests members find it worth keeping, and the combination of an ID card you can share and costs you can check without a phone call covers the everyday questions well.

What's new in version 2.13.1

Bug fixes