Is Navi really free?
Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Navi Practices answers
How do I find a therapist who takes Horizon Blue Cross Blue Shield?
Call Navi at 888-505-NAVI (6284). Tell the navigator you have Horizon Blue Cross Blue Shield. They review that commercial plan and look for therapists who accept it. Navigation is free. They verify coverage rather than assuming every Horizon product is accepted.
Horizon BCBS, Blue Cross Blue Shield, and New Jersey
Horizon Blue Cross Blue Shield of New Jersey is part of the national Blue Cross Blue Shield Association and is most common in New Jersey. Behavioral health has historically been administered as Horizon Behavioral Health. Medicaid members may have Horizon NJ Health, and some Medicare members have Braven Health.
Navi still works nationwide: for virtual care, or if you have a related Blue plan in another state, say so on the call.
A navigator verifies your specific plan and whether a provider is accepting that coverage. Navi does not guarantee that every product from a named insurer, or every clinic, is in-network.
Horizon plan types and what they mean for therapy
Horizon offers PPO plans (any licensed therapist, some out-of-network benefit, no referral), OMNIA and other tiered plans that pay more for certain providers, EPO plans such as Horizon Advantage EPO (in-network only), and HMO plans that may expect a referral.
Tell the navigator your exact Horizon plan — networks and tiers vary a lot — and they verify before matching.
Frequently asked questions
- Is Horizon BCBS the same as Blue Cross Blue Shield?
- Horizon Blue Cross Blue Shield of New Jersey is New Jersey's member of the national Blue Cross Blue Shield Association. Related plans include Horizon NJ Health (Medicaid) and Braven Health (Medicare). Navi verifies which Horizon plan you have before matching.
- What insurances do you accept?
- We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
- Is Navi really free?
- Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Ready to get matched?
Call 888-505-NAVI (6284). Navigation is free for callers. Partner practices receive matched patients. For emergencies call 911; for a crisis call or text 988.
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.