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Early detection:A key weapon in the battle against breast cancer

Horizon BCBSNJ helps get NJ WELL

Take care of yourself todayfor a healthier tomorrow

NJ DIRECT Horizon HMO

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FALL 2013 Horizon Healthy Woman1

Want help managing your health? Try our online Health Assessment Tool.To help you get and stay healthy, Horizon Blue Cross Blue Shield of New Jersey offers a unique HealthAssessment Tool (HAT), powered by WebMD.® The HAT is designed to give you a picture of your current healthstatus and to help guide you towards improving your well-being. Using the HAT is easy. Just input somenumbers and answer a few questions. Based on yourresponses, you’ll be given an assessment of your currentstate of wellness, as well as tips to improve your health.

Here are the steps for using this health tool:1. On shbp.horizonblue.com/health-wellness/manage-your-health, go to Secure Sign In and clickSign In. Enter your Member Online Services user IDand password. If you do not have a user ID andpassword, select Register Today and follow the on-screen prompts.

2. Click the Tools and Resources tab. In the right-sidetoolbar, select Health Manager.

3. In the Healthy Living Tab, find the Health AssessmentTool (HAT) to begin or update your HAT.

Keep the following tips in mind:• You must have a valid email address to register for Member Online Services.

• The following browsers are supported: Internet Explorer 6 or higher, Firefox 3 or higher,Chrome and Safari.

• You will need Adobe Acrobat Reader 6 or higher toview select content.

If you have any problems accessing Horizon BCBSNJ’sMember Online Services, emailMember_Portal@HorizonBlue.com. Representatives areavailable Monday through Friday, 7 a.m. through 6 p.m., Eastern Time. You will need to give your first and lastname, description or screenshot of the error message and steps taken before encountering the issue.

Healthier Members ... Healthier Communities

Complete the HAT and get 150points toward NJWell reward

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Horizon BCBSNJ helps get NJ WELL

The State Health Benefits Program (SHBP) and SchoolEmployees’ Health Benefits Program (SEHBP) isintroducing NJWELL, a program designed to help activelyemployed members and their eligible spouses/partners live a healthy lifestyle.

NJWELL is designed to create a culture of health andwellness for SHBP/SEHBP active employees and theircovered spouses/partners. By encouraging members totake ownership of their health, the SHBP/SEHBP hopes toincrease overall wellness and reward eligible employeesand their covered spouses/partners for completingactivities geared toward health and wellness.

NJWELL will begin on January 1, 2014. During the firstyear of the program, members and their coveredspouses/partners have an opportunity to earn a $100 gift card by completing the following activities:

• Health Assessment – SHBP/SEHBP members andtheir covered spouses/partners can each earn creditstoward a gift card by completing an online HealthAssessment. Horizon BCBSNJ members will use ourHealth Assessment Tool (HAT), powered by WebMD®

and available on the secure member portal,shbp.horizonblue.com/health-wellness/manage-your-health.

• Biometric Screening – Eligible SHBP/SEHBPmembers and their covered spouses/partners willhave several opportunities to earn credits toward a gift card by having their doctor complete a form with the required information between January1, 2014 and October 31, 2014 or by having a healthscreening at a regional event. The event schedulewill be available to SHBP/SEHBP members in early2014.

A special “preview” screening event for eligibleSEHBP members and covered spouses/partners willtake place at the New Jersey Education Association(NJEA) Convention in Atlantic City on November 7 and8, 2013. This screening date will be the only activity in2013 that will be credited toward NJWELL reward forSEHBP members and their covered spouses/partners.Information will be available to participants prior tothe NJEA Convention.

Horizon BCBSNJ is proud to be working with the NewJersey Division of Pensions and Benefits to help NewJerseyans stay well. More information about NJWELL willbe available soon on HorizonBlue.com/shbp.

Healthier Members ... Healthier Communities

FALL 2013 Horizon Healthy Woman3

The information included in this document may be subject to change at any time as laws and regulations and related guidance are issuedby state and federal agencies.

Using preventive care services for a healthier lifeHorizon Blue Cross Blue Shield of New Jersey is dedicatedto helping you on your journey to get and stay healthy.That’s why we encourage you to use preventive careservices to help you avoid illness and improve your health.

Under the Affordable Care Act (ACA), beginning January 1,2014, you and your dependents may be eligible for somepreventive care services at no added cost to you when you use in-network doctors.

These preventive care services include:• Blood pressure, diabetes and cholesterol screenings.• Cancer screenings, including mammograms andcolonoscopies.

• Counseling on health issues such as quitting smoking,losing weight, eating healthy, treating depression andreducing alcohol use.

• Counseling and screenings to ensure healthypregnancies.

• Routine well-baby and well-child visits from birth toage 21.

• Routine vaccinations against diseases such asmeasles, polio and meningitis and flu shots.

Four things to know about preventive care services:

1. Availability: These benefits may not be available toall plans until the ACA goes into effect. You shouldcheck with the person in charge of benefits at your company.

2. Network doctors, hospitals and other health careprofessionals: You can get preventive and wellnessservices from an in-network doctor and other in-network health care professionals for no additional out-of-pocket costs.

3. Office visit costs: Your plan may require you to paysome costs for office visits. This can happen if thepreventive services are not the primary reason foryour visit, or if your doctor bills for the preventiveservices separately from the office visit.

4. What’s right for you: Talk to your doctor to knowwhich covered preventive and wellness services are right for you based on your age, gender andhealth status.

If you have any questions about your benefits, call theMember Services number on the back of your ID card. For a full list of covered preventive care services under the ACA, visit healthcare.gov/prevention.

Access to Safe and Effective Care

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Taking the right preventive care measures is one of the best ways to find health issues at their earliest and most treatablestages. Screenings may help find diseases or conditions early, when they can be easier to treat.

The following are recommended screenings or other tests for women from the Centers for Disease Control andPrevention (CDC), the U.S. Preventive Services Task Force and the American Cancer Society.

Take care of yourself today for a healthier tomorrow

Healthier Members ... Healthier Communities

Tests/Screenings Reasons for screening When, how often

Blood glucose (blood sugar)

To help prevent the onset of type 2 diabetes,which can lead to serious conditions if nottreated.

Before age 45, you may need to have your blood glucose levelstested if you have symptoms of diabetes or have risk factors fordiabetes, including a family history of diabetes, being veryoverweight and being inactive. Every three years starting at age 45, test for diabetes or pre-diabetes.

Blood pressure High blood pressure usually does not have anysymptoms, but can cause serious complicationsincluding heart attacks, heart failure, kidneyproblems and stroke.

Starting at age 18, every woman should have her blood pressurechecked at least every two years if blood pressure is normal (lowerthan 120/80). You should have it checked once a year if you haveblood pressure between 120/80 and 139/89. Discuss treatmentwith your doctor if your blood pressure is 140/90 or higher.

Body mass index (BMI) Knowing your BMI is important because it helps give you a total picture of your health.

A full yearly physical exam includes measuring your height andweight to determine your BMI.

Bone density screening This screening can help show if you haveosteoporosis or the beginning of osteoporosis,which is a disease that causes your bones to thinand weaken and be more likely to break. Thedisease shows no symptoms in its early stages,so prevention and early detection are important.

It is advised that women should get a bone density test at age 65,and earlier at age 50, if they have risk factors and have had abroken bone.

Cervical and pelvic exam/Pap test

A regular Pap test is the single most vital tool tofind and treat cervical cell changes before theyprogress to cervical cancer.

Beginning at age 21, or earlier if a woman is sexually active.Women ages 21 to 30 years old should have a pelvic exam andPap test every two years. Women ages 30 and older only need aPap test every three years if they have had three normal tests in a row.

Cholesterol Too much cholesterol can cause plaque, a stickysubstance, to build up in blood vessels. Thisplaque can block blood vessels and cause heartattacks and strokes.

Women should have their cholesterol checked at least every fiveyears, starting at about age 20. Get cholesterol tested regularly(once a year) if you are at increased risk for heart disease.

Clinical breast exam This test can help find abnormalities in the breastand signs of breast cancer early.

Starting at age 20, women should have a clinical breast exam atleast every three years until age 40, when this should be done each year.

Colorectal exam/coloncancer screening

This screening can find colorectal cancer early, inits most treatable stage. Colorectal (or colon)cancer is one of the most preventable cancersbecause it usually begins as small polyps thatcan be detected and removed before theybecome cancerous.

Colon cancer screenings for women are generally recommended tostart at age 50 and then should continue at least every 10 years.However, women may need to be tested earlier than age 50 andmore frequently after age 50 if they have certain risk factors,which include family history of colorectal cancer, being obese andsmoking. Discuss the intervals appropriate for you with yourdoctor.

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Tests/Screenings Reasons for screening When, how often

Dental health screening Regular checkups can detect problems with yourteeth, as well as oral cancers.

This is important from the moment your first baby tooth erupts.Adult women need two dental checkups and cleanings each year.

Mammogram A mammogram, also known as mammography, is an X-ray of the breasts to check for lumps, pre-cancerous tumors and cancer.

The American Cancer Society recommends that women betweenthe ages of 35 and 39 get a baseline mammogram; women whoare 40 years and older should get screened each year.

Sexually transmittedinfections (STIs),screenings andcounseling

This screening can find serious infections such as chlamydia, gonorrhea, hepatitis, HIV, HPV and others.

Get tested if you have had several sexual partners and are atincreased risk for these diseases.

Skin examination It’s important to check your skin for anyabnormalities, such as moles that increase insize, which may be signs of skin cancer.

Women should check their skin every month starting at age 18. By age 20, a Primary Care Physician or dermatologist shouldconduct the exam during a routine annual checkup.

Healthier Members ... Healthier Communities

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Be sure to talk to your doctor about thesescreenings, their recommended frequency andwhat’s right for you.

Call Member Services at the number on the back of your ID card if you have any questions about thecoverage of preventive services. You must use anin-network doctor or other in-network health careprofessional to have these services covered. To find participating doctors, go to our onlinedirectory at directory.horizonblue.com.

Horizon Blue Cross Blue Shield of New Jersey gives you tools to help youmake smart health care decisions so youcan better manage your health. If youhave been diagnosed with a serious healthissue, the Chronic Care Program may beable to help. For information, call 1-888-345-1150 Monday through Friday,between 8 a.m. and 7 p.m., Eastern Time,or visit HorizonBlue.com and click on Health and Wellness.

Sources:

Agency for Healthcare Research and Quality, ahrq.gov

American Cancer Society, cancer.org

The Centers for Disease Control and Prevention, cdc.gov

National Osteoporosis Foundation, nof.org

U.S. Preventive Services Task Force, uspreventiveservicestaskforce.org

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Access to Safe and Effective Care

Horizon Healthy Woman

Your Horizon Blue Cross Blue Shield of New Jersey health plan covers you for medical emergency care 24 hours a day.The following guidelines offer helpful information in case of an emergency, including ways to help save time and money.

If you find yourself in a true medical emergency:1. Go directly to the nearest Emergency Room (ER), or call 911 or your local emergency number.

2. If you are able to, contact your doctor before you go to the ER.

If you cannot call your doctor before you go, call him orher within 48 hours or as soon as reasonably possible. If you are unable to call, have someone else call on yourbehalf. It is important that your doctor be kept aware ofyour condition. Without this information, your doctorcannot properly coordinate your care or ensure that youreceive the right care, at the right time, in the right setting.

If you are faced with a medical emergency, you do notneed to call Member Services.

What is a true medical emergency?A true medical emergency is a medical condition of suchseverity that a prudent layperson with an averageknowledge of health and medicine would call forimmediate medical attention.

Examples of true medical emergencies include:• Difficulty breathing.• Heart attacks and strokes.• Loss of consciousness.• Obvious bone fractures.• Poisoning.• Uncontrolled bleeding.• Wounds requiring sutures.

Your Horizon BCBSNJ plan covers a medical emergencyscreening exam. This is an evaluation done in a hospital ER,performed by qualified health care personnel, to determineif a medical emergency exists. Horizon BCBSNJ will coverthe cost of the medical emergency screening exam; however,if it is determined that a medical emergency does not exist,please follow up with your doctor for instructions. If youcontinue to receive services in the ER after you have beenadvised that your condition is not a medical emergency,you may be responsible for nonemergent expenses.

See your participating doctor for other careThe best place for routine, nonemergency care is yourdoctor’s office. You and your doctor should:• Build a medical relationship.• Develop a personalized treatment plan.• Discuss your family’s health history.• Plan appropriate preventive measures.

Care on nights and weekendsShould you need to be treated after hours or on weekends,your doctor or his or her covering health care professionalshould be available 24 hours a day, seven days a week.

Additional resources• 24/7 Nurse Line:* If you want general informationabout a medical condition, you may contact our 24/7 Nurse Line and health care information service.Registered nurses who are specially trained intelephone health care decision counseling offerprompt health information to help you make informeddecisions about your health care. The nurses candetermine if emergency medical care, a doctor officevisit or self-care is right for your needs, and coachyou on how to make your doctor appointments moreproductive. This service is available 24 hours a day,seven days a week by calling the number on the backof your Horizon BCBSNJ ID card.

• Urgent Care Centers: Participating Horizon BCBSNJUrgent Care Centers throughout New Jersey treatpatients who have an injury or illness that requiresimmediate care but is not serious enough for a visit tothe ER. With extended and weekend hours, UrgentCare Centers treat wounds, sprains and otherconditions that need immediate attention, but are notlife-threatening. Your out-of-pocket expenses may be lesswhen you visit a UCC, rather than an ER, if it isn’t a truemedical emergency.

Know before you goA guide to your emergency benefits

* This service can help you make decisions about nonemergency, health-related situations. Forinformational purposes only. Nurse Line nurses cannot diagnose problems or recommend specifictreatment, and are not a substitute for your doctor's care. In the event of an emergency, call 911 oryour local emergency number and/or your doctor.

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Healthier Members ... Healthier Communities

Get the facts aboutoveractive bladderAccording to the Urology Care Foundation, about 33 million Americans have an overactive bladder (OAB).Nearly 40 percent of all women in the United States live with the symptoms of OAB. The reality is that thenumber of women living with OAB is likely to be higherbecause many women who have OAB don’t ask for help. They may feel embarrassed or be unable to talkto their doctor about their symptoms.

OAB isn’t a disease. It’s a term used to describe a group ofurinary symptoms. The most common symptoms of OAB are:• Frequent urination – urinating more than eight times a day or more than once at night.

• The sudden and urgent need to urinate.• Accidental loss of urine such as when you sneezeor cough.

Risk factors for developing OAB • Declining estrogen levels.• Drug side effects – frequent urination from diuretics(water pills), antidepressants or narcotics.

• Having diabetes, multiple sclerosis, Parkinson’sdisease or suffering a stroke.

• Obesity.• Pelvic surgery, such as a hysterectomy or surgery to treat uterine fibroids.

If you think you have OAB, talk to your doctor right away.Be sure to bring the following information to your doctor’svisit: • A list of your medical conditions.• Medications you are currently taking (including over-the-counter medications, vitamins and herbalsupplements).

• Operations or procedures you have had in the last 10 years.

• The number and details of your pregnancies.

Treatment optionsYou and your doctor can discuss some of the treatmentoptions to help manage your OAB symptoms, including:• Behavioral therapy (dietary changes, fluidmanagement, muscle exercises, keeping a bladder diary).

• Medications.• Nerve stimulation.

If you would like more information about OAB, call the 24/7 Nurse Line at 1-866-901-7477 to learn how to:• Ask your doctor questions that will help you make appropriate medical care choices.

• Understand general information about this medicalcondition and its treatment options.

Don’t let the symptoms of OAB hold you back from fullyenjoying life.

Sources: National Association for Continence, nafc.org

Urology Care Foundation, The Official Foundation of the American Urological Association, urologyhealth.org

Mayo Clinic, mayoclinic.com/health/overactive-bladder/DS00827/DSECTION=risk-factors

* This service can help you make decisions about nonemergency, health-related situations. For informational purposes only. Nurse Line nurses cannot diagnose problems or recommend specific treatment, and are not a substitute for your doctor's care. In the event of an emergency, call 911 or your local emergency number and/or your doctor.

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Healthier Members ... Healthier Communities

Flu prevention and the vaccineFlu season is here.

Sources:

Centers for Disease Control and Prevention, cdc.gov/vaccines

cdc.gov/flu/protect/keyfacts.htm.

For most of us, having the flu means feeling miserable for a week, then pulling ourselves out of bed to get on withour lives as usual. The flu can be serious, particularly foranyone with a health condition, including asthma, heartdisease, diabetes or a weakened immune system. The fluprimarily affects the lungs and respiratory system andsome people have a greater risk for serious flu-relatedcomplications, such as pneumonia.

Before the flu knocks you out, you can deliver the firstpunch. These prevention strategies can help you avoid flugerms. Here are ways to fight back if the flu tries to takeyou down.

Get vaccinatedExperts say the single best way to avoid the flu is to getvaccinated as soon as the vaccine is available in yourarea. The ideal time to get your flu shot is early fall, butyou can get it any time during the winter. According to theCenters for Disease Control and Prevention (CDC), it cantake about two weeks for the vaccine to work, so thesooner you get it, the better.

The timing and duration of flu seasons vary. While fluseason can begin as early as October, most of the timeseasonal flu activity peaks in January, February or later.Therefore, yearly flu vaccination should begin inSeptember, or as soon as the vaccine is available, andcontinue throughout the flu season, which can last as lateas May.

Since the flu virus changes, it’s also important to makesure you get a flu shot every flu season.

Don’t make excuses for skipping the vaccine. Your armmight be a little sore the next day. And you may feel a littleachy or run a low fever afterward.

Check out this website and select your age group from thedrop down to see the entire list of recommended shots:vaccines.gov/more_info/resources/vaccine-widget.html

Build a germ barrierThe flu virus is easily passed from one person to the next.You can catch it anytime a nearby person who is infectedwith the flu sneezes or coughs in your direction. You canpick up the flu virus from just touching a surface – like therestaurant table where a sick person dined before you. Flu germs can linger on surfaces for up to eight hours, sowhen you touch a contaminated surface and then put yourhands on your eyes, nose or mouth, your fingers cantransport the germs directly into your body.

It’s not always easy to avoid sick people, especially whenyou’re in close quarters like movie theaters. Your best betis to use good hygiene to create a barrier against the flu.

Here are some important hygiene tips to follow: • Wash your hands with warm water and soap whenpossible every time you shake hands or touch asurface that might be germ-covered.

• Carry an alcohol-based hand sanitizer with you fortimes when a sink isn’t available.

• Take extra care to not touch your mouth, eyes or nose without washing your hands first.

• Don’t share eating utensils, plates or drinking glasses.

The flu is a debilitating illness and can lead tocomplications. So be sure to get the vaccine and observe stringent hygiene precautions to help keep youhealthy during flu season.

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Healthier Members ... Healthier Communities

Early detection: A key weapon inthe battle againstbreast cancer

All women are at risk for breast cancer, which is the mostcommon cancer in women in the United States next to skincancer, according to the Centers for Disease Control andPrevention (CDC). However, there are targeted treatmentsfor specific kinds of breast cancer and promising newtreatments are on the horizon.

Although there is no sure way to prevent breast cancer, itis important to have regular mammograms, which can helpfind breast cancer at its earliest, most treatable stages.

Know the symptoms of breast cancerBreast cancer usually produces no symptomswhen the tumor is small and most treatable.Therefore, it is very important for women tofollow recommended screening guidelines for

finding breast cancer at its earliest stages.

When breast cancer cells have grown to a size that can befelt, the most common physical sign is a painless lump.Sometimes breast cancer can spread to underarm lymphnodes and cause a lump or swelling, even before theoriginal breast tumor is large enough to be felt. Lesscommon signs include:

• Breast pain or heaviness.

• Constant changes to the breast, such as swelling,thickening or redness of the breast’s skin.

• Nipple abnormalities, such as a discharge (especiallyif bloody), nipples that turn inward and feel tender.

It is important to know that pain (or lack of pain) does notsuggest the presence or the absence of breast cancer. If you see or feel anything that is abnormal, don’t wait!

See your doctor about testing as soon as possible.

Breast cancer screening recommendationsHorizon Blue Cross Blue Shield of New Jersey’sClinical Practice Guidelines support theAmerican Cancer Society’s recommendations

of yearly mammograms starting at age 40. In addition, the recommendations include a clinical breastexam, where your doctor will examine your breasts, everythree years for women in their 20s and 30s and every yearfor women 40 and over.

The American Cancer Society advises that women whohave a family history of breast cancer or have otherfactors that raise their risk should talk to their doctorsabout additional screening methods, such as a breastultrasound and Magnetic Resonance Imaging (MRI).

Women should also know how their breasts normally lookand feel and report any breast change promptly to theirdoctor. Breast self-exams are important for women,starting in their 20s.

Risk factorsHaving a risk factor does not mean you will getthe disease. Most women have some riskfactors and most do not get breast cancer. If you have several breast cancer risk factors,

talk with your doctor about ways you can lower your riskand about screening for breast cancer.

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According to the American Cancer Society, these riskfactors include:

Reproductive risk factors• Menstrual periods starting before age 12.• Menopause beginning after age 55. • Never giving birth or having a first child afterage 30.

Other Risk Factors• Personal history of breast cancer or some non-cancerous breast condition(s).

• Family history of breast cancer (mother, father,sister, grandmother, brother, daughter or son).

• Treatment with radiation therapy to the breast/chest.• Dense breasts, meaning breasts that have a higherdensity of tissue than fat. Breast cancer may beharder to find on a mammogram of dense breasts.

• Long-term use of hormone-replacement therapy.• Being overweight.• Drinking alcohol (more than one drink a day).• Not getting regular exercise.

Healthy tips for breast cancer prevention:• Maintain a healthy weight throughout your lifeor lost weight if you are overweight.• Adopt a physically active lifestyle.*

• Eat a healthy diet, which includes fruit,vegetables and whole grains.*

• Limit alcohol to one drink a day, as recommended bythe American Cancer Society.

If you need help locating a participating radiology facilityfor your mammogram, talk to your doctor or you can alsocall CareCore National, Horizon Blue Cross Blue Shield ofNew Jersey’s radiology service vendor at 1-866-969-1234,Monday through Friday, between 7 a.m. and 7 p.m., Eastern Time.

*Speak with your physician before starting any exercise program or a newnutrition regimen.

Sources: American Cancer Society, cancer.org/cancer/breastcancer

Centers for Disease Control and Prevention, cdc.gov

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Women’s Health and Cancer Rights ActThe federal government mandates certain health coverage for breast reconstructive surgery in any health insurance plan that provides medical and surgical benefits for mastectomies. This law,called the Women’s Health and Cancer Rights Act, became effective October 21, 1998.

If your plan provides medical and surgical benefits for mastectomies, and you are receivingbenefits in connection with a mastectomy and elect to have breast reconstruction along with thatmastectomy, your plan must provide, in a manner determined in consultation between you and theattending doctor, coverage for the following:• All stages of reconstruction of the breast on which the mastectomy was performed.• Surgery and reconstruction of the other breast to produce a symmetrical appearance.• Treatment of physical complications of the mastectomy, including lymphedemas.• Breast prostheses, which is an artificial form of a breast to help reconstruct its original form.

These benefits are provided to the same extent as any other illness under your coverage, subject to your deductible and coinsurance. All other features and benefits of your health insurance planremain the same and are not impacted by this notification.

Please refer to your summary of benefits and member handbook for more details on deductibles and coinsuranceapplicable to your health insurance plan.

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Stop smoking now for your health and your lifeIf you smoke, the sooner you quit, the better. According tothe American Cancer Society (ACS), quitting has immediatehealth benefits:• 20 minutes after quitting, your heart rate and bloodpressure drop.

• 12 hours after quitting, the carbon monoxide level in your blood drops to normal.

• In two weeks to three months, blood circulationimproves and lung function increases.

Smoking harms nearly every organ in your body. It’s hardon the heart and plays a role in many chronic and fataldiseases. Smoking affects cholesterol by raising the “bad” cholesterol and decreasing the “good” cholesterol.It makes your heart beat faster and increases bloodpressure, putting more strain on the heart.

Quitting smoking lowers the risk of lung cancer and othercancers, including cancer of the esophagus, larynx, mouthand throat. Quitting also reduces the risk of cardiovasculardiseases, stroke and chronic obstructive pulmonarydisease, a disease caused primarily by smoking tobacco.

Women who are pregnant and smoke are at higher risk of having a baby born too early and with an abnormally low birth weight. A woman who smokes during or after pregnancy increases her infant’s risk of death from Sudden Infant Death Syndrome (SIDS).

Quitting also helps anyone who maylive with a smoker, as they will no longer be exposed to harmful secondhand smoke.

Although quitting isn’t easy and it can take repeatedefforts, help is available. There are self-help groups,counseling, relaxation exercises, hypnotism, nicotine gumor patches and medications. To find out what’s right foryou, talk to your doctor.

Horizon BCBSNJ members have access to a free, online program through My Health Manager atHorizonBlue.com/mhm. This interactive, personalizedprogram guides you through specific and practical tasksfor quitting on a self-paced schedule.

For more information, visit smokefree.gov or call 1-800-QUITNOW (1-800-784-8669) to find a smokingcessation program that best fits your needs.

What about smokeless tobacco?You may have heard about smokeless tobacco. It’s knownby many names: dip, chew, snuff or chewing tobacco and it comes in several forms. No matter what it’s called,smokeless tobacco is highly addictive and can harm yourhealth. It can cause cancer of the mouth and other healthproblems. Holding an average-size dip in the mouth for just30 minutes can deliver as much nicotine as smoking threecigarettes. If you want to quit, have a firm quit date and a plan, and enlist the support of friends, family and co-workers.

What about cigars and pipes?All forms of tobacco are harmful and addictive. Cigarsmoke, like cigarette smoke, contains toxic and cancer-causing chemicals that are harmful to bothsmokers and nonsmokers. Cigar smoking causes oralcavity cancers, such as cancers of the lip, tongue, mouth,and throat and cancers of the larynx, esophagus and lungs.Even cigarillos, miniature cigars, are not without risk.

Sources: National Cancer Institute, cancer.gov

American Cancer Society, cancer.org

Centers for Disease Control and Prevention, cdc.gov

Healthier Members ... Healthier Communities

Ease of Navigating the Health Care System

Horizon Healthy Woman is written and produced by the Enterprise CommunicationsDepartment at Horizon Blue Cross Blue Shield of New Jersey. Your comments and suggestions on this publication are welcome.

Please write to: Horizon BCBSNJ, Cindy Green, PP-08Z, PO Box 420, Newark, NJ 07101-0420. Or, e-mail your comments and suggestions to<publications@HorizonBlue.com>.

Editor: Cindy Green Managing Editor: Paul SalusDesign and Layout: Laura Graham Director: Daisy Chan

NJ DIRECT and Horizon HMO are administered by Horizon Blue Cross Blue Shield of New Jersey and Horizon Healthcare of New Jersey, Inc., respectively. Both companies are independent licensees of the Blue Cross and Blue Shield Association. The Blue Cross® and Blue Shield® names and symbols are registered marks of the Blue Cross and Blue Shield Association. The Horizon® name, symbols and Making Healthcare Work® are registered marks of Horizon Blue Cross Blue Shield of New Jersey.Facebook® is a registered mark of Facebook, Inc. TwitterTM is a registered trademark of Twitter,Inc. © 2013 Horizon Blue Cross Blue Shield of New Jersey. Three Penn Plaza East, Newark, New Jersey 07105.

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Stay connected to your health care plan information withthe new Horizon Blue App.

Do you use our online member services?If you haven’t signed up yet for Member Online Services,there is no better time than now. It’s easy to sign up andthere is much you can do online to track your health andmanage your health plan.

When you need benefit information, it’s right at yourfingertips at shbp.horizonblue.com. You just need to logonto Member Online Services and register for secure access to:• Check your claims status and Explanation of Benefits.• Request ID cards and print a proof of coverage letter.

• Update your Primary Care Physician, if needed.• Download and print forms.

• Review your eligibility and benefits information.You can also:• Use the online directory.horizonblue.com to find in-network hospitals and doctors.

• Access money-saving discount programs as part of your plan benefits.