Our Medical Plans

Inspira Health offers two different medical plans:

  • Horizon Omnia Plan
  • Horizon MyWay HSA Plan

You may choose whichever plan best meets the needs of your family, or you may waive medical coverage. While both medical plans cover the same types of services, each provides coverage at a different level and requires you to contribute a different amount per pay period toward the premium. Please refer to the Medical Plan Summaries on the following pages for more specific information about your plan options (including coverage details such as copayments, deductibles, and coinsurance).

Option 1: Horizon Omnia Plan

If you choose this option, you and each covered family member will have access to three levels of providers. Your out-of-pocket costs for health care services will be determined by where you receive care.

1. Inspira Health Inner Circle:
Inspira Health providers and facilities; reduced or zero copays. When you receive care, you pay the least at Inner Circle providers and facilities

2. Horizon Omnia Tier 1:
Horizon affiliated NJ providers and facilities determined by Horizon to be high-quality and low-cost

3. Horizon Omnia Tier 2:
Additional Horizon providers and facilities, both in NJ and across the USA

Aside from Emergency care, out-of-network care is not covered under the Horizon Omnia Plan.

WANT MORE INFORMATION... your Plan Summary will give you detailed information about this plan.

Option 2: Horizon MyWay HSA Plan

The MyWay HSA Plan gives you the freedom to spend your health care dollars where you choose —at a higher out-of-pocket cost when you receive care.

WANT MORE INFORMATION... your Plan Summary will give you detailed information about this plan.


If you have questions regarding your medical benefits, use the contact information provided below.

By Phone
Horizon: 1-833-876-3827


Finding a Participating Provider

Our medical plans give you access to a national network of doctors and hospitals. To find in-network providers and hospitals:

  • Step 1: Go to
  • Step 2: Select “Doctor & Hospital Finder”
  • Step 3: Use the search fields to select a network and find providers in the Omnia or MyWay HSA plan