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he Affordable Care Act is a new feder- al law that requires most Americans to have adequate health insur- ance coverage in 2014 or pay a tax penalty. The process of purchasing health insurance can

be a daunting task. For some of the Hispanic population in New Jersey, adding a language barrier to the com- plexity of health care can lead to even more confusion and frustration. Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) under- stands the challenges Hispanic con- sumers face when trying to purchase or even use their health insurance. With this in mind, in 2012, we introduced a new initiative – Tu Seguro Azul (your blue insurance) -- to assist Spanish speaking consumers with tools and in- formation they need to navigate the of- ten complex health insurance system. On October 1, 2013, Horizon BCBSNJ expanded this initiative to help His- panic consumers understand how the

Affordable Care Act impacts them. Tu Seguro Azul included the development of a new website for Spanish speakers. provides important online resources to help visitors make the right decisions about their health and health insurance. We welcome the opportunity to speak to Hispanic consumers – in their language. We have a highly trained and dedicated a special cus- tomer service and sales teams to assist Spanish-speaking members and an- swer questions about health benefits, or even help someone purchase health insurance for themselves or their fam- ily. If you are a Spanish-speaking Horizon BCBSNJ member, please call 1-855-477-AZUL(2985) to speak to a

Spanish-speaking service representative. If you are looking to purchase health insurance, please call 1-866-246-7448 to speak to a Spanish- speaking sales represen- tative to help you find a health insurance plan

that is right for you and your family. “Many of our Spanish speak- ing members are hesitant to speak to representatives that don’t speak their language,” said Amanda P., a customer service representative on the managed care team and part of the Tu Seguro Azul Team. “When they call our Span- ish customer service line, consumers feel more at ease to express themselves openly about their medical issues or any other concerns they may have about their health or benefits.” With Horizon Azul, Spanish- speaking consumers can talk directly to a Spanish-speaking customer service representative, rather than through an intermediary. “In many cases, children become a translator for their parents

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