What are the out-of-network benefits?
NJ DIRECT15 provides reimbursement for out-of-network coverage at 70 percent of the reasonable and customary fee schedule after deductible for most services, while NJ DIRECT10 (FOR RETIREES) provides reimbursement for out-of-network coverage at 80 percent of the reasonable and customary fee schedule after deductible, for most services. (Detailed benefit information will be provided during your open enrollment period.
