Horizon Casualty Services, Inc., a subsidiary of Horizon Blue Cross Blue Shield of New Jersey, in business since 1994, is the #1 workers’ compensation (WC) and personal injury protection (PIP) PPO in New Jersey. The company’s 100 percent direct contracted provider network includes 99% of New Jersey acute care hospitals, WC savings 62 percent below UCR and with its deep focus on precision; an extremely low WC provider appeals rate of 0.2%. Its PPO results coupled with its WC health care value Outcomes Focused Network strategy enables insurers to be best at delivering quality medical care to claimants at the right cost — clearly a win-win for all stakeholders involved in WC claims.