Horizon blue cross blue shield of new jersey refuses to answer my letters and pay a claim that is now over 6 months old. I was aware of the preexisting condition limitation when I signed up for the policy in march 2008. I went to the doctor for a condition I developed after the policy began. Horizon kept telling me they were reviewing my claim. To date, they have not answered my corrspondence and the doctor is now asking me for money. Horizon have not denied the claim, but they are refusing to have anything to do with it and I am on the hook for this bill. This is an example of bad faith insurance. Do not do business with this company, they are dishonest.