Discounts encourage<br> healthy living

Blue Cross and Blue Shield of Nebraska understands helping you live a healthy life means more than regular doctor visits — it also means helping you find time for the things that matter most.

Blue365 is a national program that gives Blue Cross customers exclusive access to discounts and savings that make it easier and more affordable to make healthy choices. Explore the special offerings from leading national companies in the following categories:

Fitness: Save on membership, monthly fees, and other services at Anytime Fitness, SNAP Fitness, Polar, Sportline, and Reebok.

Family care: Save on Hope Paige Medical emergency jewelry.

Hearing: Save on products from Beltone and TruHearing.

Nutrition: Get discounts on weight loss programs such as eDiets, Jenny and Nutrisystem. Find SuperKid recipes and games at Dole Food Company.

Vision: Save on vision products and services at Davis Vision, QualSight LASIK and LasikPlus.

Well-being products and services: Access fitness centers and healthy living specialists, as well as discounts to other products and services through Healthways.

The Blue365 program has a brand new website, a range of new features and even greater discounts than before.

Blue365 also now features “Healthways Fitness Your Way,” where customers can access nearly 8,000 fitness locations across the nation, as well as healthy living specialists and discounts to other well-being products and services.

BCBSNE customers who join the Blue365 email list will receive our best health and wellness deals delivered straight to their inbox every week.

Blue365 is a benefit exclusive to BCBSNE customers. So, if you're a BCBSNE customer, visit www.nebraskablue.com/blue365 and register today.

By Sara Cline




HEALTH INSURANCE TERMS



Affordable Care act

The Affordable Care Act (ACA), sometimes called Obamacare, is a federal law designed to make health care more affordable, accessible and of higher quality.

COINSURANCE

The percentage of the bill you pay after your deductible has been met.

COPAY

A fixed amount you pay when you get a covered health service.

DEDUCTIBLE

The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.

health insurance marketplace (exchange)

The government Website (healthcare.gov) where you can purchase health insurance and see if you qualify for a tax credit (subsidy) to help pay premiums and out-of-pocket costs. 

in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)

out-of-pocket

Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.

penalty

If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.

premium

The amount you pay to your health insurance company each month. 


Preventive services

Health care services that focus on the prevention of disease and health maintenance.

rehab SERVICES

Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).

specialist

A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy.

tax credit

Financial assistance from the government that helps those who are eligible pay for health insurance. Eligibility is generally determined by household income and family size.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider.