For more than 75 years, we have worked to protect the health and information of the members we serve. As part of this commitment, we have teamed with AllClear ID to offer two additional levels of protection – identity repair and credit monitoring services. 

You and your eligible family members will have automatic access to AllClear Secure identity repair, and have the opportunity to enroll in AllClear Pro credit monitoring – both at no cost to you. These services will be available to you and your covered family members for as long as you remain covered under a BCBSNE health plan.

How AllClear Secure identity repair works:
If you experience identity theft, a dedicated investigator from AllClear ID will act as your guide and advocate from start to finish, initiate the dispute process, and ensure your identity returns to its pre-fraud state - all at not cost to you, ever. Access to identity repair is automatic; meaning, no enrollment is needed.

How AllClear Pro credit monitoring works:
This service offers additional layers of protection that specifically monitors new credit accounts opened in your name. When this happens, AllClear ID sends alerts to you so you stay informed of your credit activity. Although this service is also free, you must enroll in credit monitoring because you will need to provide AllClear ID with personal information such as your Social Security number.

AllClear ID is recognized for its expertise, partnership, and innovative solutions. AllClear ID backs their products and services with the best customer service in the industry, which is reflected in their 97% customer satisfaction rating and 20 international awards.

If you have any questions about these identity repair or credit monitoring services, please call our Member Services department at the number shown on the back of your Blue Cross and Blue Shield of Nebraska member ID card.



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


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

Tiered benefit plan

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


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.


Includes behavioral health treatment, counseling, and psychotherapy

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.)


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


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.


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.


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).


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.