Scammers Are Pretending to be Blue Cross and Blue Shield of Nebraska

Scammers are using fake Blue Cross and Blue Shield of Nebraska business logos, phone numbers, Web and street addresses to lure people to buy health insurance.   We discovered the scam and alerted Nebraska’s attorney general and Nebraska Department of Insurance.  
 
The scammers are calling consumers and attempting to collect personal information and offering insurance plans well below the market value.  We’ve traced the activity to a company alleging to be Simple Health based in Hollywood, Florida.  Victims are reporting the company charges their credit card monthly but never provide insurance cards or proof of coverage, and it’s difficult to cancel. 
 
We will never call and ask you for your personal or credit card information over the phone. Nor do we sell your personal information to other companies for marketing purposes.  If you get this type of call claiming to be us, hang up and call us on our Fraud Hotline at 877.632.2583.
 
Never purchase insurance over the phone.  If you are looking for coverage, either work with a licensed agent or broker or contact us via our website.  
 
If you need to contact us, please use the telephone numbers provided on our website or the Member Services number shown on the back of your Blue Cross and Blue Shield of Nebraska ID card.  
 
“As always, we will remain vigilant in protecting your personal information and continue to make you and authorities aware of any illegal activity,” Kerry Kremke, Blue Cross and Blue Shield of Nebraska chief security officer, said.
 
If you believe you have been scammed contact the Nebraska Attorney General’s Consumer Protection Division at 800.727.6432.

HEALTH INSURANCE TERMS


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.

Tiered benefit plan

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

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.

SUBSTANCE ABUSE DISORDER SERVICES

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.)

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.