Blue Cross and Blue Shield of Nebraska teams with AllClear ID to offer identity repair/credit monitoring

Blue Cross and Blue Shield of Nebraska (BCBSNE) is joining Blue Cross and Blue Shield companies nationwide in offering identity protection services to our customers.  BCBSNE has teamed up with AllClear ID for access to AllClear Secure identity repair and the option to enroll in AllClear Pro credit monitoring.

“Cybersecurity threats are unfortunately commonplace in today’s business climate,” Rama Kolli, chief information officer and BCBSNE vice president said. “These services are part of our ongoing commitment to the safety and security of our customers’ personal information.”

The services are available now to BCBSNE customers and their covered family members at no cost for as long as they have a Blue Cross and Blue Shield of Nebraska health plan.

“We’re proud to partner with BCBSNE, a company that shares our customer-first approach. When making strategic security decisions, most companies typically focus only on the protection of their networks, data, and facilities. BCBSNE has taken a great step forward by extending that protection to their members’ identities,” said Bo Holland, Founder and CEO of AllClear ID.

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 help ensure your identity returns to its pre-fraud state. 

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.

Individual and Medicare supplement plan customers will receive automatic access to the identity repair service.  Customers must enroll in the credit monitoring service because, to use that service, customers must provide personal information such as their Social Security number.

 

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.