BCBSNE launches new Medicare Advantage plans

Blue Cross and Blue Shield of Nebraska (BCBSNE) is offering two new Medicare Advantage plans to give Nebraskans a wider range of Medicare coverage options. 

”The addition of these products reflects a growing senior population in the state and a desire from those customers for Blue Cross and Blue Shield of Nebraska to provide them with a trusted solution,” Pat Bourne, BCBSNE senior vice president, said. “Our objective is to offer more preventive care as well as an extensive network of medical services to improve the quality of life for retirees and enable more good years.”

The Medicare benefits will be available in six Nebraska counties: Douglas, Sarpy, Saunders, Cass, Lancaster, and Dodge on January, 1, 2017. BCBSNE has nearly 60,000 customers enrolled in Medicare products. 

Benefits of the new Medicare Advantage plans include:

Low monthly premiums – featuring a $0 monthly option

Extra benefits – vision and hearing discounts, along with, gym memberships 

Extensive choice – networks with 1,700 contracted Providers in over 4,500 locations and referrals are not required to see a specialist

Preventive Care –plans provide coverage for immunizations, flu shots, and an annual physical

Enrollment for BCBSNE plans during the Medicare Open Enrollment Period are available until December 7, 2016.

More information about the Medicare plans offered from Blue Cross and Blue Shield of Nebraska are available at medicare.nebraskablue.com or call a licensed agent at 1-844-671-2055 (TTY 711).

 


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.