A message to our policyholders and members

From Steven S. Martin, President and CEO

Steven S. Martin | President and CEO | Blue Cross and Blue Shield of Nebraska (BCBSNE)

For nearly 80 years, Blue Cross and Blue Shield of Nebraska has been committed to providing our members with peace of mind, stability and security in the face of ever-increasing health care costs.  That commitment includes maintaining our long-term viability and independence so that future generations of Nebraskans can continue to count on us to be there for them. 

As part of these ongoing efforts, we plan to make some changes to our corporate structure.  These proposed changes will not affect your insurance coverage, benefits or your premiums in any way. 

What is the proposed change?

On December 1, 2017, Blue Cross and Blue Shield of Nebraska’s board of directors unanimously approved a plan to reorganize our company into a mutual insurance holding company.  Other Blue Cross and Blue Shield Plans across the country, as well as several Nebraska insurers, have formed mutual insurance holding companies.   

As a mutual insurance holding company, we will have more opportunities and flexibility to invest assets in ways that may not be available to us under our current structure.  As a policyholder, this benefits you because it will enable us to invest in developing technologies and programs aimed at making health care services more efficient and less expensive.

The proposed reorganization will create a new mutual insurance holding company, called GoodLife Partners, Inc.  If approved, this new mutual insurance holding company will become the overall parent company for Blue Cross and Blue Shield of Nebraska and our subsidiaries. 

As a Blue Cross and Blue Shield of Nebraska policyholder, you currently have a membership interest (voting rights) in Blue Cross and Blue Shield of Nebraska.  After the reorganization, your membership interest will be in GoodLife Partners, Inc., a mutual insurance holding company, and your contract rights as a policyholder will remain with Blue Cross and Blue Shield of Nebraska.  Again, the reorganization does not affect your insurance benefits, coverage or your premiums in any way. 

When will the reorganization occur?

As required by Nebraska law, the Director of Insurance held a public hearing on January 22, 2018. Following the public hearing, the Director of Insurance entered an Order finding the reorganization was fair and equitable to policyholders.

The proposed reorganization will now be submitted to our policyholders for approval at our Annual Meeting of Members on March 26, 2018. Sometime in February 2018, policyholders will receive notice of the meeting, a detailed information statement and a proxy (mail ballot) with voting instructions. If approved, the reorganization will become effective July 1, 2018.

More information about the reorganization

These materials may also be accessed by coming to our office in Omaha at 1919 Aksarben Drive between 8 a.m. and 5 p.m., Monday through Friday.  If you have any questions, contact us at 1-844-201-5217 or email corporate.secretary@nebraskablue.com.

We value the confidence you have placed in us.  Your support for this reorganization will ensure Blue Cross and Blue Shield of Nebraska continues our service to all Nebraskans for generations to come.


Steven S. Martin signature

Steven S. Martin
President and Chief Executive Officer





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.