What We Have to Offer

Benefits

From the free parking to the onsite fitness facility and cafeteria, Blue Cross and Blue Shield of Nebraska (BCBSNE) offers countless benefits for working with the company. As an employee, you can start a 401(k) retirement plan where the company will match. You can take advantage of the low-cost insurance coverage for medical, dental, vision and life that is offered. Disability coverage is at no cost to employees. For days you need time away from the office, BCBSNE offers flexible hours with paid time off, as well as seven paid company holidays. If you’re in school, the company offers tuition reimbursement for classes taken after officially joining our team. For appreciation of the hard work that takes place here, there are employee incentive and recognition programs along with many other services one is offered as an employee.

View the 2017 Benefits Plan BCBSNE offers its employees.

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.