Code of Conduct

Principle One: Shared Responsibility

This principle reminds us that ethical business conduct is the responsibility of every BCBSNE employee. To maintain our reputation for honesty and fair dealing, it is important that we all help each other. If we don’t know how to handle an issue, we are expected to talk to our manager, Human Resources, Compliance or call our Ethics and Compliance hotline.

Principle Two: Safe and Respectful Workplace

How we treat each other in our daily work is as important as how we treat our customers and business partners. Be respectful and treat everyone equally and fairly. We value unique perspectives.

Principle Three: Honest and Fair Business Dealings

We must avoid conflicts of interest that could influence our actions to the detriment of BCBSNE. We must engage in fair and ethical competition and always provide truthful and accurate information to our customers, business partners, and the public.

Principle Four: Protect Assets and Information

We must be good stewards of all assets and ensure all of our information is properly used, shared, stored, and destroyed. We must use company assets for business purposes.

Principle Five: Compliance with Laws

It is everyone’s responsibility to follow applicable state and federal laws, regulations, and requirements. We owe a special obligation to the government and the public to ensure the highest degree of integrity.

HEALTH INSURANCE TERMS

Affordable Care act

The Affordable Care Act (ACA), sometimes called Obamacare, is a federal law designed to make health care more affordable, accessible and of higher quality.

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.

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.

health insurance marketplace (exchange)

The government Website (healthcare.gov) where you can purchase health insurance and see if you qualify for a tax credit (subsidy) to help pay premiums and out-of-pocket costs. 

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.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy.

tax credit

Financial assistance from the government that helps those who are eligible pay for health insurance. Eligibility is generally determined by household income and family size.

Tiered benefit plan

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