Diversity and Inclusion

Diversity and Inclusion are important to the Blue Cross and Blue Shield of Nebraska (BCBSNE) culture.  It starts with our CEO and is encouraged throughout our company. We value diversity because it helps to create a better company for our employees that translates into the best experience for our customers.

The Diversity Business Council was developed to be responsible for BCBSNE’s commitment to diversity. Compromised of 25 employees with diverse backgrounds from different areas of the organization, the Council helps our company stay committed to four main areas of diversity and inclusion:

People - Attract, retain and advance a diverse and fully engaged workforce through an inclusive environment that encompasses all cultures, backgrounds and perspectives

Community Engagement - Create and build relationships with community-based organizations that reflect our commitment to diversity and inclusion to serve diverse populations

Products and Marketing - Commit to reflecting the gender, racial, ethnic, generational, family and physical ability diversity that exists within our state in print, web and electronic marketing

Supplier Diversity - Enhance our local economy by strengthening relationships with female and minority- owned businesses as suppliers and vendors

We reinforce our commitment through ongoing diversity trainings, companywide cultural awareness events and professional development that encourages the true value of diversity and inclusion. 



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.