In The Community

As a Nebraska-based company, we believe it’s our responsibility to be an active member of the communities in which our customers live and work. By contributing to organizations throughout the state, we're helping support programs and initiatives that build healthier communities. In turn, we are living our mission to deliver the health and wellness solutions people value most.  Here are a few of the Nebraska organizations that we continue to support.

Lauritzen Gardens

Lauritzen Gardens is a 100-acre outdoor garden of unique four-season plant displays. It provides educational opportunities to learn about the importance of plants, and “celebrates the bond between people and plants by instilling a deeper understanding of the need to conserve earth’s biological heritage." Blue Cross and Blue Shield of Nebraska is a platinum sponsor of the Tempo of Twilight summer outdoor concert series.  In addition, Blue Cross sponsors field trips for students at Conestoga Elementary to gain education outside of the classroom.

Omaha Zoo Foundation

The Omaha Zoo Foundation was founded in 1984 and supports the mission, research and programs benefiting Omaha’s Henry Doorly Zoo. The foundation is dedicated to preserving the zoo’s legacy by seeking support to build and renovate exhibits, launch new education programs, render the grounds more beautiful and accessible and to embark on conservation initiatives that touch the most remote habitats of the globe.  Blue Cross and Blue Shield of Nebraska sponsors events such as the Ed-Zoo-Cation experience that allows students from greater Nebraska to camp out in the zoo’s unique learning environment.

The Durham Museum

The Durham Museum’s Nebraska Learning Connection is an educational initiative of its distance learning program dedicated to sharing the museum’s educational resources with audiences throughout Nebraska. The Nebraska Learning Connection will use a combination of curriculum guides, distance learning programs, and distance learning broadcasts of select guest presentations and events at the museum.  It is designed to be a highly flexible program that adapts to meet the needs of the students, teachers, and lifelong learners within our state.




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.