ID card clarification

At Blue Cross and Blue Shield of Nebraska, we strive to deliver transparency for our members to help them use their benefit coverage for health and financial wellbeing. Recently, we identified an opportunity that did not meet this commitment. We are sorry for any confusion this has caused you and your employees.
From Dec. 1 through Dec. 27, 2017, your employees may have received member ID cards with an “Activate online at” sticker attached to it. The intent of the sticker was to provide our members with awareness that they can manage their plan online and to take action by activating an account. However, we have found this message was a source of confusion for members. We are rectifying this by providing more clarification about activating a account. Starting Friday, Dec. 29, 2017 the following statement will be available on the desktop, mobile and mobile app:

    Your member ID card may have an “Activate online at” sticker attached to it. You are not required to activate an online account to use your card or your health or dental benefits. Your card is active on the effective date of your plan. Refer to the Schedule of Benefits letter included in your member ID card packet for your effective date(s).
    To manage your plan, we encourage you to activate a online account. is your secure member portal to help you get the most out of your coverage, 24/7.

Additionally, we are taking steps to communicate with members via social media, a new quick start guide on and new resource material for you to use with your employees when talking about our online member portal, Download new marketing materials
We have also created a new section called Group Leader Update to quickly post relevant information for you. 



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.