Enrollment Guide

Ready or not, open enrollment season is here!

Chances are you’ll be communicating more with your employees over the next six to eight weeks. Have you shared the Employee Enrollment Guide yet? Check it out for yourself, visit guide.nebraskablue.com and then take a minute to download our enhanced Employee Enrollment Guide Toolkit (zip; 547 KB) for powerful marketing materials at your fingertips.

Good communication around open enrollment is critical because we know that many employees are simply overwhelmed by all of their options. A 2017 survey found that 49 percent of US workers say that making health care choices is “very stressful,” while 36 percent say the enrollment process is “extremely confusing.

Nothing is more important than helping your team members make the right decisions for themselves and for their families. So we’ve put together an informative tool for you to share, whether your employees are Blue Cross and Blue Shield of Nebraska members or not.

  • Compare and contrast. Look at your deductible status as a starting point.
  • See what’s in network. Find out if your doctor and pharmacy are covered.
  • Brush up on the language. Get clear and concise definitions of common terms.
  • Calculate your expenses. Compare options and determine your maximum spend.

What is the Enrollment Guide? 

The enrollment guide is a website made for your employees, visit guide.nebraskablue.com to experience it for yourself! Intro video, guided worksheet, simplified glossary, PPO and high-deductible plans defined and more. This guide will help your employees prepare for the enrollment process.

We also have helpful marketing material to share with your employees during open enrollment, like intranet posts, emails, flyers and more.

Video and Intranet Copy

Many employers are asking for the video to place on their intranet. You can do the same with the information below or download everything together from the Employee Enrollment Guide Toolkit.

Video YouTube Link: https://www.nebraskablue.com/enrollementguidevid

Intranet Copy:

If picking a health insurance plan has been a pain point for you in the past, you’re not alone. This year is going to be different. With the help of our enrollment guide, you will better understand your plan and your overall health care needs.

  1. Watch a quick video. Get yourself primed and ready to go.
  2. Download the worksheet. See a birds eye view of your plan.
  3. Get your answers. Find in network doctors and calculate your health care costs.
  4. Prepare to enroll with confidence. Feel good about knowing you have the right plan for you.

Let’s get started at https://guide.nebraskablue.com.

Emails

Communicate frequently with your team members by downloading our pre-designed emails. Just open and send.

Our suggestion is to use these as follows:

Send this email now: email link (Outlook; msg)

Email for week two: email link (Outlook; msg)

Email for week four: email link (Outlook; msg)

PDF Worksheet

We suggest printing off copies of the guide and handing them out during open enrollment meetings or health fairs to ensure all team members have access to your Enrollment Guide. Encourage your employees to utilize the PDF with the website guide.nebraskablue.com for greatest benefit.

In the Enrollment Guide Toolkit, we have three different color versions of the worksheet for your use. The worksheet can also be downloaded directly from guide.nebraskablue.com.

Posters and business cards available on the Employee Enrollment Guide Toolkit (zip; 547 KB).

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.