Important information about the Millard and Papillion Family Hospitals

The Millard and Papillion Family Hospitals are out of network with Blue Cross and Blue Shield of Nebraska and patients who use services from them may, in certain circumstances where surprise billing laws do not apply, be responsible for charges beyond their plan’s out-of-pocket amounts and what BCBSNE will pay.

In-network providers represent the best value for our members. Members pay the lowest cost for covered care when they use in-network providers. Here’s why:

Why using an in-network provider is important
  • BCBSNE contracts with 96% of doctors and hospitals across the state. These are called in-network providers.
  • In-network providers agree to accept BCBSNE’s allowed amount for covered services as payment in full, not including deductible, coinsurance and/or copay amounts, which are the member’s responsibility. This means that the provider agrees not to bill the patient for any charges above BCBSNE’s payment for covered services. (Also referred to as “balance billing.”)
  • Prior to enactment of surprise billing legislation at state and federal levels, out-of-network providers could bill and collect from patients any amounts above what the insurance company paid, even in emergency situations. This often resulted in unexpected bills totaling thousands of dollars.
  • Out-of-network facilities, such as Millard and Papillion Family Hospitals, may still balance bill patients for non-emergency services. 
About “no surprises” state and federal laws
  • Recent state and federal legislation provides important protections to patients related to balance billing.
  • In January 2020, Nebraska adopted the Out-of-Network Emergency Medical Care Act. As a result of this law, providers (general acute hospitals, satellite emergency departments or ambulatory surgical centers) in Nebraska may no longer balance bill patients for medical care received from out-of-network providers in emergency situations.
  • In January 2022, the federal No Surprises Act (part of the Consolidated Appropriations Act) went into effect. Consumers are protected from being balanced billed by out-of-network providers, including air ambulance providers, in emergency and certain non-emergency situations. 
How members can locate BCBSNE in-network providers
  • BCBSNE members can access their plan’s provider network via their account or use the Find a Doctor tool on our website to find in-network providers.