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151+ Employees

Large Group Plans

Father and Son

With various coverage options for companies with 151 employees or more, you can be confident that your business will get the coverage it needs. Blue Cross and Blue Shield of Nebraska’s (BCBSNE) PremierBlue plans offer a combination of networks and benefits to better meet the needs of employers, while enhancing their ability to select cost-effective, quality health insurance for their employees.

Responding to our customers’ needs, our network and benefit offerings are structured simply, so employers can choose the desired options for their plan. Groups select the options they want and design a plan that meets the coverage needs and budgets of their business and employees.

This approach enables employers to experience the financial and timesaving advantages such as:
  • Choice of network options
  • Enhanced coverage options
  • Flexibility in benefit selection
  • Improved clarity in benefit designs
  • Increased employee engagement

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Network Options

Understand Provider Networks and Service Areas
NEtwork BLUE

NEtwork BLUE is our statewide network, made up of 95% of Nebraska’s doctors and 100% of the state’s non-governmental acute care hospitals.*

NEtwork Blue provides access to:

  • Hospitals and clinics across Nebraska
  • Primary and specialty care providers
  • Heart, cancer and trauma centers
  • Children’s care
  • Behavioral health network
* According to BCBSNE statistics.
Premier Select BlueChoice

Our Premier Select BlueChoice network is a regional two-tier network available to groups headquartered in Omaha, Lincoln and surrounding communities (680, 681, 683, 684, and 685 ZIP codes). All other Nebraska providers are out of network.

Some of the key hospitals and health care providers include:

  • Methodist Hospital System
  • Nebraska Medicine
  • Bryan Health
  • Boystown National Research Hospital
  • Children's Hospital and Medical Center
Blueprint Health

Our Blueprint Health network is a regional two-tier network available to groups headquartered in the Omaha, Lincoln and surrounding communities in ZIP codes 680, 681, 683, 684 and 685, as well as Adams, Buffalo, Hall, Kearney and Phelps counties. All other Nebraska providers are out of network.

Some of the key hospitals and health care providers include:

  • CHI Health System
  • Alegent Creighton Health Services
  • Nebraska Spine Hospital LLC
  • Boystown National Research Hospital
  • Children's Hospital and Medical Center
Out-of-State Networks

BCBSNE members have access to a national network called the BlueCardSM Program. If Blue members live or travel outside of Nebraska, they may take their health care benefits with them. The BlueCard Program gives members access to doctors and hospitals almost everywhere within the United States, including both urban and rural areas.

Outside of the United States, members have access to doctors and hospitals around the world through the Blue Cross Blue Shield Global® Core Program.

Cost Share Options

Choose an Amount For Your Plan

Cost shares are variable for deductibles, coinsurance percentages, copayments and out-of-pocket limits. The in-network annual out-of-pocket limits cannot exceed the amount published in Affordable Care Act (ACA) regulations. In addition, for qualified high-deductible health plans to be eligible for a health savings account, the minimum deductible and annual out-of-pocket limit cannot exceed the amounts as found in Internal Revenue Code - Sec. 223.

Optional Benefit Enhancements

Determine What's Right For Your Plan
Fully insured and self-funded options:
  • Cost share amounts are variable for the employer to choose
    • Deductible, then coinsurance
    • Copayment
    • Plan pays 100%
  • Covers one eye exam, including refraction, once per calendar year
Self-funded options:
  • Cost share amounts are variable for the employer to choose for preventive services not required by the ACA and when provided by an out-of-network provider

 

  • Paid same as substance abuse
  • Covers classes for the treatment of nicotine dependence or addictions and alternative therapies, such as acupuncture

 

  • Paid the same as any other illness, up to a maximum amount while covered (maximum amount is employer’s choice)
  • Covers medical services and prescription drugs for pregnancy assistance treatments

 

  • Paid same as any other illness, up to a maximum amount while covered (maximum amount is employer’s choice)
  • Covers medically necessary surgical treatment of obesity and post-surgical follow up care

 

Member Benefits

BCBSNE gives members access to a variety of resources that can help them better manage their health expenses. With the rising cost of health care, we understand that consumers are looking for ways to save without jeopardizing quality of care.
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Online Tools

Access our online member resource center to find in-network doctors, track medical bills and health care spending. 

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Cost Estimators

Get estimated costs for hospital stays, MRIs, office visits, surgeries, vaccines, X-rays and more.

Estimate costs

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Discount Programs

Get exclusive discounts and savings that make it easier and more affordable to make healthy choices with Blue365.

Sign up for Blue365

Tier 1 - Generic Drugs
Tier 2 - Preferred Brand
Tier 3 - Non-Preferred Brand
Tier 4 - Specialty Drugs
Lowest Cost to Highest Cost

Members can get a 90-day supply at one time (except for specialty drugs) by paying three copay amounts at an Extended Supply Network (ESN) or through mail-order. Retail non-ESN pharmacy is limited to a 30-day supply.

For specialty drugs to be considered in-network, those drugs must be purchased through a designated specialty pharmacy. Members can receive two fills at retail before they must use a designated specialty pharmacy. After the second fill, if a member uses retail or another mail order facility, benefits will be denied. In-network specialty pharmacies include Prime Specialty Pharmacy (for fully insured and self-funded groups), as well as Walgreens Infusion Services (Nebraska locations for fully insured groups).

A 25% penalty is applied if the member does not show his/her Blue Cross and Blue Shield of Nebraska member ID card at an in-network pharmacy. The 25% penalty does not apply to the maximum out-of-pocket limits.

Out-of-network pharmacy benefits are the same as in-network pharmacy benefits, except a 25% penalty applies. The 25% penalty does not apply to the maximum out-of-pocket limits.

The in-network pharmacy benefits accumulate to the medical plan’s in-network deductible and/or out-of-pocket limit, and out-of-network pharmacy benefits accumulate to the medical plan’s out-of-network deductible and/or out-of-pocket limit.

Our formularies/preferred prescription drug lists can be found on our drug list.

Prescription Drug Tiers (Formulary)

Prescription drugs are divided into the following four tiers. The cost for each 30-day supply of a covered prescription drug depends on the tier in which the medication is listed.