Estimate Costs

Know Before You Go

How much does a knee replacement surgery cost? What does the average vasectomy cost with insurance? What is the typical colonoscopy cost? What does a typical birth cost in Nebraska? What's the cost of an MRI scan? 

At BCBSNE, we want to help our members be smart consumers of their health care. Our Cost Estimator tool will show you prices and quality ratings for services you may need now or in the future because there can be a big difference from one doctor to another. And it’s your right to know before you go!

How to Access the Cost Estimator:

The tool is easy to access and use for our members. To get started:

  1. Log in to your online account at
  2. Click on Tools and Resources
  3. Click What's It Cost? 
  4. Search for a doctor or hospital and choose an option from the drop down

Ways to Search:

1. Search for In-Network Doctors and Hospitals

Search for doctors and hospitals in your network to find their locations, their specialties, and other physicians that may also work there. Because quality is an important consideration, doctor profiles also include third party accreditation and credentials as well as patient-reviews.

2. Estimate Specific Services

Search for services like a hip replacement or MRI and click on the results in the "Estimate Services" section to see how your max out of pocket applies to the different locations. These results show what it would cost for the service itself. 

Roll over the cost to see what you pay and what is covered by your insurance.

3. Find Total Treatment Cost Breakdown

Choose a search suggestion next to "Total Cost Estimate" to see the full episode of care including a breakdown of the various costs for a more involved procedure and the number of days that are involved on average. Some examples of searches are total knee replacement and vaginal delivery. You can also see potential ways to save such as having certain test or therapy done at a non-hospital setting.

Take Charge of Your Health—and Your Budget

  • View estimates on common medical procedures tailored to your specific health benefits, your co-pay, deductible and out-of-pocket status.
  • Choose your provider by location, gender, specialties, languages spoken, or whether they're accepting new patients.
  • Read patient ratings and reviews to help select the best provider and health care facility for you and your family.
  • Understand all the details of the care you may need, such as hospital stays, lab work, follow-up doctor visits and more.
Get started today. 
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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.