Member Perks

Blue Cross and Blue Shield of Nebraska health plans provide peace of mind to our members. They know they can count on a company that has been providing health insurance to Nebraskans for more than 75 years. 

All Blue Cross and Blue Shield members have access to vision and hearing care discounts and member discounts that can help them stay healthy and save money called Blue365. Also, many of our health plans offer members access to member perks such as telehealth and identity protection and credit monitoring. 

Vision and Hearing Care Discounts

If you or your family members need vision correction or hearing aids, you know how costly access to these services can be. As a Blue Cross and Blue Shield of Nebraska member, you and your eligible family members can get the following discounts when you use participating vision and hearing care providers:

  • 10% discount off the cost of routine hearing and vision exams
  • 17.5% discount off the retail price of frames, lenses and contacts
  • 10% discount off the retail price of hearing aids

Learn more about Blue Cross and Blue Shield of Nebraska member discounts for vision and hearing care.

Blue365® Exclusive Member Discounts

Blue365 is a national program that offers access to health and wellness deals exclusive to Blue members. The program makes it easy and affordable for you to make healthy choices with special discounts from leading companies who offer savings in fitness, healthy eating and personal care. Learn more about Blue365 member discounts.

Telehealth allows members easy access to health care

Blue Cross and Blue Shield of Nebraska (BCBSNE) believes in the importance of providing options to help you access affordable and immediate health care. That's why we offer telehealth, a fast, easy way to see a doctor. It allows many of our members to have live doctor visits over a computer, tablet or phone anytime. It's easy to use, affordable, private and secure. Learn more about telehealth.

Identity protection and credit monitoring

Blue Cross and Blue Shield of Nebraska (BCBSNE) has teamed with AllClear ID to offer eligible BCBSNE members access to AllClear Secure identity repair and the option to enroll in AllClear Pro credit monitoring. These services are available to eligible BCBSNE members and their covered family members for as long as they remain covered under a Blue Cross and Blue Shield of Nebraska health plan. Learn more about AllClear identity protection and credit monitoring.

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.