Know Where to Go for Care and How Much it Will Cost

Understand what a visit will cost

Each level of care costs something different under your health insurance plan. In some instances, you can save money by choosing a treatment from a care facility or doctor that has a lower copayment.


See information specific to your plan on > My Benefits.

You do not need prior approval before receiving treatment at an emergency room even if it’s outside your plan’s network.

Find medical care quickly

Doctors, hospitals and care facilities on our provider list (called “in-network” providers) have a special arrangement with BCBSNE. This means you get a discount and will likely pay less for medical services they provide than you would if you visited an out-of-network provider.

Health care costs can be a bit of an unknown sometimes. We want to make it easy to find costs so you can budget for the things that are important to you. Use the Find a Doctor tool to search for:

  • Names of doctors, clinics, hospitals or specialty
  • Medical procedures or service (knee replacement, maternity care) to estimate costs

*This tool does not have the exact codes the healthcare provider will use for the claim. For this reason, the actual cost may vary from the tool’s calculation. Estimates for services do not guarantee coverage for services. Prior authorization may be required.


  1. Visit > Tools & Resources > Find a Doctor or Hospital. Your plan’s provider network will be automatically applied to the search tool.
  2. OR
  3. Visit and search by name of the plan on your member ID card or, browse plans and select Medical and Dental Plans to see all options. Choose the network that matches the network indicated on your member ID card.

Call 1-888-592-8961 Monday – Friday between 7:30 a.m. and 6 p.m. CST to speak with member services representative who can help you find quality medical care nearby.

BlueCard® and Blue Cross Blue Shield Global Core (formerly BlueCard Worldwide®)
If you travel outside of Nebraska or the United States, you can access in-network doctors and hospitals through our national network, called BlueCard®. Outside of the United States, you have access to doctors and hospitals in nearly 200 countries and territories around the world through Blue Cross Blue Shield Global Core.

Some plans include telehealth benefits. See your benefits on > My Benefits.

Learn more about telehealth >



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.