Identity Protection Services

AllClear ID is a team of technology and customer service professionals committed to delivering helpful and easy to use identity protection. They have earned 15 international awards for outstanding customer service, have a 100% success rate in resolving financial identity theft cases covered by U.S. consumer protection laws, and have an A rating from the Better Business Bureau.*

AllClear will no longer be available to members after December 31, 2018.

How does identity repair work?

If a member experiences identity theft, a dedicated investigator from AllClear ID will act as the member's guide and advocate from start to finish by initiating the dispute process, and ensuring the member's identity returns to its pre-fraud state.

Members may enhance their protection with credit monitoring

With AllClear Credit Monitoring, members can have additional layers of protection that specifically monitor new credit accounts opened in their name. If this happens, AllClear ID sends alerts to the members so they stay informed of their credit activity.

BCBSNE members and their eligible family members may enroll in AllClear Credit Monitoring – at no additional cost to them. (While AllClear Identity Repair is automatic protection, members must enroll in credit monitoring because they will need to provide AllClear ID with personal information such as their Social Security number.)

What is the cost?

Eligible BCBSNE members may use these services at no cost to them, and there will be no additional administrative fee charged to our group clients for this service. 


AllClear ID provides identity protection services for eligible Blue Cross and Blue Shield of Nebraska health plan members. AllClear ID is an independent company and is responsible for its services. Blue Cross and Blue Shield of Nebraska is an independent licensee of the Blue Cross and Blue Shield Association.



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.