High-Deductible Plans

A high-deductible plan offers sound, affordable coverage that features low out-of-pocket costs. Used in combination with a Health Savings Account (HSA), these plans are designed to help you maximize your dollars and minimize your health care expenses. 

SelectBlue HDHP HSA-Eligible Health Plans

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A SelectBlue three-tier high-deductible health plan will provide you with key coverage in exchange for a lower monthly premium. You’ll also have the opportunity to invest the money you’ll save, tax free, in a health savings account.

In addition to an in-network tier and an out-of-network tier, SelectBlue offers the option of a second in-network tier (called Select BlueChoice), which includes all the advantages of an in-network tier as well as lower deductibles, coinsurance and copays. When SelectBlue members use any of the contracted physicians and surgeons from The Nebraska Medical Center and Nebraska Methodist Health System, they receive Select In-Network (Tier I) benefits. 

Because of this unique collaboration, these plans are available only to Nebraska residents residing in the following counties: Burt, Cass, Dodge, Douglas, Otoe, Sarpy, Saunders and Washington.

Deductibles in the Select In-Network tier start at $1,500 for singles ($3,000 for families). Maternity benefits can be added.

BlueEssentials High-Deductible, HSA-Eligible Health Plans

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A BlueEssentials high-deductible health plan will provide you with key coverage in exchange for a lower monthly premium. In addition, you’ll have the opportunity to invest the money you’ll save, tax free, in a health savings account.

Deductibles start at $1,500 for singles ($3,000 for families). Maternity benefits can be added.

BlueEssentials Choice High-Deductible, HSA-Eligible Health Plans

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If you're comfortable increasing your out-of-pocket expenses to lower your monthly premium, consider whether a BlueEssentials Choice High-Deductible, HSA-Eligible plan is right for you. This plan is appropriate if your medical expenses are typically limited to preventive care and/or you're currently without coverage and need to protect yourself against the costs related to catastrophic illness and injury.

Deductibles start at $1,500 for singles ($3,000 for families). Maternity benefits can be added.

If you have any questions or would like additional information, call your Farm Bureau agent.