Find a Health Insurance Agent

Blue Cross and Blue Shield of Nebraska has sales representatives across the state ready to assist you with your individual or family health insurance needs. Find the Consumer Sales Representative serving your area.

 

Many Farm Bureau agents are licensed to sell our policies. Please check with your local Farm Bureau agent for information.

 

Employers, Blue Cross and Blue Shield of Nebraska also has appointed brokers statewide who can address your business needs. Employers with 2 to 50 total employees are eligible for BluePride products. Employers with 51 total employees to 150 eligible employees are eligible for BlueFreedom products. Employers with 151+ eligible employees are eligible for PremierBlue/SelectBlue products. For assistance in obtaining a BCBSNE quote and finding a broker, please contact John Deines, Director of Group Sales, at John.Deines@nebraskablue.com or (402) 982-8464.

 

If you are a Blue Cross and Blue Shield of Nebraska member and have questions about your current coverage, please call the Member Services number on the back of your BCBSNE member ID card.

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.