Health Insurance Plans

Health insurance plans from Blue Cross and Blue Shield of Nebraska provide you with more than coverage. They provide you with access to resources, tools and programs to help manage your health and improve your well-being.

Benefits of buying a BCBSNE health plan include:

24/7 virtual doctor visits

Online tools to find doctors and compare health care costs

Health and wellness programs

100% preventive care coverage

All fully insured health plans are ACA (Affordable Care Act) compliant

If you qualify for a government subsidy (advance tax credit), you may apply that subsidy to any of the 2016 BlueEssentials or SelectBlue health plan options shown here, with the exception of the Catastrophic option.

Shopping for 2017 Open Enrollment will begin on November 1, 2016.

2016 BlueEssentials, SelectBlue, and Catastrophic Plan Options

If you are a Nebraskan residing in Burt, Cass, Dodge, Douglas, Otoe, Sarpy, Saunders or Washington county, the health plan options shown in the brochure below are available to you.

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BlueEssentials and SelectBlue Bronze, Silver and Gold options are designed to provide you with coverage for hospital, medical and surgical expenses incurred as the result of a covered illness or injury.

2016 BlueEssentials and Catastrophic Plan Options

If you are a Nebraskan residing OUTSIDE Burt, Cass, Dodge, Douglas, Otoe, Sarpy, Saunders and Washington counties, the health plan options shown in the brochure below are available to you.

Get a Quote

BlueEssentials Bronze, Silver and Gold options are designed to provide you with coverage for hospital, medical and surgical expenses incurred as the result of a covered illness or injury.

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.