Blue Cross Blue Shield of Nebraska

Blue Cross Blue Shield of Nebraska – Overview

Blue Cross Blue Shield of Nebraska (BCBSNE) has provided members access to affordable and comprehensive healthcare for over 80 years. As an Independent Blue Cross and Blue Shield Association Licensee, BCBSNE represents America’s largest and most experienced health insurance companies.

Today, BCBSNE continues to be an active member of the Nebraskan communities, where their members are provided easy access to top-quality health and medical care services.

Let’s look closer at the types of health insurance plans you can buy from Blue Cross Blue Shield of Nebraska.

Blue Cross Blue Shield of Nebraska Individual Health Insurance Plans

The Blue Cross Blue Shield of Nebraska offers an extensive range of individual and family health insurance plans for Nebraskans. The suite of plans is designed to meet the different needs of individual members.

Blue Cross Blue Shield of Nebraska – Individual Health Insurance Plans

BCBSNE offers affordable and top-quality care through its Network BLUE HB, which has 98% of the state’s doctors and non-governmental acute care hospitals as part of the PPO network. Besides this, you can also choose the Premier Select BlueChoice HB network, which features the Nebraska Methodist Hospital System and Nebraska Medicine.

Some of the major participants in the BCBSNE PPO network include Bryan Health, Children’s Hospital & Medical Center too. The Blueprint Health HB network has CIG Health facilities exclusively. Some major hospitals in this network include the Creighton University System, Nebraska Spine Hospital LLC, and Boys Town National Research Hospital.

Besides hospital and medical coverage, BCBSNE also offers extensive coverage for prescription drugs through an immense network of pharmacies that include Baker’s Walgreens, Walmart/Sam’s Club, Super Saver, U-Save, and Hy-Vee. Prescription drug coverage has several benefits, including significant cost savings, convenience, and time savings.

BCBSNE offers two main types of individual health plans:

#1. Nebraska HeartlandBlue

The BCBSNE Nebraska HeartlandBlue is an ACA-compliant health plan that offers various coverage options across the state. As per ACA guidelines, the BCBSNE individual health insurance plans are offered in three standard “metallic” levels – Gold, Silver and Bronze.

The Gold Plan has the lowest out-of-pocket expenses but has the highest monthly premium cost. The BCBSNE Silver Plan for individuals and families balances your out-of-pocket expenses and monthly premium with affordable rates. The BCBSNE Bronze Plan has the lowest monthly premium but the highest out-of-pocket expenses too.

Standard BCBSNE health plans offer uniform cost-sharing structures across all three levels. This lets consumers easily compare plans from different insurance carriers and choose the best coverage options.

You can check out the official resource to learn more about the Nebraska HeartlandBlue insurance plans.

#2. Armor Health Insurance

The Armor Health Insurance plans offered by BCBSNE are affordable and very flexible alternatives to conventional ACA health plans. These health insurance plans offer coverage for 12 months. Armor Health Insurance from BCBSNE is recommended if you are not receiving any subsidy on an ACA plan, looking for affordable, comprehensive medical coverage and an alternative to COBRA or if you are a small business owner who wants insurance coverage for less than four employees. These plans are also recommended if you are temporarily unemployed.

The Armor Health Insurance plans are offered in three different options. Armor Health Insurance Option 1 involves paying around USD 2,500 in individual and around USD 5,000 in family deductibles. This policy usually has a higher monthly premium than the other two options but comes with the lowest out-of-pocket expenses. Hence, Option 1 is recommended for those who frequently need medical care.

The Armor Health Insurance Option 2 involves paying around USD 5,000 (for individuals) and USD 10,000 (for families) as deductibles. This insurance plan has a lower monthly premium than the previous one but only slightly higher out-of-pocket expenses. This plan is advisable if you have an infrequent need for serious medical care but want prescription drug coverage and preventive care coverage.

The Armor Health Insurance Option 3 involves paying around USD 7,500 (for individuals) and around USD 15,000 (for families) as deductible. However, this plan has the lowest monthly premium but the highest out-of-pocket expenses. Hence, this plan is recommended if you do not need frequent medical care and are only looking for comprehensive coverage for serious medical issues.

You can check out the official website to learn more about BCBSNE Armor Health Insurance Plans for individuals and families.

Blue Cross Blue Shield of Nebraska Supplemental Insurance Plan

The Blue Cross Blue Shield of Nebraska offers LifeSecure, a comprehensive supplemental health insurance plan from its partner.

LifeSecure supplemental health plans provide accident insurance which pays cash benefits for personal injury cases following an accident, regardless of any other insurance you may have. This plan also has Critical Illness Insurance cover that provides lump sum cash benefits in case you get diagnosed with severe health conditions, such as cancer, stroke or heart disease.

Besides this, the BCBSNE LifeSecure health plan also has Hospital Recovery Insurance, which covers the recovery phase’s expenses after a prolonged hospital stay. This plan pays cash benefits for eligible inpatient hospitalization and care received at an observation facility.

Blue Cross Blue Shield of Nebraska Dental Insurance Plans

The BCBSNE offers several dental insurance plans to choose from, which meet different consumers’ specific needs and requirements. The BCBSNE Dental Essentials coverage can be bought as a stand-alone product even if you don’t have any other insurance with Blue Cross Blue Shield of Nebraska.

BCBSNE offers three main types of dental insurance, including coverage for preventive care services, such as routine oral checkups. Basic maintenance costs include extractions, fillings, and major and complex dental services, such as root canals, dentures, dental crowns, etc.

Conclusion

The Blue Cross Blue Shield of Nebraska has provided its members extensive and affordable access to quality healthcare for over 80 years. It serves millions of members across the state through different types of health insurance, including individual, family, employer, group, Medicare, and Medicaid insurance plans.

Grants for Medical