In just a few simple steps, our Subsidy Calculator can quickly let you know if you qualify for a tax credit (or subsidy) and how much you could save on your monthly insurance payment.Click Here
Then click Shop Medical, then click Shop Now to see if you qualify.
Shopping with Blue Cross and Blue Shield of Nebraska for your individual or family health insurance plan means you’ll have our trusted team on your side. Talk to one of our advisors to receive personal guidance while finding the best plan for you.
The Health Insurance Marketplace (healthcare.gov) gives you access to the same plans and pricing available through Blue Cross and Blue Shield of Nebraska. Visit our website to access the Marketplace and see if you’re eligible to receive a tax credit. If you do qualify for a tax credit, you can purchase your plan through your insurance company or the Marketplace.
The ACA requires each health insurance plan to cover a certain percentage of health care costs.
If you’re shopping for individual or family health insurance and want to know how to pick the right plan, it’s important to think about how much you use your insurance. If you go to the doctor frequently, you may want a plan with higher monthly payments but lower out-of-pocket costs so your medical expenses are more predictable. If you rarely go to the doctor, you may want a plan with lower monthly payments. However, such plans have higher out-of-pocket costs, so you’ll pay more up front when you do need medical care.
The Affordable Care Act (ACA) is a United States federal statute signed into law on March 23, 2010, and is designed to make healthcare more affordable, accessible and of a higher quality.
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.
The amount you pay for health services each calendar year before your insurance begins to pay.
Also known as the Exchange (healthcare.gov), it is the place set up by the government where you can find information about private health insurance options, purchase health insurance and obtain help with premiums and out-of-pocket costs if you are eligible.
Care you receive that requires admission to a hospital.
The window of time from November 1, 2015 – January 31, 2016 when you can purchase health insurance.
A term for providers that aren’t contracting with your insurance company. (Tend to be more expensive than in-network providers.)
Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance, and copayments for covered services, plus all costs for services that aren’t covered.
Care you receive at a hospital without being admitted.
Health care for kids, including dental care and vision care.
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.
Routine health care that includes screenings, check-ups and patient counseling to prevent illness, disease, or other health problems.
Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
Includes behavioral health treatment, counseling, and psychotherapy.
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).
Financial assistance from the government that helps those who are eligible pay for health insurance. Eligibility is generally determined by household income and family size.