Health Plans for Individuals Under Age 65
Choosing the right health plan to suit your health and financial situation
is important. If you are not eligible for health coverage through an employer
group plan, you can enroll yourself or your family in one of our individual
plans.
We offer individuals a wide variety of health plans, so you're sure to find
one that meets your family's needs, all backed by the security and protection
of Blue Cross and Blue Shield of Nebraska health care coverage. As an added
convenience, monthly premiums can be automatically withdrawn from your checking
or savings account.
SAVE MONEY! You can save 30 percent on your monthly premium (excluding TempCare)
if you haven't used tobacco products for at least 12 months.
BlueEssentials is a set of budget-friendly plans that cover your essential health
care needs and give you the options you want. BlueEssentials offers affordable
plan options that give you coverage for inpatient and outpatient hospital services,
physician’s services, prescription drugs and much more! With BlueEssentials,
you also have the option of choosing calendar year deductibles or membership
coverage for single, single parent or family.
BluePreferred is a Preferred Provider Organization (PPO) plan. With our PPO coverage,
you pay less in deductible and coinsurance when you use the hospitals and doctors
in the plan's provider network. You have five BluePreferred options to choose
from.
You need health care coverage, but you’re concerned that you won’t
be able to afford it. You want protection against hospital and doctor expenses,
but don’t need coverage for certain types of medical care. BluePreferred
ValuePlan premiums are lower than our traditional BluePreferred PPO plan because
ValuePlan coverage does not include benefits for pregnancy and maternity services or inpatient
treatment for mental illness or substance abuse.
Now, you can get quality health insurance at a price you can afford. With BluePreferred
Basics you’re covered for basic health care services and you enjoy low monthly
premium payments. BluePreferred Basics offers affordable plan options that give you low
monthly premiums, a range of deductibles to suit your needs, a $1 million contract
benefit maximum and much more! There are four BluePreferred Basics options to choose from.
Are you between jobs and find yourself temporarily needing health care coverage?
If so, our TempCare coverage can bridge the gap – whether it lasts a month,
six months or one year.
CHIP
If you have had trouble getting health insurance because of a medical condition,
CHIP could help. CHIP was created by the Nebraska legislature to provide health
care coverage to Nebraskans who may be having difficulty purchasing a policy
at an affordable price or without restrictions because of a medical condition.
Blue Cross and Blue Shield of Nebraska is proud to administer the Nebraska Comprehensive
Health Insurance Pool on behalf of the State of Nebraska. To learn more about
the CHIP program, visit www.nechip.com.
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