2-50 Employees
Small Group Plans
Find big coverage for your small business. Businesses with 2-50 employees can choose from a variety of small business health insurance plans known as BluePride. You can offer benefits that you and your employees will be sure to love.
All small business health insurance options meet the requirements mandated by the Affordable Care Act (ACA) so you can offer your employees health plans that cover all the essential health benefits, including pediatric dental and vision. These health insurance plans for small business offer the highest level of benefits to members when they obtain services from any physician or hospital designated as in network. Selecting an in-network provider means less out-of-pocket costs. If members choose to go outside of the network, they will have higher out-of-pocket costs.
Four Types of Enrollment
Small businesses can choose from four types of enrollment for employees
Single Membership
Covers the employee only.
Employee and Spouse Membership
Covers the employee and his or her spouse.
Only available on dental plans.
Employee and
Child(ren)
Covers the employee and his or her eligible dependent children, but does not provide coverage to a spouse.
Only available on dental plans.
Family Membership
Covers the employee, spouse and eligible dependent children.
Compare Plans
Bronze
Our Bronze plans offer the lowest premium costs, but out-of-pocket costs will be higher when members receive care.
Silver
Premium costs in our Silver plans are higher than Bronze plans, but offer lower out-of-pocket costs.
Gold
Our Gold plans include higher premium costs than Silver plans, but out-of-pocket costs for employees are lowest with these plans.
Download 2025 Brochure Download 2024 Brochure
Summary of Benefits and Coverage
View a complete list of Summary of Benefits and Coverage Documents.
Network Options
NEtwork BLUE
NEtwork BLUE is our statewide network made up of 98% of Nebraska's doctors and non-governmental acute care hospitals.*
NEtwork BLUE provides access to:
- Hospitals and clinics across Nebraska
- Primary and specialty care providers
- Heart, cancer and trauma centers
- Children’s care
- Behavioral health network
* Source: BCBSNE statistics. June 27, 2023
Premier Select BlueChoice
Our Premier Select BlueChoice network features Nebraska Methodist Hospital System, Nebraska Medicine and Bryan Health. This regional network is available to groups headquartered in Omaha, Lincoln and the surrounding communities in ZIP codes starting with 680, 681, 683, 684 and 685. All other Nebraska providers are out of network.
Some of the key hospitals and health care providers include:
- Methodist Hospital System
- Nebraska Medicine
- Bryan Health
- Boys Town National Research Hospital
- Children's Nebraska
Blueprint Health
Our Blueprint Health network features CHI Health and other providers and facilities in Nebraska and contiguous counties in Iowa. This regional network is available to groups headquartered in Omaha, Lincoln and the surrounding communities in ZIP codes starting with 680, 681, 683, 684 and 685, as well as Adams, Buffalo, Hall, Kearney and Phelps counties. All other Nebraska providers are out of network.
Some of the key hospitals and health care providers include:
- CHI Health
- Creighton University System
- Nebraska Spine Hospital LLC
- Boys Town National Research Hospital
- Children's Nebraska
Out-of-State Networks
Many BCBSNE members have access to a national network called the BlueCard® Program*. If Blue members live or travel outside of Nebraska, they may take their health care benefits with them. The BlueCard Program gives members access to doctors and hospitals almost everywhere within the United States, including both urban and rural areas.
*Check your plan documents to determine if your network includes BlueCard.
Outside of the United States, members have access to doctors and hospitals around the world through the Blue Cross Blue Shield Global® Core Program.
Member Benefits
Online Tools
Access our online member resource center to find in-network doctors, track medical bills and health care spending.
Cost Estimators
Get estimated costs for hospital stays, MRIs, office visits, surgeries, vaccines, X-rays and more.
Discount Programs
Get exclusive discounts and savings that make it easier and more affordable to make healthy choices with Blue365.Prescription Drug Coverage
Prescription drug coverage is available to BCBSNE members through our Rx Nebraska Prescription Drug Program with our pharmacy benefit manager, Prime Therapeutics, Inc.
BCBSNE members will pay less out of pocket on prescriptions filled with in-network pharmacies. Members may also use Express Scripts® Pharmacy to order up to a 90-day supply of maintenance medications at one time (if allowed by the prescription).
In-Network ($)
- Walgreens
- Walmart/Sam's Club
- Hy-Vee
- Think
- Baker's
- U-Save
- Super Saver
- Costco
Out-of-Network ($$)
- CVS
- Target
This is a partial list of providers. For a complete list visit our Managing Medications page.
Prescription Drug Tiers (Formulary)
Prescription drugs are divided into the following six tiers. The cost for each 30-day supply of a covered prescription drug depends on the tier in which the medication is listed.
Commonly prescribed generic drugs.
Retail Pharmacies
Members should take their prescription to a participating pharmacy and show the pharmacist their BCBSNE member ID card. The member will pay the applicable copay/deductible/coinsurance amount.
Please note: Whenever appropriate, generic drugs will be used to fill prescriptions. The member will also be responsible for paying an additional 25% if a prescription is filled at a non-participating pharmacy.
Home Delivery Service
Amazon Pharmacy will be the home delivery pharmacy. With Amazon Pharmacy, you have access to the MedsYourWay® discount card pricing, administered by Inside Rx, and your long-term medications will be delivered to your home.
Prescription Coverage Benefits
Cost Savings
You pay less when you choose generic medications from our drug list. You should talk to your doctor about what is right for you.
Convenience
With many in-network pharmacies to choose from, you can fill prescriptions close to home or work.
Time Savings
You may have up to a 90-day supply of maintenance medications delivered directly to you.
Online Resources
You may search the drug list, find a pharmacy, view your claims and estimate the cost of medications 24/7 by logging in to myNebraskaBlue.com.
#1 in Member Satisfaction
for Commercial Health Plans
in the Heartland
For J.D. Power 2024 award information visit jdpower.com/awards.