Blue Cross and Blue Shield of Nebraska
Blue Cross and Blue Shield of Nebraska is an independent Blue Cross Blue Shield licensee and Nebraska's largest health insurer, providing group, individual, Medicare Advantage, Medicare Supplement, Part D, dental, and vision plans to Nebraska employers, consumers, and seniors through direct agents and brokers.
- Company typePrivate
- Founded1945
- HeadquartersOmaha, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Blue Cross and Blue Shield of Nebraska does
Blue Cross and Blue Shield of Nebraska (BCBSNE) is an independent licensee of the Blue Cross Blue Shield Association and Nebraska's oldest and largest health insurance company, headquartered in Omaha. Founded in 1939, the company provides comprehensive health insurance across three core lines: group health plans for employer groups ranging from 2 to 151+ employees, individual and family plans (including ACA-compliant Nebraska HeartlandBlue and Armor Health), and Medicare Advantage, Medicare Supplement, and MedicareBlue Rx (Part D) plans. BCBSNE also distributes standalone dental, vision, supplemental (LifeSecure), and travel (GeoBlue) coverage, and administers claims for state and federal health programs including the Nebraska State Health Insurance Fund and the Federal Employee Program.
BCBSNE operates a conventional health-insurance technology stack anchored by the myNebraskaBlue member portal and a BCBSNE mobile app for self-service benefits, claims, and ID-card management; the NaviNet provider portal (NantHealth) for eligibility verification, prior authorization, and claims processing, mandated for in-network providers since November 1, 2023; and MedPolicy Blue for medical-policy transparency. Pharmacy benefit management is contracted to Prime Therapeutics, with home delivery via Amazon Pharmacy (exclusive) and specialty fulfillment through AllianceRx Walgreens Prime. Prior-authorization drug workflows integrate with CoverMyMeds and GatewayPA.com. The platform supports HIPAA, ACA Transparency in Coverage, Section 1557 civil-rights, and WCAG 2.0 AA compliance.
Revenue is generated primarily through recurring monthly premiums across group, individual, and Medicare lines, supplemented by administrative-services revenue from state and federal health-program contracts. Distribution combines direct sales (Senior Sales Executives segmented by group size and Medicare-certified agents for individual and senior products) with a broker/consultant channel supported by a dedicated broker portal, training, and quoting tools. The company's stated differentiators are the largest provider network in Nebraska, the Blue Cross Blue Shield brand license, #1 J.D. Power member-satisfaction ranking in the Heartland (2024), and seven consecutive Best of Omaha health-insurance awards (most recently 2025). Operations are concentrated in Nebraska with limited national-account access via the BlueCard network.
Blue Cross and Blue Shield of Nebraska firmographics
Firmographics- Name
- Blue Cross and Blue Shield of Nebraska
- Legal name
- Blue Cross and Blue Shield of Nebraska
- Website
- https://nebraskablue.com
- Company type
- Private
- Founded year
- 1945
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Blue Cross and Blue Shield of Nebraska is an independent Blue Cross Blue Shield licensee and Nebraska's largest health insurer, providing group, individual, Medicare Advantage, Medicare Supplement, Part D, dental, and vision plans to Nebraska employers, consumers, and seniors through direct agents and brokers.
- Ownership category
- akta.pro rank
Blue Cross and Blue Shield of Nebraska industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)
- akta.pro secondary industries
- Individual Dental Insurance (FSAIAEAE), Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ)
Keywords
Where Blue Cross and Blue Shield of Nebraska is headquartered
LocationHeadquarters
- HQ city
- Omaha
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Blue Cross and Blue Shield of Nebraska business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Others, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Health Insurance Premiums: BCBSNE generates primary revenue through premiums collected from group health plans (small, mid-size, and large employer groups), individual and family health plans, and Medicare Advantage and Supplement plans. Premiums are the primary revenue stream for this health insurance company.
- Dental and Vision Insurance Premiums: BCBSNE offers standalone dental and vision insurance plans for individuals, families, and employer groups, generating additional recurring premium revenue.
- Supplemental and Travel Insurance: BCBSNE offers supplemental insurance plans (such as LifeSecure), travel medical insurance (GeoBlue), and other supplemental products that generate premium revenue.
- Government Health Program Administration: BCBSNE processes medical and prescription claims for state health insurance programs, including Nebraska state employee health insurance, and federal programs such as the Federal Employee Program (FEP). The company paid $293 million in medical and prescription claims last year.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Group Health Plans offered across small, mid-size, and large employer groups with a range of deductible and plan options |
| Subscription | Monthly | Individual and Family Health Plans including Nebraska HeartlandBlue ACA plans, Armor Health, and supplemental insurance |
| Subscription | Monthly | Medicare Plans including Medicare Advantage, Medicare Supplement, and MedicareBlue Rx (PDP) |
| Subscription | Monthly | Dental and Vision Insurance Plans for individuals and groups |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Blue Cross and Blue Shield of Nebraska product offering
Product offeringCore offering
Blue Cross and Blue Shield of Nebraska sells health insurance products to Nebraska residents and employers, including medical, dental, vision, Medicare Advantage and Supplement, Medicare Part D prescription drug, and supplemental coverage. Products are distributed to employer groups (small, mid-size, large) as well as individuals, families, and Medicare beneficiaries through licensed sales agents, appointed insurance brokers, and online self-service channels, supported by digital member and provider portals.
Product overview
Blue Cross and Blue Shield of Nebraska (BCBSNE) is an independent licensee of the Blue Cross Blue Shield Association operating in Nebraska. The company offers a comprehensive health insurance portfolio organized around three core product lines: Group Health Plans (small, mid-sized, and large employer groups with PPO options ranging from $1,000 to $5,000 deductibles including HSA-compatible plans), Individual & Family Plans (ACA-compliant Nebraska HeartlandBlue and Armor Health Insurance, plus supplemental, dental, vision, and GeoBlue travel coverage), and Medicare Plans (Medicare Advantage, Medicare Supplement, and MedicareBlue Rx prescription drug plans). Supporting these products are digital platforms including the myNebraskaBlue member portal for 24/7 benefits management and claims access, the BCBSNE Mobile App for on-the-go access and mobile ID cards, and the NaviNet Provider Portal for real-time eligibility verification, preauthorization, and claims management. Pharmacy benefits are administered through Prime Therapeutics with coverage lists (BlueChoice Meds, NetResults, TraditionalRxList, ValueRxList, BluePride RxChoices) accessible via myPrime.com, Amazon Pharmacy home delivery, and AllianceRx Walgreens Prime specialty pharmacy. BCBSNE also partners with Pando PEO to deliver group health plans to small and mid-sized businesses through a professional employer organization model.
Differentiator
Problem solved
Functional benefit
Brands
- Nebraska HeartlandBlue: ACA health insurance plan offered through the individual market
- Armor Health Insurance
- PersonalBlue ICHRA Solution
- MedicareBlue
- MedicareBlueSM Rx (PDP)
- Blueprint Health
- Premier Select BlueChoice
- myNebraskaBlue
- Pando
Products and services
- Group Health Plans Health insurance plans for Nebraska employer groups ranging from small groups (2-150 employees) to large groups (151+ employees), offering medical and dental PPO coverage with deductible tiers from $1,000 to $5,000, including HSA-compatible HDHP options. Sold through brokers and direct senior sales executives.
- Individual & Family Health Plans Health insurance plans for Nebraska individuals and families not covered by employer-sponsored insurance, including ACA-compliant Nebraska HeartlandBlue plans, Armor Health Insurance, supplemental insurance, and travel medical coverage. Sold through individual market account executives and licensed sales agents.
- Medicare Plans Medicare coverage options for Nebraska beneficiaries including Medicare Advantage plans and Medicare Supplement (Medigap) insurance to cover costs not paid by Original Medicare. Sold through Medicare-certified sales agents.
- MedicareBlue Rx (PDP) Medicare Part D Prescription Drug Plan (PDP) offering optional outpatient prescription drug coverage for Medicare beneficiaries in Nebraska, marketed under the MedicareBlue Rx brand.
- Dental Plans (including DentalEssentials) Standalone dental insurance coverage available for Nebraska individuals, families, and employer groups, including preventive, basic, and major dental services. DentalEssentials is offered through BCBSNE licensed agents as an essential-coverage option.
- Vision Plans Vision insurance coverage for eye exams, glasses, and contact lenses, available for Nebraska individuals, families, and employer groups as standalone or add-on coverage.
- Supplemental Insurance Plans (including LifeSecure) Additional insurance coverage that pays benefits for specific events or conditions not fully covered by major medical plans, such as accident, critical illness, or hospital indemnity. LifeSecure is a lump-sum indemnity option sold through BCBSNE licensed agents.
- Travel Medical Insurance (GeoBlue) Coverage for medical expenses incurred while traveling abroad, sold through BCBSNE's individual plan agents via the GeoBlue brand partnership alongside Medicare, Individual Health, and Dental plans.
- PersonalBlue ICHRA Solution Individual Coverage Health Reimbursement Arrangement (ICHRA) solution that allows Nebraska employers to provide tax-free reimbursements for individual health insurance premiums to employees, leveraging BCBSNE individual plan options.
- Pando PEO Group Health Plans Group health plans offered through a Professional Employer Organization partnership with Pando, giving small and mid-sized Nebraska businesses access to BCBSNE-administered group coverage. Pando PPO plans available with deductibles from $1,000 to $5,000 and HSA-compatible options.
Quantifiable outcome
- Ranked #1 in member satisfaction among commercial health plans in the Heartland (J.D. Power 2024)
- +3 more outcomes
Companies that use Blue Cross and Blue Shield of Nebraska
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
Blue Cross and Blue Shield of Nebraska technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature5 records
Blue Cross and Blue Shield of Nebraska partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Detego HealthcoreWellGuard Assurance, a captive insurance organization within the VerraCare health care ecosystem, operates in partnership with Detego Health as third-party administrator. This partnership helps employers, particularly small and mid-sized organizations, gain greater control over health care costs through a captive insurance model.
- Prime TherapeuticscoreBCBSNE contracts with Prime Therapeutics to provide pharmacy benefit management services including drug formulary management, prior authorization review, and specialty pharmacy. Prime operates the GatewayPA.com provider portal for medical pharmacy prior authorizations.
- NantHealth (NaviNet)coreBCBSNE uses NantHealth's NaviNet provider portal as the primary web-based platform for providers to verify member eligibility, request authorizations, view claims and payments, access fee schedules, and submit appeals. NaviNet connects providers directly to BCBSNE's administrative systems.
- Pando (PEO)corePando PEO provides professional employer organization services and gives small business employees and their dependents access to group health plans from BCBSNE. Pando and BCBSNE work together to offer small employers access to comprehensive group health plans through the Pando platform.
- Blue Cross Blue Shield AssociationcoreBCBSNE is an independent licensee of the Blue Cross Blue Shield Association, which licenses the company to offer products and services under the Blue Cross and Blue Shield brand names within Nebraska. This includes access to national provider networks (BlueCard) and Blue Cross Blue Shield brand recognition.
- United Way of the MidlandsminorBCBSNE partners with United Way of the Midlands for employee volunteer programs and annual workplace giving campaigns. BCBSNE employees participate in volunteer activities throughout the year supporting UWM's mission.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Blue Cross and Blue Shield of Nebraska competitors and assessment
Company assessmentDirect peers
- Wellmark Blue Cross and Blue Shield: Wellmark is the BCBS licensee for Iowa and South Dakota — a directly comparable mid-sized single-state Blues plan with similar group, individual, and Medicare product mix. Closest peer in scale, geography (adjacent state), regulatory profile, and business model.
- Blue Cross and Blue Shield of Kansas: BCBS Kansas is a single-state Blues plan of comparable size serving a similar rural/agriculturally-tied population. Directly comparable in product mix, distribution model (broker + direct), and demographic exposure.
- Blue Cross and Blue Shield of Minnesota: BCBS Minnesota is another single-state Blues plan with a comparable group/individual/Medicare portfolio and similar broker-driven distribution. Slightly larger scale but very close in operating model and product breadth.
- Blue Cross and Blue Shield of Illinois (HCSC): Health Care Service Corporation (HCSC) operates BCBS plans in Illinois and other states, providing a directly comparable BCBS licensee model with similar group, individual, Medicare, and ancillary product offerings — though at significantly larger scale.
- Medica: Medica is a regional health plan serving the Midwest (Minnesota, Iowa, Nebraska, Kansas, Missouri, Wisconsin, North Dakota, South Dakota) with group, individual, Medicare, and Medicaid products. Comparable in regional scope, size, and product breadth.
Broad incumbents
- UnitedHealth Group: UnitedHealthcare (the insurance arm) is the largest national health insurer with broad group, individual, Medicare Advantage, and ancillary offerings. Operates in Nebraska as a major competitor; relevant for scale benchmarks and competitive dynamics.
- Humana: Humana is a major Medicare Advantage-focused national carrier with growing group presence. Highly relevant for BCBSNE's Medicare segment and for competitive comparison in MA and PDP.
- Elevance Health (Anthem): Elevance Health operates Anthem Blue Cross Blue Shield plans across multiple states and competes with BCBSNE in Nebraska for group and individual business. Broadly comparable product portfolio and brand-licensed positioning.
- Cigna Group: Cigna offers group and individual health insurance alongside its Evernorth PBM/services platform. Competes with BCBSNE in national accounts and large employer segments.
- CVS Health (Aetna): CVS Health owns Aetna, a major national health insurer with group, individual, Medicare, and Medicaid offerings. Competes with BCBSNE across multiple segments and integrates PBM/retail pharmacy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Blue Cross and Blue Shield of Nebraska social profiles
Digital presenceBlue Cross and Blue Shield of Nebraska compliance and trust
Trust signalCompliance5 records
Blue Cross and Blue Shield of Nebraska financial estimates
Financial estimateRevenue estimate
Valuation estimate
Blue Cross and Blue Shield of Nebraska leadership team
Management profileNumber of profiles
Blue Cross and Blue Shield of Nebraska funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Blue Cross and Blue Shield of Nebraska M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Blue Cross and Blue Shield of Nebraska
What does Blue Cross and Blue Shield of Nebraska do?
Blue Cross and Blue Shield of Nebraska sells health insurance products to Nebraska residents and employers, including medical, dental, vision, Medicare Advantage and Supplement, Medicare Part D prescription drug, and supplemental coverage. Products are distributed to employer groups (small, mid-size, large) as well as individuals, families, and Medicare beneficiaries through licensed sales agents, appointed insurance brokers, and online self-service channels, supported by digital member and provider portals.
Is Blue Cross and Blue Shield of Nebraska a public or private company?
Blue Cross and Blue Shield of Nebraska is a private company. It is classified as unknown and is currently operating.
When was Blue Cross and Blue Shield of Nebraska founded?
Blue Cross and Blue Shield of Nebraska was founded in 1945. It employs 1,001 to 5,000 people.
Where is Blue Cross and Blue Shield of Nebraska based?
Blue Cross and Blue Shield of Nebraska is headquartered in Omaha, United States, in the North America region.
How does Blue Cross and Blue Shield of Nebraska make money?
Four revenue lines are on record. Health Insurance Premiums are the primary driver. The others are dental and Vision Insurance Premiums, supplemental and Travel Insurance and government Health Program Administration.
Who are Blue Cross and Blue Shield of Nebraska's main competitors?
Direct peers on record are Wellmark Blue Cross and Blue Shield, Blue Cross and Blue Shield of Kansas, Blue Cross and Blue Shield of Minnesota, Blue Cross and Blue Shield of Illinois (HCSC) and Medica. Broad incumbents are UnitedHealth Group, Humana, Elevance Health (Anthem), Cigna Group and CVS Health (Aetna).
Does Blue Cross and Blue Shield of Nebraska have an API?
No public API is recorded for Blue Cross and Blue Shield of Nebraska.
What industry is Blue Cross and Blue Shield of Nebraska in?
Blue Cross and Blue Shield of Nebraska's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAA, ACA Marketplace (On-Exchange) Individual Plans, with a secondary code of FSAIAEAE, Individual Dental Insurance. Its NAICS code is 524114 and its SIC code is 6411.