GigCare Thrive · Blue Cross Blue Shield of Nebraska

GigCare Thrive $5,000 EPO

EPO

Full major medical on the BCBS network — the flagship option for Nebraskans.

Start enrollment Talk to a licensed rep View official plan page

Published monthly rates

Rate calculated at enrollment

This plan's rates are computed from your date of birth on the enrollment page — it takes about a minute and doesn't require an account. Rates are set by age band and by who you cover.

What you pay for care

Deductible (in-network)$5,000 / $10,000 family

Out-of-pocket max$7,350 / $14,700 family

Coinsurance (your share)30%

Doctor office visit$25

Specialist visit$40

Urgent care$75

Emergency roomDeductible + coinsurance (paid at in-network level even out-of-network)

Telehealth$0 — same-day virtual visits included

Preventive careCovered 100%

Prescription coverage

Pharmacy through Prime Therapeutics. Generics: 25% coinsurance ($10 minimum at retail). Preferred brands: 25% ($45 minimum on PPO plans, $105 on EPO plans). Non-preferred brands aren't covered on EPO plans. Diabetic insulin: $10 generic / $35 preferred brand. Specialty medications are not covered. The HSA plan has no copays — prescriptions run through the deductible.

Worth knowing

Dependent-daughter maternity not covered

All plans require joining the Working Owners group: a 2-minute health survey each month that pays you $10/month.

These are self-funded association group plans, not ACA marketplace coverage. Eligibility depends on a short health questionnaire. Specialty medications are excluded on all plans. Rates shown exclude membership and admin fees, which are disclosed at enrollment.