GigCare – BCBSNE 2026

Before reading about BCBSNE plans, it’s important to note the states the network is available in:

States Available

AK, AL, AR, AZ, CO, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, RI, SC, SD, TN, TX, UT, VA, WV, WY

States Not Available

CA, CT, HI, MD, MN, NH, OR, PA, VT, WA, WI

Plan Options

Population Science Management – Plan Options

Reference-Based Pricing (RBP) is a cost-saving approach to healthcare. Instead of paying the full billed charges from a provider, RBP bases payments on a set percentage above Medicare rates. By using this method, RBP offers a more predictable and often more affordable alternative to traditional insurance pricing, helping you and your employer manage healthcare costs while still receiving quality care.

Limited Medical Plans help cover everyday healthcare costs like doctor visits and prescriptions. They cost less than full coverage plans but also cover less. These plans use Reference-Based Pricing (RBP), which means provider payments are based on Medicare rates to help keep costs lower.

GigCare – PPO & EPO Plans

A Preferred Provider Organization (PPO) Plan gives you flexibility when choosing healthcare providers. You’ll save money by using in-network doctors and facilities, but you can also choose to see out-of-network providers; just expect to pay more out of pocket for those services.

An Exclusive Provider Organization (EPO) Plan offers coverage only within a specific network of providers. You must use in-network doctors and facilities for your care to be covered (except in emergencies). This structure helps keep monthly contributions and out-of-pocket costs lower, making EPOs a cost-effective choice for many people.

Choosing Between PPO, EPO, & RBP Plans

The right plan for you depends on your personal healthcare needs, provider preferences, and budget. Here are a few key factors to consider when deciding between RBP, PPO, and EPO options:

Flexibility with Providers:

• PPO plans offer the most flexibility, allowing both in- and out-of-network care.
• EPO plans require you to stay within a specific network (except in emergencies).
• RBP plans don’t rely on a traditional network. Providers are paid based on a set rate tied to Medicare pricing.

Monthly Cost:

• PPO plans often have higher monthly contributions due to greater provider flexibility.
• EPO and RBP plans typically have lower monthly contributions.

Out-of-Pocket Costs:

• PPO plans may cost more out of pocket when you go out-of-network.
• EPO plans can help keep out-of-pocket expenses lower if you stay in network.
• RBP plans can result in lower overall costs but may require additional support navigating provider billing.

Comfort with Navigating Care:

• PPO and EPO plans offer more traditional, network-based experiences.
• RBP members may need help navigating provider relationships or resolving balance bills, but support is available.

GigCare BCBSNE Care Overview

BlueCross BlueShield

Worldwide health insurance solutions and services that provide peace of mind to employers, non-profits, universities, and individuals – ensuring memebrs get access to the care they need, when they need it.

Provides Access To:

• Hospitals and Clinics across the U.S
• Primary and Specialty care providers
• Heart, cancer, and trauma centers
• Children’s care
• Behavioral Health Network

TeleMedicine

• 24/7 Access to Primary, Urgent, and Mental Health Care
• Connect with Board-Certified Physicians, anytime, anywhere in the U.S.
• No Claims or Copay
• Care Coordination
• Exclusive Doctors

Primary Care

• Same Day Appointments
  • Access a virtual primary care appointment the same day you request it
  • Or schedule when it works best for you
• Same Provider Each Visit
  • See the same provider each visit so they better understand your needs
  • Allows for more personalized care
• Annual Wellness Check
  • Helps you get on a better health trajectory
  • Includes a personalized care plan
  • Learn more about your overall health

Urgent Care

• Instant Access to Care
  • Virtual urgent care visits available in as little as 20 minutes
  • You can also schedule appointments when it works best for you
• In-House Providers
  • See the same provider each visit for continuity
  • Providers can better understand your needs and give personalized care

Mental Health Therapy

• Annual Visits
  • Includes four mental health visits annually for each family member
  • Available to adults and adolescents ages 12+
• Convenient Scheduling
  • Easy access to a licensed Master’s-level counselor within 1–3 days
  • In-person care referrals available when needed
• Same Therapist Each Visit
  • Meet with the same therapist every time for consistent support
  • Counselors are trained in clinical assessments and care coordination

Pharmacy Benefits

Lower Your Bills

• Negotiation service to reduce your mobile, cable, internet, and other provider bills
• If savings are achieved, the savings are split 50/50

Get Paid to Exercise

• Earn money for improving your health and fitness
• Earn up to $10 each day
• Every time you cash out your $10, Living 2.0 donates 5 meals to Feeding America

Student Loan Debt Relief

• One-time fee to work with specialists who help reduce student loans by up to 40%
• Average monthly savings exceed $340

Cashback Mall

• REAL cash back on online purchases at 1,400+ stores
• Access exclusive discounts, daily deals, specials, and coupons

Save + Give

• Earn cash back on in-store or online purchases
• Option to donate a percentage to charity

Travel, Entertainment & Dining Discounts

• Guaranteed lowest prices for hotels and resorts
• Discounts available for entertainment and dining

Shop Now, Pay Later

• Shop millions of products and pay over time
• Interest-free payment options
• Up to $2,500 in available credit

0% Pay Day Loan

• Access up to $100 per day at 0% interest
• Includes instant overdraft protection
• Cashback at hundreds of retailers and restaurants
• Includes a medical bill negotiation service

Relationship Health

• Access tools to repair, strengthen, or grow a marriage or committed relationship

Identity Theft

• Monitor, alert, and defend credit information for your whole household

Plan Comparison

Below you will find available plans as well as a plan comparison table so you can look at each plan side by side.

Pricing Information

Benefit	PSM THRIVE $1500 PPO 2026	PSM THRIVE $2500 PPO 2026	PSM THRIVE $5000 EPO 2026	PSM THRIVE $7350 EPO 2026	PSM THRIVE $5000 HDHP (HSA/PPO) 2026
In-Network Deductible (Ind / Fam)	$1,500 / $3,000	$2,500 / $5,000	$5,000 / $10,000	$7,350 / $14,700	$5,000 / $10,000
Out-of-Network Deductible (Ind / Fam)	$3,000 / $6,000	$5,000 / $10,000	N/A	N/A	$10,000 / $20,000
In-Network Out-of-Pocket Max (Ind / Fam)	$8,500 / $17,000	$8,500 / $17,000	$7,350 / $14,700	$9,200 / $18,400	$8,500 / $17,000
Out-of-Network Out-of-Pocket Max (Ind / Fam)	$20,000 / $40,000	$20,000 / $40,000	N/A	N/A	$20,000 / $40,000
In-Network Primary Office Visit	$25 per visit	$25 per visit	$25 per visit	$25 per visit	Deductible & coinsurance
In-Network Specialty Visit	$40 per visit	$40 per visit	$40 per visit	$40 per visit	Deductible & coinsurance
In-Network Urgent Care	$60 per visit	$60 per visit	$75 per visit	$100 per visit	Deductible & coinsurance
Telemedicine (plan provider)	$0	$0	$0	$0	$0
Specialty Medications	Not covered	Not covered	Not covered	Not covered	Not covered
Summary of Benefits (PDF)	Download Here	Download Here	Download Here	Download Here	Download Here
Age 30 – 44 Pricing*	EE: $910.77 EC: $1,537.02 ES: $1,691.03 EF: $2,476.83	EE: $849.32 EC: $1,426.42 ES: $1,568.14 EF: $2,292.50	EE: $714.35 EC: $1,183.82 ES: $1,298.64 EF: $1,888.46	EE: $619.45 EC: $1,013.00 ES: $1,108.83 EF: $1,603.75	EE: $651.07 EC: $1,069.05 ES: $1,170.99 EF: $1,696.44
Age 45 – 54 Pricing*	EE: $955.39 EC: $1,617.68 ES: $1,780.70 EF: $2,611.55	EE: $890.36 EC: $1,500.63 ES: $1,650.65 EF: $2,416.48	EE: $742.02 EC: $1,233.63 ES: $1,353.98 EF: $1,971.47	EE: $642.57 EC: $1,054.61 ES: $1,155.07 EF: $1,673.11	EE: $675.66 EC: $1,113.30 ES: $1,220.16 EF: $1,770.19
Age 55 – 64 Pricing*	EE: $1,068.28 EC: $1,820.89 ES: $2,006.49 EF: $2,950.24	EE: $994.28 EC: $1,687.68 ES: $1,858.48 EF: $2,728.23	EE: $798.85 EC: $1,335.91 ES: $1,467.63 EF: $2,141.95	EE: $690.04 EC: $1,140.06 ES: $1,250.02 EF: $1,815.53	EE: $726.14 EC: $1,204.17 ES: $1,321.12 EF: $1,921.64
Age 65+	Not Available	Not Available	Not Available	Not Available	Not Available

Pricing is calculated per month

EE = Employee || EC = Employee + Children || ES = Employee + Spouse || EF = Employee Family (Spouse + Children)