Health plans built around choice, local care — and your team.
Your team's not just covered, they're cared for
We know the importance of keeping your team well and happy — and your business productive and profitable. That’s why we offer the most cost-effective and comprehensive employer-sponsored health plans in the region.
Helping employees and businesses thrive
50+ years
We’re not new to the commercial health insurance industry. For more than five decades we’ve been providing high-quality health care coverage and cost-free resources to businesses of all sizes.
Local
We’re not a national corporation. We’re a local company collaborating closely with the doctors, hospitals, and health care providers you know and trust to deliver care when you need it.
Nonprofit
We don't work to make money for investors or shareholders. We work to better your life with affordable coverage and reliable care in the moments that matter.
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Request plan details from your local rep today.
Complete care, coverage, and support that's close by
Get affordable coverage and quality care from preferred local providers, Nebraska Health Network and Bryan Health.
- Controls costs as an Accountable Care Organization (ACO)
- Members can see any network provider without a referral
Access an integrated network of hospitals, clinics, and doctors across Nebraska and southwest Iowa — no referrals required.
- Controls costs as an accountable care organization (ACO)
- Members can see any network provider without a referral
Gain the flexibility and freedom to see any provider at anytime, anywhere — including direct access to specialists.
- Open access national network
- Nationwide benefits with dedicated call center
Frequently asked questions
An Accountable Care Organization (ACO) is a group of providers — clinics, hospitals, doctors, and specialists — who partner to offer an elevated health care experience. ACO networks offer many advantages:
- Lower costs: ACO members save up to 20% compared to open-access (national network) plans
- Higher quality: ACOs focus on prevention and efficiency for more comprehensive care
- More satisfaction: 97% of members renew into an ACO product*
- Better health: ACO members have fewer ER visits, less hospital readmissions, and more affordable drug options
*Results based on 2023 enrollment.
ACO providers own the costs of their services. When they treat a patient efficiently, and costs are lower than expected, they get to share in the savings. This value-based care model is a win-win for doctors and patients — and leads to better care at a lower cost.
ACOs focus on value-based care: An approach that centers on quality, efficiency, and the patient experience. Doctors work together to manage a patient’s overall health and unique personal goals.
The “value” refers to whatever each patient wants most from the visit. It could be as simple as combining appointments — so a patient only makes one trip to a clinic.
There’s incentives, too. Doctors and clinics are paid based on how well they treat patients — not just for providing care. Doctors get financial rewards when they meet patient goals safely and effectively.
This model motivates doctors to give the best possible care. Because their payment depends on the patient’s outcome.