Parents and daughter walking outside in the fall with their dog.
Parents and daughter walking outside in the fall with their dog.

Individual and Family Health Plans

Armor Health Insurance

Armor Health insurance plans are a flexible and budget-friendly alternative to traditional Affordable Care Act (ACA) plans.

Work with an agent

Beginning Jan. 1, 2024, Armor Health will transition to offer enhanced tri-term policies. 

A tri-term medical policy is a short-term, limited-duration plan, sometimes called a temporary health plan. These plans last for three consecutive terms, lasting for three years, minus one day.

Tri-Term Armor Health Graphic

Unlike other short-term plans, Armor Health is an enhanced tri-term plan, meaning it covers more than traditional short-term plans.

With Armor Health, you get:
  • Low in-network deductibles 
  • In-network preventive care covered at 100% 
  • Child-only coverage 
  • Telehealth coverage 
  • Preferred generic drugs at no cost 
  • Access to a nationwide network of doctors and hospitals
  • Coverage for pre-existing conditions after satisfaction of a 12-month waiting period1
  • Experienced, local customer service
  • And more
Armor Health is a great option if you need:
  • Flexibility, offering one month of coverage or more (up to 36 months)
  • Affordability
  • Individual coverage for employees
  • An alternative to COBRA coverage
Current Armor Health members

All current Armor Health members who meet eligibility guidelines will receive an offer to extend their coverage to a new tri-term plan. This new plan is subject to underwriting every 12 months beginning Jan. 1, 2024. If you choose to stay on your current 12-month contract, the contract will not renew at the end of the contract period and your coverage will end.

Mom and two kids looking at hot air balloons.
Armor Health Option 1

$2,500 Individual
$5,000 Family

This option includes higher premium costs than Option 2 or 3 but offers the lowest out-of-pocket costs. 
Armor Health Option 2

$5,000 Individual
$10,000 Family

Premium costs for this option are lower than Option 1 with slightly higher out-of-pocket costs.
Armor Health Option 3

$7,500 Individual
$15,000 Family

This option has the lowest premium costs, but out-of-pocket costs will be higher when you receive care. 

Doctor and Hospital Network Options

Armor Health gives you access to our broad, statewide network. 
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

Tools and Resources

BCBSNE gives members access to a variety of resources that can help them better manage their health expenses. With the rising cost of health care, we understand that consumers are looking for ways to save without jeopardizing quality of care.
Desktop Icon

Online Tools

Access our online member resource center to find in-network doctors, track medical bills and health care spending. 

Log in to myNebraskaBlue

Calculator icon

Estimate Costs

Get estimated costs for hospital stays, MRIs, office visits, surgeries, vaccines, X-rays and more.

Estimate costs

Dollar Coin icon

Discount Programs

Get exclusive discounts and savings that make it easier and more affordable to make healthy choices with Blue365.

Sign up for Blue365

Prescription Drug Coverage

BCBSNE members will pay less out of pocket on prescriptions filled with in-network pharmacies. Members may also use Amazon Home Delivery 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
  • Baker's
  • U-Save
  • Super Saver
  • Costco

Out-of-Network ($$)

  • CVS/Target

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.

Tier 1 - Generic Drugs

Commonly prescribed generic drugs.

Pharmacy Tier 2 Non-Preferred Generic
Higher-priced generic drugs that cost a little more than tier 1.
Pharmacy Tier 3 Preferred Brand
Brand name drugs that do not have a generic equivalent.
Pharmacy Tier 4 Non-Preferred Brand
Higher-priced brand name drugs. Often have a generic equivalent.
Pharmacy Tier 5 Preferred Specialty
Lower-cost specialty drugs. Used to treat complex conditions like cancer.
Pharmacy Tier 6 Non-Preferred Specialty
The most expensive drugs on the drug list which can be generic or brand name.
Lowest Cost to Highest Cost
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.

Prescription Coverage Benefits

Receipt icon

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.

Store icon


With many in-network pharmacies to choose from, you can fill prescriptions close to home or work.
speed fast

Time Savings

You may have up to a 90-day supply of maintenance medications delivered directly to you.

Reading icon

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

 Amazon Pharmacy does not dispense controlled substances. Amazon Pharmacy is an independent company that provides pharmacy home delivery services for Blue Cross and Blue Shield of Nebraska.