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Individual Health Insurance Plans
Finding the right individual or family health insurance plan can be complicated, but it doesn’t have to be. We have a suite of plans designed to meet a variety of needs and budgets. With a Blue Cross and Blue Shield of Nebraska Plan, you can feel confident knowing you have access to the providers you trust, coverage for the care you need and support from a team that’s right here in Nebraska.
Which plan is right for me?
Nebraska HeartlandBlue |
Armor Health |
|
|---|---|---|
| Coverage/Eligibility | ||
| Enrollment | Enroll during the annual Open Enrollment Period or anytime throughout the year with a qualifying event | Enroll any time of the year |
| Coverage Period | Policy automatically renews annually | Three years, minus one day with underwriting every 12 months to determine eligibility and premium rates.1 |
| Eligible for Premium Assistance | Yes | No |
| Medical Underwriting (The process used by insurance companies to review your demographic information and medical history to determine eligibility for coverage and premium amount.) |
No |
Yes |
| Medical Benefits | ||
| Preexisting Conditions | Yes | Yes, after a 12-month waiting period |
| Preventive Services | Yes, covered at 100% | Yes, covered at 100% |
| Out-of-Network Coverage | Emergency care services only | Yes |
| Coverage for Services Received Outside Nebraska | Emergency and urgent care services only | Yes |
| Pregnancy/Maternity | Yes | No |
| Inpatient Hospital | Yes | Yes |
| Physician Office Visit | Yes | Yes |
| Telehealth Services | Yes | Yes |
| Mental Illness and/or Substance Abuse Services | Yes | Outpatient only |
| Lifetime Maximum | Unlimited | $1,000,000 |
| Prescription Drug Coverage | ||
| Generic | Yes | Yes |
| Preferred Brand | Yes | Yes, member pays 100% of the BCBSNE discounted rate and these amounts do not apply to the out-of-pocket maximum |
| Non-preferred Brand | Yes | |
| Specialty | Yes | |
| Other | ||
| Online Tools and Resources | Yes | Yes |
| Access to Discount Programs | Yes | Yes |
| Wellness Incentive Program | Yes | No |
| Learn more about Nebraska HeartlandBlue | Learn more about Armor Health |
Nebraska HeartlandBlue
| Enrollment | Enroll during the annual Open Enrollment Period or anytime throughout the year with a qualifying event |
| Coverage Period | Policy automatically renews annually |
| Eligible for Premium Assistance | Yes |
| Medical Underwriting (The process used by insurance companies to review your demographic information and medical history to determine eligibility for coverage and premium amount.) |
No |
| Preexisting Conditions | Yes |
| Preventive Services | Yes, covered at 100% |
| Out-of-Network Coverage | Emergency care services only |
| Coverage for Services Received Outside Nebraska | Emergency care services only |
| Pregnancy/Maternity | Yes |
| Inpatient Hospital | Yes |
| Physician Office Visit | Yes |
| Telehealth Services | Yes |
| Mental Illness and/or Substance Abuse Services | Yes |
| Lifetime Maximum | Unlimited |
| Generic | Yes |
| Preferred Brand | Yes |
| Non-preferred Brand | Yes |
| Specialty | Yes |
| Online Tools and Resources | Yes |
| Access to Discount Programs | Yes |
Armor Health
| Enrollment | Enroll any time of the year |
| Coverage Period | Re-enrollment is required each plan year |
| Eligible for Premium Assistance | No |
| Medical Underwriting (The process used by insurance companies to review your demographic information and medical history to determine eligibility for coverage and premium amount.) |
Yes |
| Preexisting Conditions | Yes, after a 12-month waiting period |
| Preventive Services | Yes, covered at 100% |
| Out-of-Network Coverage | Yes |
| Coverage for Services Received Outside Nebraska | Yes |
| Pregnancy/Maternity | No |
| Inpatient Hospital | Yes |
| Physician Office Visit | Yes |
| Telehealth Services | Yes |
| Mental Illness and/or Substance Abuse Services | Outpatient only |
| Lifetime Maximum | $1,000,000 |
| Generic | Yes |
| Preferred Brand | Yes, member pays 100% of the BCBSNE discounted rate and these amounts do not apply to the out-of-pocket maximum |
| Non-preferred Brand | |
| Specialty |
| Online Tools and Resources | Yes |
| Access to Discount Programs | Yes |
1The Contract will be renewed each month when you pay your premium for a period of up to one day less than 36 months (11:59 p.m.), subject to medical underwriting and eligibility guidelines every 12 months.
Want to learn more about how to shop for individual health insurance? Download our shopping guide.
Have Questions?
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