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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 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 |
| 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?
Get connected with our health insurance experts to help answer your questions.