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

Offering 12 months of coverage, Armor Health is a great option for people who:
  • Aren’t receiving a subsidy on an ACA plan
  • Are looking for affordable major medical coverage
  • Are looking for an alternative to COBRA
  • Are a small business owner looking for coverage for four employees or less
  • Temporarily unemployed
Current Armor Health members

You can now accept your re-enrollment offer through your myNebraskaBlue account. If you've received your re-enrollment notification, learn more about how to review your options and accept your offer. 

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Armor Health Option 1

$2,500 Individual
$5,000 Family

This policy 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. 

Network Options

Understand provider networks and service areas
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. Jan. 23, 2023

Member Benefits

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.
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Online Tools

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

Log in to myNebraskaBlue

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Estimate Costs

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

Estimate costs

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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

Prescription drug coverage is available to BCBSNE members through our Rx Nebraska Prescription Drug Program with our pharmacy benefit manager, Prime Therapeutics, Inc.


BCBSNE members will pay less out of pocket on prescriptions filled with in-network pharmacies. Members may also use Express Scripts® 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
  • Think
  • 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.

Home Delivery Service

If BCBSNE members use Express Scripts® Pharmacy, they may order a 90-day supply of maintenance medication by paying the applicable copay amount for each 30-day supply.

Prescription Coverage Benefits

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Cost Savings

Members pay less when they choose generic medications from our drug list. Members should talk to their doctor about what is right for them.

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

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Time Savings

Members may have up to a 90-day supply of maintenance medications supply delivered directly to them through Express Scripts® Pharmacy.

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Online Resources

Members may search the drug list, find a pharmacy, view their claims and estimate the cost of medications 24/7 by logging in to

Prime Therapeutics is an independent company providing pharmacy benefit management services for Blue Cross and Blue Shield of Nebraska (BCBSNE), an independent licensee of the Blue Cross Blue Shield Association. Accredo, a trademark of Express Scripts Strategic Development, Inc., is a specialty pharmacy contracted to provide services for BCBSNE. Express Scripts® Pharmacy, a trademark of Express Scripts Strategic Development, Inc., is contracted to provide home delivery services for BCBSNE.