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.
Beginning Aug. 1, 2024 Armor Health policies are no longer being sold.
If you are looking for individual coverage, Nebraska HeartlandBlue may be a good fit for you.
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If you are a current Armor Health member, you may still add a dependent (spouse or dependent children) to your policy for the remainder of your 12 or 36-month contract to the end of their contract period, pending eligibility and underwriting guidelines.
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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.
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
Doctor and Hospital Network Options
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
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.
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.