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

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.

Learn more about Nebraska HeartlandBlue
Learn more about Armor Health

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 Re-enrollment is required each plan year
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

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