Individual and Family Health Plans
Nebraska HeartlandBlue
We’re proud to be able to offer ACA-compliant health plans. Our health plans are available across the state of Nebraska and offer a variety of coverage options.
Chat with an agent to learn about what Nebraska HeartlandBlue plans have to offer by calling 844-665-1121.
Ready to apply? Enroll now or work with one of our licensed sales agents.
Enroll Now
Only enrollments for Jan. 1, 2023, effective dates and after will be accepted
Compare Plans
The Affordable Care Act (ACA) made it easy to compare health insurance plans. All ACA plans are grouped into categories, often called “metallic levels,” based on how costs are split between you and your insurance provider. We offer plans in the Bronze, Silver, Gold and Standard categories.
Bronze
Offers the lowest premium costs - but has higher out-of-pocket costs.
Silver
Higher premium costs than Bronze plans - but lower out-of-pocket costs.
Gold
Offers the lowest out-of-pocket costs - but has the highest premium costs.
Standard Plans
Standard plans offer a uniform cost-sharing structure across all metallic levels. This allows you to easily compare plans across carriers and shop for coverage. CMS guidelines require all participating carriers to offer standard plans among their 2023 plan offerings.
Network Options
NEtwork BLUE HB
NEtwork BLUE HB is made up of 98% of Nebraska’s doctors and non-governmental acute care hospitals.*
- Antelope
- Arthur
- Banner
- Blaine
- Boone
- Box Butte
- Boyd
- Brown
- Butler
- Cedar
- Chase
- Cherry
- Cheyenne
- Clay
- Colfax
- Cuming
- Custer
- Dakota
- Dawes
- Dawson
- Deuel
- Dixon
- Dundy
- Franklin
- Frontier
- Furnas
- Garden
- Garfield
- Gosper
- Grant
- Greeley
- Hamilton
- Harlan
- Hayes
- Hitchcock
- Holt
- Hooker
- Howard
- Keith
- Keya Paha
- Kimball
- Lincoln
- Logan
- Loup
- Madison
- McPherson
- Merrick
- Morrill
- Nance
- Nuckolls
- Perkins
- Pierce
- Platte
- Polk
- Red Willow
- Rock
- Scotts Bluff
- Sheridan
- Sherman
- Sioux
- Stanton
- Thomas
- Valley
- Wayne
- Webster
- Wheeler
See if your providers are in network with NEtwork BLUE HB.
*According to BCBSNE statistics, March 15, 2022.
Premier Select BlueChoice HB
Our Premier Select BlueChoice HB network features Nebraska Methodist Hospital System and Nebraska Medicine. Key hospitals and health care providers in the Premier Select BlueChoice HB network include:
- Nebraska Methodist Hospital System
- Nebraska Medicine
- Children’s Hospital & Medical Center
All other providers are out of network.
- Burt
- Cass
- Dodge
- Douglas
- Fillmore
- Johnson
- Lancaster
- Nemaha
- Sarpy
- Saunders
- Thurston
- Washington
See if your providers are in network with Premier Select BlueChoice HB.
Blueprint Health HB
Our Blueprint Health HB network features CHI Health. Key hospitals and health care providers in the Blueprint Health HB network include:
- CHI Health
- Creighton University System
- Nebraska Spine Hospital LLC
- Boys Town National Research Hospital
- Children's Hospital & Medical Center
All other providers are out of network.
- Burt
- Cass
- Dodge
- Douglas
- Fillmore
- Hall
- Johnson
- Kearney
- Lancaster
- Nemaha
- Sarpy
- Saunders
- Thurston
- Washington
See if your providers are in network with Blueprint Health HB.
Traveling outside of Nebraska?
Services received from health care providers outside the state of Nebraska are not covered except for emergency services. If you’re traveling outside of Nebraska, you still have access to your plan’s telehealth benefits.
BCBSNE offers telehealth services through Amwell, so you can access a nationwide network of U.S. board-certified physicians, available for live visits on your computer or mobile device, whenever you need them. Telehealth visits often cost less than an emergency room, urgent care or even in-office doctor visits. Visit NebraskaBlue.com/Telehealth for more information.
Prescription Drug Coverage
We offer prescription drug coverage through our Rx Nebraska Prescription Drug Program with our pharmacy benefit manager, Prime Therapeutics, Inc.
Pharmacy Networks
You will pay less out of pocket on prescriptions filled with in-network pharmacies. You may also use our home delivery services. Nebraska HeartlandBlue plans use Network J.
Pharmacy Network J
In-Network ($)
- Walgreens
- Walmart/Sam's Club
- Hy-Vee
- Baker's
- U-Save
- Super Saver
Out-of-Network* ($$)
- Costco
- CVS
- Target
*Not covered
This a partial list and is subject to change at any time without notice. For a complete list visit NebraskaBlue.com/Pharmacy.
Prescription Drug Tiers (Formulary)
Prescription drugs are divided into tiers. The cost for each 30-day supply of a covered prescription drug depends on the tier in which the medication is listed. Nebraska HeartlandBlue Standard plans offer four prescription drug tiers.
TIER 1
GENERIC
Commonly prescribed generic drugs.
TIER 2
PREFERRED BRAND
TIER 3
NON-PREFERRED BRAND
TIER 4
SPECIALTY
All other plans offer 6 prescription drug tiers.
TIER 1
PREFERRED GENERIC
Commonly prescribed generic drugs.
TIER 2
NON-PREFERRED GENERIC
TIER 3
PREFERRED BRAND
TIER 4
NON-PREFERRED BRAND
TIER 5
PREFERRED SPECIALTY
TIER 6
NON-PREFERRED SPECIALTY
Retail Pharmacies
Members should take their prescriptions 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.
Home Delivery Service
Home delivery is a convenient way to get your medicines delivered right to your door. You can fill your prescriptions online and save time and money. Learn more at NebraskaBlue.com/Pharmacy.
Prescription Coverage Benefits
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.
Convenience
With many in-network pharmacies to choose from, members can fill prescriptions close to home or work.
Time Savings
Members may have up to a 90-day supply of maintenance medications supply delivered directly to them through Express Scripts® Pharmacy.
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 myNebraskaBlue.com.
Member Benefits
Online Tools
Access your online member account to find in-network doctors, view claims and track your health care spending.
Cost Estimators
Estimate costs for a variety of services including hospital stays, surgeries, office visits and more.
Discount Programs
With Blue365, you have access to exclusive discounts and savings so it’s easier and more affordable to make healthy choices.
Care management
You have access to a team of health care professionals who can help maximize your benefits and get the right care, at the right time, in the right place.Interoperability - Member Claims Access
Interoperability is a federal rule from the Centers for Medicare & Medicaid Services (CMS), designed to give greater access and transparency across healthcare systems. Blue Cross and Blue Shield of Nebraska (BCBSNE) HeartlandBlue members who would like electronic access to their medical records, such as claims information, can download one of two applications, One Record or Care Evolution. Want more information? Download our FAQs.
Download One Record
Download Care Evolution
Frequently Asked Questions
We offer a selection of plans both on- and off-exchange in the gold, silver, bronze and standard categories.
Plans may be purchased during the Open Enrollment Period (OEP) that runs from Nov. 1 through Dec. 15. Or during a Special Enrollment Period (SEP) based on qualifying life events, for any plans that are effective Jan. 1, 2023, or later.
Yes, all Nebraskans will have access to purchase an individual ACA plan from BCBSNE. The network options will vary depending on the county you live in based on the providers available in that area.
If you are currently on an Armor Health policy, you may apply for an ACA plan during the Open Enrollment Period (OEP). Contact your agent or one of our consumer sales reps for more information during OEP.
When applying for a plan, you can enter your financial information to see if you qualify for an Advanced Premium Tax Credit or a Cost Sharing Reduction plan. Learn more about cost-saving options.
Health insurance issuers offering individual health insurance coverage or short-term limited duration plans in the individual market must let individuals know about direct and indirect compensation provided to the agent or broker. The broker’s compensation is paid by the insurance carrier. Monthly premium is the same whether or not individuals use a broker. View 2023 information here.
For a complete listing of all Nebraska HeartlandBlue plans, please refer to the Nebraska HeartlandBlue Options at a Glance. Please note that CSR plans are only available for those who qualify. Please call one of our licensed sales agents at 844-665-1121 for more information.