Individual and Family Health Plans
Nebraska HeartlandBlue
Affordable health coverage from a name you trust.
ACA-compliant plans with statewide provider access and support built for Nebraskans.
Ready to enroll?
Open Enrollment happens every year from November 1 to December 15.
This is the time when you can sign up for health coverage or make changes to your current plan — no special reason needed.
If something big happens in your life, like losing coverage, moving, getting married, having a baby, or adopting a child, you may qualify for a Special Enrollment Period. That means you can get coverage outside of Open Enrollment.
No matter when you enroll, you can work with one of our health insurance experts or sign up on your own.
Already a member?
Make your first payment or manage your account using the tools below.
Create or log into your member account to manage your plan and set up premium payments.
myNebraskaBlue
Or use the link below to make your first payment if you haven't received your member ID number.
Pay now
Access programs, services and other resources to get the most out of your health care coverage.
Learn more
Get started
Getting health insurance doesn’t have to be complicated. Let us show you how. Follow these simple steps to find the best plan for you and your family.
Understand plan types and what they cover
All Nebraska HeartlandBlue plans meet the rules of the Affordable Care Act (ACA). That means they include important benefits like pediatric dental and vision care, and they follow limits on how much you pay out of pocket.
These plans are available in every county in Nebraska, both through the government’s health insurance website. HealthCare.gov, and directly from us. You can also get a child-only plan if needed.
ACA plans are grouped into three types: Bronze, Silver and Gold. These levels show how you and your insurance share the costs of care.
Bronze plans
Great for lower premiums and protection from big medical bills
Silver plans
Balanced plans with moderate costs and more coverage
Gold plans
More coverage, higher monthly cost - great if you use care often
Standard plans
Standard plans make it easier to compare coverage. They follow the same rules for how costs are shared between you and the insurance company, no matter which plan level you choose. Government rules say all insurance companies must offer these standard plans.
Explore member benefits
Prescription coverage that works for you
All Nebraska HeartlandBlue plans include prescription drug coverage - from generics to brand-name medications. You'll have access to pharmacies across Nebraska, plus mail-order options for added convenience.
Each Nebraska HeartlandBlue plan includes a list of covered medications, also called a prescription drug list (PDL). The PDL for our Standard plans is ValueRxList. All other plans offer TraditionalRxList.
See if your prescriptions are covered
Care on your schedule
Nebraska HeartlandBlue plans include 24/7 telehealth for everyday needs like colds, allergies and minor health concerns. Connect with a doctor by phone, video or app - any time, anywhere.
Wellness and preventive care
From annual checkups to screenings and vaccines, preventive care is covered at no extra cost on most plans. Every Nebraska HeartlandBlue plan also includes a well-being rewards program to help you stay healthy year-round.
Review your provider network options
What area are you living in?
Click on the area you live in to find out more about the provider networks offered in your area.
Get help paying for coverage
Don’t let the cost of health insurance stop you from getting coverage for your family. Many people can get help paying for their plan through a tax credit or other savings.
Tax credit to lower monthly costs
You may qualify for a tax credit called the Advanced Premium Tax Credit (APTC). It helps lower your monthly payment when you buy a plan through the government’s health insurance website. The amount you get depends on your household income and is figured out when you apply.
Extra savings on medical costs
You might also qualify for extra savings called a Cost-Sharing Reduction (CSR). This helps lower what you pay when you go to the doctor or get other medical care.
These extra savings are only available with Silver plans. How much you save depends on your income. You could pay less for:
- Deductibles
- Copays and coinsurance
- Your yearly out-of-pocket maximum
If you’re American Indian or Alaska Native, you may get even more benefits.
Get covered with Nebraska HeartlandBlue
Member tools and resources
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.
Well-being rewards program
Get rewarded for making healthy choices. Our wellness program provides tools and motivation to help you make healthy choices and forge your path to well-being.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. BCBSNE HeartlandBlue members who would like electronic access to their medical records, such as claims information, can download the application Care Evolution.
Download Care Evolution
- If you’re a developer and want to learn more about HL7® Fast Healthcare Interoperability Resources (FHIR®) Release 4.0.1. OR The software components and configurations an application must use in order to successfully interact with the API, visit Supported FHIR Resources.
- If you want to learn more about OpenID Connect Core 1.0, incorporating errata set 1. OR All applicable technical requirements and attributes necessary for an application to be registered with any authorization server(s) deployed in conjunction with the API, visit Developer Overview.
- If you want to learn more about API syntax, function names, required and optional parameters supported and their data types, return variables and their types/structures, exceptions and exception handling methods and their returns, visit https://api.bcbsnefhir.com/r4/metadata.
- For sample cURL requests and other example queries, visit API References.
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, 2025, 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). Or, if you are declined for coverage upon the annual review/re-enrollment, you can apply for an off-exchange ACA plan. Contact your agent or one of our consumer sales reps for more information.
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 2024 information here.
For a complete listing of all Nebraska HeartlandBlue plans, please refer to the Nebraska HeartlandBlue brochure. 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.