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
$2,500 Individual
$5,000 Family
Deductibles
$5,000 Individual
$10,000 Family
Deductibles
$7,500 Individual
$15,000 Family
Deductibles
Doctor and Hospital Network Options
NEtwork BLUE
NEtwork BLUE is our statewide network made up of 98% of Nebraska's doctors and non-governmental acute care hospitals.*
NEtwork BLUE provides access to:
- Hospitals and clinics across Nebraska
- Primary and specialty care providers
- Heart, cancer and trauma centers
- Children’s care
- Behavioral health network
* Source: BCBSNE statistics. June 27, 2023
Tools and Resources
Online Tools
Access our online member resource center to find in-network doctors, track medical bills and health care spending.
Estimate Costs
Get estimated costs for hospital stays, MRIs, office visits, surgeries, vaccines, X-rays and more.
Discount Programs
Get exclusive discounts and savings that make it easier and more affordable to make healthy choices with Blue365.Prescription Drug Coverage
BCBSNE members will pay less out of pocket on prescriptions filled with in-network pharmacies. Members may also use Amazon Home Delivery Pharmacy to order up to a 90-day supply of maintenance medications at one time (if allowed by the prescription).
In-Network ($)
- 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.
Commonly prescribed generic drugs.
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.
Prescription Coverage Benefits
Cost Savings
You pay less when you choose generic medications from our drug list. You should talk to your doctor about what is right for you.
Convenience
With many in-network pharmacies to choose from, you can fill prescriptions close to home or work.
Time Savings
You may have up to a 90-day supply of maintenance medications delivered directly to you.
Online Resources
You may search the drug list, find a pharmacy, view your claims and estimate the cost of medications 24/7 by logging in to myNebraskaBlue.com.
Need to add a dependent?
Calculate Rates
Use our rate book to estimate your individual or family base rate. Rates are based off on age, sex, tobacco use, health status and medical history. Once you complete the application, BCBSNE will provide an underwritten rate that may be different than the base rate.
Review Armor Health Benefits
Take a peek at the benefits Armor Health has to offer. Armor Health plans have preventive services covered at 100% as well as preferred generic prescriptions at no cost.
Check the Network
Review the NEtwork BLUE network to determine if your doctors and hospitals are in network. This statewide network is made up of 98% of Nebraska's doctors and non-governmental acute care hospitals.
Apply for Coverage
Complete the application below to apply for Armor Health coverage. Coverage will only be offered to individuals who can pass medical underwriting based on age, sex, tobacco use, health status and medical history.If you need assistance filling out the application, please refer to the Application Checklist. To learn more about medical conditions that may be declined, refer to the Underwriting Conditions List.
Send your completed application by email or mail to:
Email: MUW@NebraskaBlue.com
Mail: Blue Cross and Blue Shield of Nebraska
Individual Underwriting Department
P.O. Box 3248
Omaha, NE 68180
Once your application is received, it will be processed by one of our agents. Once complete, they will reach out to you with your personalized quote.
Yes, Armor Health policies are fully underwritten upon initial enrollment period. Underwriting will also occur each coverage term to determine premium rates and eligibility, underwriting is based on age, sex, medical history and tobacco use.
Armor Health has a waiting period of 12 months for pre-existing conditions. After the first coverage term, members who continue to be eligible for Armor Health will have that waiting period waived.
Yes, Armor Health provides prescription drug coverage. Preferred and non-preferred generics are subject to a copay. Members may get covered brand name and specialty drugs at the BCBSNE negotiated rate. You can view in-network pharmacies (Network J) and the prescription drug list (PDL 40) online.
Please note that pharmacy copays do not apply to the out-of-pocket maximum.
Comparing Armor Health to an ACA plan
| Armor Health (Option 1) | ACA Standard Gold (for comparison purposes only) |
|
|---|---|---|
| Lifetime Maximum | ||
| $1,000,000 | No lifetime maximum under ACA | |
| Pre-existing Conditions | ||
| Covered after a 12-month waiting period1 Rates will vary based on health condition |
Covered | |
| Renewability | ||
| Renewed each month when premiums are paid for a period of 364 days and will be guaranteed renewable for one (1) day or two (2) days during a Leap Year | Guaranteed Renewable | |
| Primary Care Office Services | ||
| $30 Office Services Copay | $30 Office Visit Copay | |
| Pharmacy Benefits | ||
| Preferred Generic Drugs | $0 Copay | $15 Copay |
| Specialty Drugs | Member Pays 100% | $250 Copay |
| Pregnancy and Maternity | ||
| Not Covered | Deductible and 25% Coinsurance | |
| Mental Illness and Substance Abuse Services | ||
| Inpatient | Not Covered | Deductible and 25% Coinsurance |
| Outpatient | Deductible and 20% Coinsurance | $30 Office Visit Copay |
| Preventive Care Services | ||
| ACA required preventive services (may be subject to limits that include, but are not limited to, age, gender, and frequency) | Plan Pays 100% | Plan Pays 100% |
| ACA required covered preventive services (outside of limits) | Plan Pays 100% | Plan Pays 100% |
| Other covered preventive services not required by ACA | ||
| Laboratory tests as specified by Us, including urinalysis and complete blood count; general health panel; comprehensive metabolic panel; prostate cancer screening (PSA) and hearing exams | Plan Pays 100% | Plan Pays 100% |
| All other laboratory tests; radiology, cardiac stress tests; EKG; pulmonary function and other screenings and services | Same as an illness | Same as an illness |
| Emergency Care | ||
| Urgent Care Facility Services | $75 copay first 3 visits then Deductible and Coinsurance | $45 Office Visit Copay |
| Emergency Care Services | Deductible and 50% Coinsurance | Deductible and 25% Coinsurance |
| Inpatient Hospital | Deductible and 20% Coinsurance | Deductible and 25% Coinsurance |
| Ambulance Services | Deductible and 20% Coinsurance | Deductible and 25% Coinsurance |
| Pediatric Vision | ||
| Not Covered | Deducible and 25% Coinsurance | |
| Pediatric Dental | ||
| Not Covered | Deducible and 25% Coinsurance | |
| Network Providers | ||
| Statewide Directory Online Nebraska adequacy laws apply |
Statewide Directory Online Nebraska adequacy laws apply |
|
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.
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