Armor Health Re-Enrollment

Your Armor Health coverage runs on a 12-month cycle. To continue your coverage, you must re-enroll each year. For example, if your coverage started on Feb. 1, 2020, you need to re-enroll to continue your coverage starting Feb. 1, 2021.

Each year, we will review your claim history, age, gender, tobacco use and geographic area.

About three months before your re-enrollment date, you will get a letter letting you know if you have been approved for coverage for the next re-enrollment period.

If you have questions about the process, or need to confirm your re-enrollment date, please call the Member Services number on the back of your member ID card.   

Graphic showing the Armor Health Annual Enrollment Cycle. 3 months before the enrollment date, you will receive a reminder from BCBSNE.
Contact your insurance broker to start the re-enrollment process. They will have access to your re-enrollment offer and will complete the process electronically.   
We understand that being declined coverage is not favorable news. Now, more than ever, cost and coverage are a concern. The Affordable Care Act (ACA) offers a variety of similar plans with lower premiums that may be a better fit for your health insurance needs. Please contact your insurance broker or go to  Healthcare.gov to see your ACA coverage options. 

Commonly Asked Questions

Medicare is government-sponsored health coverage for those age 65 and older as well as those with certain disabilities or diseases. Armor Health does not coordinate benefits with Medicare insurance, so when you are eligible for Medicare, you are not eligible for Armor Health coverage. 

If you are the policyholder, you will get a letter about four months before the month you turn 65. This letter has a continuation of coverage form for any dependents on your policy. Signing and returning this form allows your covered dependents to continue their Armor Health coverage on their own policy. This policy will continue for the rest of the contract period without having to re-apply for coverage, complete medical underwriting or reset pre-existing waiting periods. 

If you are a spouse of the policyholder (not the policyholder) and turning 65, your coverage will end on the last day of the month that you turn 65. Earlier termination can be requested with a   cancellation request form. All other members on the policy will stay covered. 
When your child turns 26, they will not be an eligible dependent under your policy. Their coverage will end on the last day of the month that they turn 26. They will get a letter and a continuation of coverage form about four months before the month they turn 26. When they sign and return this form, it lets them continue their Armor Health coverage on their own policy. Their own policy will last for the rest of the contract period without having to re-apply for coverage, complete medical underwriting or reset pre-existing waiting periods. 
If you need to add a spouse or dependent at re-enrollment, please reach out to your insurance broker to fill out an application for the individuals to be added. 
No, all members on the same policy must have the same plan option. The only exception is on a policy where the subscriber and spouse have both declined coverage, and multiple children are taking child-only policies. In this case, they could choose different plan options.
You will be given a Blue Cross and Blue Shield of Nebraska agent to work with. Their information can be found in your re-enrollment letter or you may call 888-926-1204.
A denied member may re-apply for new coverage; but, the same claim history will be reviewed by Underwriting, resulting in the same decision. We suggest waiting 12 months from the last application/denial before re-applying. 
Re-enrollments must be completed by the first of the month before your re-enrollment date, but will be accepted up to the day before your effective date. For example, if your re-enrollment effective date is Feb. 1, 2021, your re-enrollment should be completed by Jan. 1, 2021; still, your re-enrollment would be accepted as late as Jan. 31, 2021. 

Yes. Armor Health status does not affect dental eligibility. Please contact your insurance broker to sign up for a DentalEssentials plan. 

All Armor Health members are medically underwritten each year to decide your rate for the next re-enrollment period. We review your claim history, age, gender, tobacco use and geographic area to calculate your new premium rate. 
Policy information will be mailed 5-7 days from when the re-enrollment is processed. New ID cards will not be created unless there is a change in membership (i.e., moving from single coverage to family coverage). 
Each year, we review our contracts and make changes that allow us to keep stable and fairly priced benefit offerings. As part of this update, former pre-ACA members will go through medical underwriting and could be declined coverage at re-enrollment if they do not meet underwriting guidelines. Medical underwriting includes reviewing claim history, age, gender, tobacco use and geographic area. 
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