Nebraska Health Insurance
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According to the Center for Disease Control, an average of 10.3% of Nebraska residents a year went uninsured for Nebraska health insurance between 2001 and 2003.
Free Nebraska Health Insurance Quotes
To receive your free Nebraska health insurance quotes, enter your zip code into the form below.
Nebraska Health Insurance Regulations
Under Nebraska health insurance law, an individual cannot be denied or limited access to health insurance if that health insurance is through an employer. Individuals, on the other hand, can be denied health insurance by any Nebraska health insurance company based on age or health factors. There can also be limitations of coverage if the plan is granted.
Pre-Existing Provisions
Individual Nebraska health insurance companies can impose pre-existing provisions and elimination riders if they choose. Individual insurance policies can pose elimination riders which deny coverage for any medical condition or body part for the duration of the policy. Nebraska health insurance companies can also impose pre-existing condition provisions which limit coverage for any medical condition the company determines existed prior to the beginning of the Nebraska health insurance plan.
Pre-existing conditions are usually considered to be any medical condition diagnosed or treated prior to the beginning of the health insurance policy. In Nebraska, a pre-existing condition can also be one for which someone sought advice. Nebraska medical insurance companies can impose pre-existing provisions on any condition they believe was present but undiagnosed prior to the beginning of the policy. Any Nebraska health insurance company can decide if a condition which an individual claims under a policy was pre-existing or not and can, therefore, refuse to pay the coverage costs for that conditions. Pregnancy can count as a pre-existing condition.
Renewable Policies
All individual policies, under Nebraska health insurance law, are guaranteed renewable. This means that any individual currently covered under a medical insurance plan is guaranteed the right to renew the existing policy, regardless of health changes. Nebraska health insurance rates also vary depending on age and health.
Newborns
All newborns are covered under a parent’s individual Nebraska health insurance policy for the first 31 days after birth. After this time, policy changes must be made by the parent to cover the new dependent. Disabled children can remain under the parent’s policy beyond the usual age at which dependent coverage usually ends.
Temporary Nebraska health insurance policies are offered by some companies to ensure health coverage between policies or jobs.
Alternative Nebraska Health Insurance Options
For individuals who can not afford individual Nebraska health insurance or who might otherwise be “uninsurable”, Nebraska offers some state programs which may help:
- Nebraska Medicaid is available to individuals who qualify and meet eligibility criteria.
- Nebraska Comprehensive Health Insurance Pool (CHIP) is the state’s high-risk pool for health insurance in which individuals who might otherwise be “uninsurable” can buy into group health insurance plans. Pre-existing condition periods may apply.
- Kids Connection is Nebraska’s Children’s Health Insurance Program that is designed to provide health insurance coverage for children up to 19 years of age whose families do not qualify for Medicaid and who may not be able to afford Nebraska health insurance.
Information about Nebraska Health Insurance
Nebraska Medicaid: www.hhs.state.ne.us
Nebraska Comprehensive Health Insurance Pool(CHIP):www.bcbsne.com
www.doi.ne.gov
Kids Connection: www.hhs.state.ne.us
www.healthinsuranceinfo.net
www.diabetes.org
www.healthinsuranceindepth
Nebraska Department of Insurance
www.doi.ne.gov
Terminal Building
941 "O" Street, Suite 400
Lincoln, NE 68508-3639
(402) 471-2201
Toll Free Hotline (877) 564-7323 (Consumers Only)
In Lincoln 471-0888
TDD (800) 833-7352
Nebraska Health Insurance Organizations
According to the Nebraska Department of Insurance, the following are some health insurance companies active in Nebraska:
- 50+/INTERNATIONAL HEALTH INSURANCE
- AMERICA'S HEALTH INSURANCE PLANS
- AMERICAN SPECIALTY HEALTH INSURANCE COMPANY
- BEST LIFE AND HEALTH INSURANCE COMPANY
- CONSECO HEALTH INSURANCE COMPANY
- CONSECO SENIOR HEALTH INSURANCE COMPANY
- CONSECO SENIOR HEALTH INSURANCE COMPANY
- CORPORATE HEALTH INSURANCE COMPANY
- EASTERN LIFE AND HEALTH INSURANCE COMPANY
- EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC.
- FIRST HEALTH LIFE & HEALTH INSURANCE COMPANY
- GENWORTH LIFE AND HEALTH INSURANCE COMPANY
- HM HEALTH INSURANCE COMPANY
- IMERICA LIFE AND HEALTH INSURANCE COMPANY
- KINGSGATE HEALTH INSURANCE
- MAMSI LIFE AND HEALTH INSURANCE COMPANY
- MEGA LIFE AND HEALTH INSURANCE COMPANY/ THE
- NATIONAL HEALTH INSURANCE COMPANY
- NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
- NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
- PACIFICARE LIFE AND HEALTH INSURANCE COMPANY
- PRINCIPAL HEALTH INSURANCE COMPANY
- PROVIDENT AMERICAN LIFE & HEALTH INSURANCE COMPANY
- REGIONAL HEALTH INSURANCE COMPANY, A RISK RETENTION GROUP
- RENAISSANCE LIFE & HEALTH INSURANCE COMPANY
- RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA
- UNICARE LIFE & HEALTH INSURANCE COMPANY
- UNITED SECURITY LIFE AND HEALTH INSURANCE COMPANY
- YOUR HEALTH INSURANCE AGENCY, INC.
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