Nebraska Health Insurance

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.

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.

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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.

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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.

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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.

Nebraska Department of Insurance

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

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For other Nebraska Insurance Resources, See:

• Nebraska Auto Insurance
• Nebraska Home Insurance
• Nebraska Health Insurance

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