Nebraska Health Insurance

Health Insurance Overview

Nebraska residents have many options for health care coverage. There are numerous Nebraska insurance providers to choose from, along with a variety of Nebraska medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Nebraska health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Nebraska medical insurance from the best Nebraska insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Nebraska health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Nebraska health insurance programs, and even details on some of the top Nebraska insurance providers.

To compare specific Nebraska medical insurance plans offered by the various Nebraska insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Nebraska health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Nebraska health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Nebraska? Find your state here.

Nebraska Health Insurance Facts & Statistics

Total Nebraska Residents – 1,809,700

Total Health Insurance Coverage In Nebraska:
Employer – 54%
Individual – 8%
Medicaid – 11%
Medicare – 12%
Other Public – 2%
Uninsured – 13%

Average Individual Monthly Premiums – $233

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 21%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,049

Average adjusted hospital cost per inpatient day – $1,516

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Nebraska Medical Insurance Laws, Regulations & Policies

There are several Nebraska health insurance laws and regulations that are put in place to protect policyholders living in the state. According to state law, every Nebraska medical insurance plan is required to cover certain medical care services, including:

  • Mammograms and screening for colorectal cancer
  • Diabetes care
  • Vaccinations for children

The state also requires Nebraska insurance providers to set coverage limits and maximums for mental health conditions equal to physical conditions, which is known as mental health parity.

Two federal laws, HIPAA and COBRA, protect Nebraska residents who have recently left an employer’s group health plan. Under HIPAA, Nebraska insurance providers are not allowed to exclude coverage or require waiting periods. Under COBRA, former employees have a right to continue their group coverage for a temporary period of time.

Nebraska also has a high risk health insurance pool, the Nebraska Comprehensive Health Insurance Pool, which provides Nebraska health insurance for residents who are unable to find affordable coverage because of a pre-existing condition.

Nebraska Health Insurance Resources

Nebraska Family Health Services

A division of the Nebraska DHHS, this is a valuable resource to find information on adolescent and school health, immunizations, nutrition, and newborn screening. Visit the website.

Nebraska Office of Minority Health Services

The Office of Health Disparities and Health Equity (OHDHE) works to improve health outcomes for Nebraska’s culturally diverse populations. Its vision is health equity for all residents to reduce the disparity that exists between health status across racial and ethnic groups. Visit the website.

Nebraska Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. The Nebraska Comprehensive Health Insurance Pool (NECHIP) provides health insurance coverage to residents with pre-existing conditions. This plan works similar to regular Nebraska health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in NECHIP pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium costs for Nebraska enrollees will be $307 for ages 0 to 34; $369 for ages 35 to 44; $471 for ages 45 to 54; $655 for ages 55 and older. The plan has a deductible of $2,500 a year, which must be met before health insurance benefits kick in, and there is an out-of-pocket limit set at $5,950 a year. Residents who are eligible for the NECHIP get access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.

Individuals may apply for the Nebraska health insurance program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Nebraska Comprehensive Health Insurance Pool, visit their website at http://www.nechip.com/.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Nebraska Medical Insurance and Health Care Programs

The state of Nebraska offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Nebraska Medicaid program offers health insurance coverage for some low-income residents and disabled citizens. To learn more about the program, visit the website.
  • Kids Connection
    This program is an extension of Nebraska Medicaid and provides health coverage for children who are uninsured and who do not qualify for Medicaid. Federally called the Children’s Health Insurance Program (CHIP), it provides the same coverage as Medicaid for children 18 and under. Learn more about Kids Connection, visit the website.
  • The Every Woman Matters Program
    Low-income women living in Nebraska can receive free screening for breast and cervical cancer through this program. If a woman is diagnosed with cancer through this screening, she can receive coverage for treatment through Medicaid. Learn more about Every Woman Matters, visit the website.
  • Nebraska Medicare
    Seniors can find Nebraska health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Trade workers and early retirees in Nebraska can also receive a tax credit to help pay for health plan premiums through the Federal Health Coverage Tax Credit.

Nebraska Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Blue Cross and Blue Shield of Nebraska Health Insurance

BCBS of Nebraska is the largest health insurance company in the state. It also has the largest care provider network including 23,000 physicians.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

United Security Life Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Nebraska Department of Insurance and Department of Health & Human Services

Find the contact information for the Nebraska health insurance and health and human services departments at:

Nebraska Department of Insurance
Terminal Building
941 O Street, Suite 400
Lincoln, NE 68508-3639
Phone: (877) 564-7323
http://www.doi.ne.gov/

Nebraska Department of Health & Human Services
301 Centennial Mall South
Lincoln, NE 68509
Phone: (402) 471-3121
http://www.hhs.state.ne.us/