Residents of Nebraska have several ways to obtain health insurance. One of the easier and more affordable ways is to take advantage of the health plan offered by your employer. This type of employer-sponsored Nebraska health insurance plan is more affordable because the employer covers part of the premium each month.
Another advantage of employer-sponsored insurance is that if you’re an employee, you can be enrolled even if you have a pre-existing condition or you’re already on prescription medication. The plan can also cover medical services for your entire family.
Nebraska’s COBRA Health Insurance Program
What happens if you lose your job or work hours, which in turn, could make you ineligible for coverage? You can still retain coverage of your employer’s health plan through the COBRA program, which allows you to continue the coverage for up to 18 months by paying for the whole premium yourself. The 18 months you get as an extension allows you to obtain new coverage or a new job with a health plan.
It’s vital that you maintain coverage because you must not allow a lapse of coverage for 63 days. If you do, then your medical history will be reviewed by the health insurance carrier once you get a new job. If you have a preexisting condition, that condition may not be covered by your health plan for the first 12 months.
Private Health Insurance in Nebraska
If you’re able to afford private health insurance, then it’s easier to find the plans you need. The advantage of private health insurance is that you can pick precisely the package that offers the benefits you want the most. That’s unlike the employer-sponsored health plan, which the employer picks for all their employees.
Finding such plans is easy with HealthQuoteInfo and you can get started by using our search bar. Just enter your zip code, and you will be shown a list of plans available in your location from carriers like Cigna, Humana, Aetna, and Golden Rule. You can then delve into the details of each plan and compare them to one another to find the most suitable healthcare policy for you and your family. However, it must be admitted that private insurance can be expensive.
Medicaid & Low Income Health Insurance Nebraska
Medicaid is a program that offers low-cost or even free health insurance for low-income families and those with special needs. To qualify, you will need to meet certain eligibility requirements including income ceilings.
The program covers many types of services, albeit, there are limits. Hospital services are covered as long as they’re deemed medically necessary, so private rooms and ER services for routine treatments are not covered.
Doctor services are also covered, including many surgical services and other procedures that are part of your diagnosis and treatment. Medicaid does not cover acupuncture, weight loss programs, sterilization reversal, sex change, or even routine physical exams for adults.
This is the state’s version of EPSDT, or the Early and Periodic Screening, Diagnostic, and Treatment program under Medicaid. This is for children under the age of 21 who qualify for Medicaid. It offers complete checkups on a regular basis, and it also covers the diagnosis and treatment of any condition discovered during that checkup. However, some treatment services may require prior approval from Medicaid before they are performed.
This program offers immunizations and a complete physical examination. This includes hearing, dental, and eye exams.
Nurse Midwife Services
Medicaid covers services such as attending cases of normal childbirth and for prenatal, intrapartum, and postpartum services. It provides gynecological and obstetrician services and the newborn is also cared for after birth.
Personal Assistance Services
Medicaid offers special benefits for those with chronic conditions and disabilities. It covers personal assistance services that perform services that the patients would normally do for themselves. These services are meant to help the patient remain at home rather than have them moved to an institution. These services also include personal hygiene and housekeeping activities, along with medical tasks such as giving injections and inserting catheters. However, there are still some limitations to these services.
Nebraska Open Enrollment 2019 & Nebraska Obamacare Insurance
The Nebraska Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Nebraska, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.