Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Nebraska health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Nebraska health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Nebraska health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Nebraska health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Nebraskans to those of people who live in other parts of the country.
All you need to know about Nebraska health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Nebraska Individual and Family Health Insurance
Nebraska does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. Nebraska health insurance companies are allowed to design their own policies and they may choose whatever options they wish to offer- including benefits, co-insurance limits, deductibles. Some benefits, such as mammography, are mandated by the state. For individual health plans, all insurance companies in Nebraska have the right to deny coverage to any person based on their current or past health history. If you are applying for individual health coverage and you have a pre-existing medical condition, the Nebraska health insurance company has different actions they can take concerning your application. Firstly, they may categorically deny you all medical insurance coverage. Secondly, they may offer you coverage but refuse to cover any medical expenses related to the pre-existing condition. Thirdly, they may offer you full coverage, including coverage for the pre-existing condition. The insurance company makes this determination usually based on the severity of the pre-existing condition and also the estimated costs anticipated to maintain and treat the condition. These pre-existing conditions can be excluded for up to 24 months in a new policy. Nebraska health insurance companies are not required to give credit for prior insurance coverage.

Nebraska Group Health Insurance
To qualify for Nebraska health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Nebraska health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Nebraska health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Nebraska health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Nebraska COBRA Insurance
COBRA insurance coverage, as outlined in Nebraska health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that Nebraska health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous Nebraska health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further Nebraska health insurance can be obtained through the Nebraska Comprehensive Health Insurance Association (ACHIA).

Nebraska Health Information and Statistics
If you are in the market for quality Nebraska health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Nebraska ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Nebraska are low levels of air pollution, few poor mental and physical health days, high immunization coverage, and a high rate of high school graduation. Nebraska also faces many challenges, including a high geographic disparity within the state and a high prevalence of binge drinking.

According to a 2008 study, Nebraska had some significant changes over the past year, some of which include: the prevalence of smoking increased by 6%, the infant mortality rate declined by 12%, and the rate of uninsured population increased by 12%. Since 1990, the rate of deaths from cardiovascular disease decreased by 28%.

Following is a variety of statistical data related to living in Nebraska, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Nebraska health insurance.

  • Prevalence of Smoking-28th
  • Prevalence of Obesity-27th
  • Violent Crime-21st
  • Children in Poverty-13th
  • Air Pollution-10th
  • Cancer Deaths-10th
  • Lack of Health Insurance-20th
  • Prevalence of Binge Drinking-41st
  • Infant Mortality-10th
  • Infectious Disease-13th
  • Premature Death-10th

Overall Rank: 13
Change: -3