Nebraska Health Insurance Coverage...
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If you are searching for ways to lower your health insurance costs and live in the State of Nebraska...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

• What are your protections in the State of Nebraska if buying individual health insurance?
     If you do not have access to employer-sponsored group insurance, you may want to buy an individual health plan from a private health insurance company. However, in Nebraska – as in most other states – you have limited guaranteed access to individual health insurance. Whether you can buy an individual health plan may depend on your health status, the kind of coverage you want to buy, and other circumstances. Also, there are some alternatives to individual health insurance coverage such as continuation coverage and the Nebraska Comprehensive Health Insurance Pool.
• When do individual health insurers have to sell me coverage?
     In Nebraska, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage.
• In general, companies that sell individual health insurance in Nebraska are free to turn you down because of your health status and other factors.
     When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
• In Nebraska, newborns are automatically covered under the parents’ individual health plan for the first 31 days.
     The insurer may require that the parent enroll the baby and pay the premium within the 31 days in order to continue coverage beyond the 31 days.
• In Nebraska, mentally retarded and physically disabled dependents are permitted to remain insured under their parents’ individual health insurance policy after they reach the age at which dependent coverage is usually terminated, if certain conditions are met.
     The adult dependent must be incapable of self-support and must rely on the policyholder for support. In addition, proof of dependency and disability must be provided to the insurer within 31 days of the dependent reaching the limiting age.
• What will your individual plan cover?
     It depends on what you buy. Nebraska does not require health insurers in the individual market to sell standardized policies. Health insurers design different policies and you will have to read and compare them carefully. However, Nebraska does require all health plans to cover certain benefits—such as mammograms and diabetes care. Check with the Nebraska Department of Insurance for more information about mandated benefits.
• What about coverage for a pre-existing condition?
     Except when you are federally eligible, there are no limits on pre-existing condition exclusion periods in individual health plans in Nebraska. An individual health plan can exclude coverage for a period of time thru elimination riders. A rider is an amendment to your health plan contract that can temporarily or permanently exclude coverage for your health condition (e.g., asthma) or for the body part or system that condition affects (e.g., lungs or respiratory system). Also, individual plans may exclude conditions for which you ever got care or for which the insurer thought you should have sought care. This is called the prudent person rule.
• What can you be charged for individual health coverage in Nebraska?
     In Nebraska, there are no limits on what you can be charged for individual health plans. You can be charged substantially higher premiums because of your health status, age, gender, and other characteristics. If you have questions about your premiums, contact the Nebraska Department of Insurance.
• Can your individual health insurance coverage be cancelled?
     If you have an individual plan, your coverage cannot be canceled because you get sick. This is called guaranteed renewability. You have this protection provided that you pay the premiums, do not defraud the company, and, in the case of managed care plans, continue to live in the plan service area. However, premiums can increase substantially as you age or if your health declines.
• Some insurance companies sell short-term health insurance policies.
     Short-term policies are not guaranteed renewable. They will only cover you for a limited time, such as six months. If you want to renew coverage under a short-term policy after it expires you will have to reapply and there is no guarantee that coverage will be re-issued at all or at the same price.

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