Nebraska Individual Health Insurance

While arguments rage over the availability of so-called Universal Healthcare, one thing remains consistent: affordable healthcare is a fleeting fancy. For the lucky Americans who have health insurance, going to the doctor or getting prescriptions filled is peace-of-mind 46-million (Source: US Census Bureau) only dream about. For them, the reality is often the stark possibility that a life-saving medical treatment or short stay in the hospital almost certainly mean eventual bankruptcy or, at the very least, long protracted battles with billing department and collections agencies. If you’re one of those unfortunate residents who need affordable Nebraska health insurance for you and your family, IndividualHealthInsurance.org is here to help.

We’re ready to help put you in touch with top Nebraska health insurance providers who will provide free, no-obligation quotes. Having a health insurance policy to at least cover basic emergency medical expenses or routine care may be the difference between a short stay in the hospital and forfeiting your retirement savings. Some states also extend coverage to include disability and long-term care.

Nebraska Individual Health Insurance

When applying for individual health insurance in Nebraska, you should know that most health insurance companies in this state look to your health status when deciding whether to approve or deny your application. Generally, while filling out an application for individual health insurance, you will be asked detailed questions relating to your present lifestyle (such as smoking or alcohol consumption habits) and your family history. After reviewing the information you provide, a Nebraska health insurance company will make the choice to deny your coverage or offer you a policy. Rather than deny claims outright, some insurance companies attach what is known as a rider to the policy. A rider basically excludes coverage for pre-existing conditions and may be enforced for a limited time or for the life of the policy. Other Nebraska health insurance companies place a waiting period on pre-existing conditions whether there is a formal rider written into the policy or not. Be sure to read through your policy completely so you understand the coverage you can expect in your individual health insurance plan.

Nebraska Group Health Insurance

Group health coverage for the state of Nebraska is meant for companies which have anywhere from 2 to 50 employees. Under most Nebraska group plans, coverage is not available for part-time employees or for those employees who live outside of the area that is serviced by the health insurance provider. Those who are covered are guaranteed treatment regardless of their current health condition. Unlike individual health insurance, if any waiting periods are enforced for the policy, those waiting periods are dictated by the company rather than the health insurance provider. Some employers offer a range of coverage which may or may not include deductibles and/or co-pays. Read through your options carefully so that you can choose the plan that best fits your personal situation or, if only one option is available, so that you will understand exactly what will be covered and what won’t be when medical expenses come to call.

Nebraska COBRA Insurance

If your previous employer has 20 or more employees, Nebraska health insurance regulations require COBRA benefits be made available to you. Typically, if you are eligible to receive COBRA benefits, you can do so for up to 18 months. For disabled people, the coverage extends to 29 months and for eligible family members, coverage can go as long as 36 months. Because COBRA is an extension of your previous employer’s group health plan, you are only covered so long as the plan hasn’t been cancelled or hasn’t been terminated for whatever reason. That is, if the plan is cancelled, your COBRA coverage will also end. If your COBRA coverage has run out or is going to run out, you may want to contact the Nebraska Comprehensive Health Insurance Association (ACHIA) who can help you obtain continued health insurance coverage.

Peace-of-Mind is only a Few Clicks Away

Now that you have a solid overview of individual, group and COBRA health insurance coverage, you are ready to take action. If you are already have a health insurance policy- either through your employer or another source, look over the policy to make sure it meets your needs. If you are one of the millions of uninsured people in the country, take the time to fill out the form at IndividualHealthInsurance.org so that you can obtain your free quote and take steps to protect your valuable assets.