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Nebraska Health Insurance

Health insurance is now usually available in two broad categories: individual and group. Individual insurance is sought mostly by self-employed persons, or those who are employed by a company that does not have provision for a health plan, or who have a family and who need individual insurance for their family members. Whenever one purchases an individual policy, he/she is required to pay an annual premium as well as a deductible for each insured dependent, up to a base amount. If one opts for a group policy instead, he or she has to pay an annual premium, co-payments payable at each medical service, and a deductible payable before the insurance company begins paying for his or her legitimate medical bills.

The State of Nebraska allows private insurance companies to deny you individual health insurance if you have a health problem. Insurance companies in Nebraska have the right to attach an elimination rider to new individual insurance for pre-existing conditions. In Nebraska, no time limit is mandatory for exclusion periods with new individual insurance policies. Your policy cannot be cancelled if you fall ill; but there is no restriction imposed by the State of Nebraska on the amount you have to pay as premium.

If you are qualified, you are assured of group health insurance without any additional cost even if you have health problems. You can get some more opportunities for group coverage on account of family problems, children, marriage, and job loss. Your new boss and HMO may ask for a waiting period before providing group coverage. The look back period granted to insurance companies to review for pre-existing conditions is six months prior to a new health plan. Under normal circumstances, the exclusion period for pre-existing conditions cannot exceed one year. If you have had continuous, unbroken coverage of your pre-existing condition of more than 63 days, you are entitled to creditable coverage.

Small businesses employing two to 50 people cannot be refused down small group health policies or cancelled due to the health conditions within the employee group. In Nebraska, self-employed people cannot buy small group health insurance. For getting linked with business associations, one can contact the Nebraska Department of Insurance.

In Nebraska, the Comprehensive Health Insurance Pool assists those people who cannot afford insurance and who quail for HIPAA. Medicaid and Kids Connection also help low income residents of the state.

Choosing the right quotes is not easy; you should better do some homework before making a final decision. However, it is even better if you appoint professional health insurance agents and brokers who can be of great help in this regard. Their experience and expertise in this highly competitive sector will relieve much of your burden and they will take on the responsibility of choosing what will be the most suitable quotes for you.

Among the leading health insurance providers in Nebraska are American Medical Security, Assurant Health (formerly Fortis), Blue Cross and Blue Shield of Nebraska,
Celtic, Fairmont Specialty Group, Golden Rule and Security Life.



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