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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.