Health Insurance Carriers in Nebraska (NE)
Health insurance rules and regulations vary from state to state. Nebraska has a set all her own and, for your convenience, we’ve provided some of the details below. Check out the links as well to see some of our recommended options.
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Health Insurance Providers in Nebraska
American Medical Security
Assurant Health (Formerly Fortis)
Blue Cross and Blue Shield of Nebraska
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Security Life
Group Health Insurance in Nebraska
- Group health insurance is guaranteed to eligible applicants and without added cost despite health problems.
- Life changes relating to family problems and job loss may create eligibility for more opportunities under group health coverage.
- Employers and HMOs may require a waiting period before offering new coverage.
- The period for insurance providers to review medical records for pre-existing conditions is six months prior to the start of the new health plan.
- Exclusion periods for pre-existing conditions can be imposed for up to 12 months.
- If coverage has been maintained without a lapse of over 63 days, creditable coverage is available.
Small Business Health Insurance in Nebraska
- Small businesses with fewer than 50 employees cannot be denied small group health coverage or cancelled due to health conditions within the employee group.
- There are limits on the variances of cost in premiums.
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Self-Employed Health Insurance in Nebraska
- The self-employed may not buy small group health insurance.
- The regulations that govern business associations offering group health insurance should be checked out with the Nebraska Department of Insurance.
Nebraska Department of Insurance
941 "O" Street, Suite 400
Lincoln, NE 68508
(402) 471-2201
www.nol.org/home/NDOI
Individual Health Insurance in Nebraska
- Providers may deny individual coverage for a health problem.
- For pre-existing conditions and new individual insurance, the provider may attach an elimination rider to the policy.
- There is no minimum time limit for exclusion periods with new individual insurance policies.
- Coverage cannot be cancelled due to illness, but there are no limits on the cost of a premium.
Nebraska Health Care Programs
- The Comprehensive Health Insurance Pool is available for residents and HIPAA eligible individuals who cannot afford insurance.
- Medicaid and Kids Connection are available to low income residents.
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