Nebraska Health InsuranceIndividuals and Families
Nebraska Health Insurance
How to find an affordable plan.
Selecting an affordable health insurance plan in Nebraska has never been easier. With the variety of options available in the state of Nebraska it is important to identify what health plan best suits your needs. Health Insurance Online is a great resource when researching for health insurance information and can provide a helpful guide to understanding some of the complexities of the health insurance industry so that consumers can make an informed decision.
Leading Nebraska Health Insurance Companies
Researching Health Insurance
Before making a significant decision such as choosing health insurance it is important to do the proper amount of research. There are several options available to gain more information on the plans and policies available in Nebraska. The Internet is a popular resource when shopping for a new health plan. Using the Internet, consumers are able to get a detailed analysis of the plans offered by each provider within the state as well as multiple quotes from several different companies. Online resources allow individuals to do their homework on all health care plans at their own convenience and within the confines of their home. Another option available to consumers is visiting one of the many insurance agents in the state of Nebraska. The insurance agent will be able to give a breakdown of the similarities and differences between the types of insurance available. Discussing the pros and cons of health insurance plans with friends and family is also a strong resource. By reviewing the intricacies with others, consumers are able to gain a better understanding of what plans might be the best fit for their needs.
Choosing a Health Plan
When selecting a health plan in Nebraska it is important to choose a plan that is both affordable and provides sufficient coverage depending on your unique needs. There is not a single health plan that is the best fit for all consumers. Although choosing the plan with the lowest monthly premium may be the first strategy that comes to mind when selecting a plan it is important to be mindful of your previous medical history and how often you and your family seek medical attention. If you select a plan that has a low monthly premium but you exhaust your allowed benefits you may end up paying more out-of-pocket costs than you originally anticipated.
Understanding the Types of Health Plans Offered in Nebraska
The type of health insurance programs available in Nebraska vary depending on certain factors. Employment status, age, and pre-existing conditions are all things that affect what plans are offered and the cost of the monthly premium. For Nebraska residents that are in employed, the majority of residents participate in employer sponsored group insurance. Group plans can vary in terms of cost and benefits so it is important to verify the details of your plan to identify if there are any limitations. If you are in between jobs you have the option to select an individual or family plan through private insurance or use a short term plan such as COBRA. COBRA allows individuals to remain on an employer sponsored plan for a limited time even after leaving employment. Those on a COBRA plan will be responsible for covering the full monthly premium. For consumers who have been turned down from private insurance companies due to pre-existing health conditions, there is a state run program called the Nebraska Comprehensive Health Insurance Pool (NECHIP). This program was created in 1985 to provide health care coverage to people who would not otherwise be able to obtain it at an affordable price or without health restrictions. The most popular plan types are defined below.
Traditional Fee-for-Service (FFS) plans allow an individual to go to the doctor of his or her choice and then submit the claim.
Health Maintenance Organization (HMO) plans provide services through a network of doctors, hospitals, laboratories, and other providers. When you enroll in an HMO, you may be required to select one doctor as your primary care physician (PCP) to manage all your health care needs. In most cases, you will have to contact your primary care physician first, regardless of the type of care you need. Your physician will then refer you to an HMO-approved specialist for additional care, if necessary.
Preferred Provider Organization (PPO) is a group of doctors, hospitals, and other providers who have agreed to provide services to members of a health plan through participation in a network. However, benefits also are available when you use providers who are not participating, commonly known as out-of-network. If you use a provider who is not on the approved PPO list, your out-of-pocket expenses may be higher.
Point of Service (POS) is similar to an HMO in that you select a primary care physician (PCP) to manage your health care needs and give referrals to network providers. A POS also gives you the option to see a provider outside the network. However, if you leave the network, the plan pays at a reduced rate and you will have more out-of-pocket expenses.
Resources and Information
Nebraska Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Nebraska Doctor Directory
Doctors practicing medicine in the State of Nebraska are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.