Stats in Your State
The following graphs and data give a general idea of the state of health insurance in Nebraska, where, like much of the country, thousands go without health insurance each year and health insurance premiums are on the rise. To find out if you’re paying too much, read through the following charts to get a sense of how your insurance premiums compare with others in the region and the U.S. in general.
In 2009 and 2010, enrollment of Nebraskan children in government-administered health plans stayed relatively constant, with approximately 210,000 children enrolled between Medicaid and CHIP in 2009 and roughly 211,000 in 2010. Roughly one quarter of those were enrolled in the state’s CHIP plan, with the remainder insured through Medicaid.
Individual Health Insurance Premiums
At $1,049 per month, the average health insurance premium for Nebraska single-payer plans in 2011 was just below the national average of $1,090. Nebraska also ranked below the average of other states in the Heartland for these employer-based plans, indicating a relatively low risk factor for Nebraska workers and good health in general.
Family Health Insurance Premiums
The cost of family health plans for Nebraskans is similarly lower than the national average, but only slightly. Still, Nebraska ranks roughly average among other midwestern states in terms of the monthly premiums for family health care.
SAHIE Health Insurance Uninsured
The Census Bureau estimates that in 2009 and 2010 over 200,000 Nebraskans went without health insurance. This underlines the need for affordable health insurance in Nebraska and across the country in general.
Rules in Your State
The rules and regulations for health insurance in Nebraska specifically outline unfair practices with regards to health and life insurance claims. This is fortunate for policyholders in that they have a specific set of clearly defined acts which insurers must not do, whereas some states don’t have such clear definitions. Read on to learn more about the insurance rules in Nebraska.
Nebraskan Rules: Alcohol & Your Health Insurance
Nebraska laws allow insurers to deny benefits for losses arising from intoxication, and allow insurance companies to charge more for treatment of alcohol-related disorders than for treatment of medical or surgical conditions.
Unfair Life and Health Insurance Trade Practices: These unfair trade practices are specifically prohibited. Consult with an attorney if you feel your rights have been compromised.
Nebraska Rules and Regulations Search Tool: The search tool allows readers to peruse the Nebraska rules and regulations for insurance and the administrative codes in general.
Representatives & Resources in Your State
The following representatives and links to state resource pages will help to educate readers on different types of health insurance in Nebraska, as well as assist in filing complaints or taking formal action against an insurer for unfair practices. Read on to get the information you need to keep a handle on your insurance policy.
Nebraska Department of Insurance
PO Box 82089
Lincoln, NE 68501-2089
Life and Health Insurance Information Resource
The Insurance Division’s resource for life and health insurance serves as a great information tool for learning more about how health insurance works in the state.
These Department of Insurance guides cover the essential elements of insurance from auto to home to health and life, and consumers will find key information on how various types of insurance work.
Nebraska Medicaid Program: Kids Connection
Nebraska Department of Health & Human Services Finance & Support
P.O. Box 85801
Lincoln, NE 68509-85801
NECHIP: Nebraska Comprehensive Health Insurance Pool
The NECHIP program provides affordable health insurance options for low-income Nebraska residents and for those who have trouble finding affordable health care options.
Contact Information for NECHIP
Nebraska Senior Health Insurance Program
The Senior Health Insurance Program (SHIP) provides a resource for seniors to find affordable health insurance coverage.
Nebraska Department of Health and Human Services
P.O. Box 95026
Lincoln, Nebraska 68509-5026
The Department of Health and Human Services (DHHS) offers services to low income families, disabled persons, children, seniors, and others in need of care. Contact the DHHS if you or a loved one could benefit from their services.