Nebraska Health Insurance

Staying healthy and in good shape is paramount to living a long and prosperous life, but keeping good health insurance is just as important for unexpected medical needs as well as routine checkups and emergency care. The Simple Dollar has compiled the key resources Nebraska residents will need to better understand and stay on top of their health insurance policies.

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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.

Chip Medicaid

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.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Nebraska law permits health insurers to deny benefits for losses due to intoxication.
Nebraska health plans must offer coverage for treatment of alcohol-related disorders, but are not required to cover such treatment or provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health plans covering alcohol-related disorders may additionally be subject to higher premiums, higher deductibles, and restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

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
(402) 471-2201
Consumer Complaint
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.
Insurance Brochures
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
1-800-383-4278

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
(402) 471-3121
Contact Information
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.