In Nebraska, medical underwriting is allowed without restriction. There is no look back or exclusionary period for preexisting conditions.
There is a high risk pool in Nebraska called the Nebraska Comprehensive Health Insurance Pool. You may be eligible for this pool due to your HIPAA rights or if you are a resident of Nebraska and you have been denied insurance coverage and either have had health insurance with restrictions or limitations for at least 12 months, or have been offered coverage at a higher rate than that of the pool, or have one of the specified health conditions on the pool list.
Coverage under this high risk pool includes doctor visits, prescription drugs, outpatient and in-hospital care, maternity, ambulance, labs and x-rays, skilled nursing care, hospice, home health visits, transplants, rehabilitation, durable medical equipment, mental health and substance abuse, physical, speech and occupational therapy, dental care, vision care, and preventive care. |
Nebraska offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce. |
Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.
Income requirements
Children
Children (ages 1-5)-185% of the Federal Poverty Level
Children (Ages 6-19)-185% of the Federal Poverty Level
Pregnant Women and Infants
Pregnant Women-185% of the Federal Poverty Level
Infants (ages 0-1)-185% of the Federal Poverty Level
Parents
Non-Working Parents-48% of the Federal Poverty Level
Working Parents-56% of the Federal Poverty Level
Other populations
Medically Needy Individual- 55% of the Federal Poverty Level
Medically Needy Couple- 41% of the Federal Poverty Level
Supplemental Security Income Recipients- 74% of the Federal
Poverty Level
Aged, blind, and disabled- 100% of the Federal Poverty
Level
Covered Services
Hospital Services, physician services, laboratory and x-ray services, nurse midwife services, nurse practitioner services, clinic services, family planning, home health services, personal care aide services, medical transportation, ambulance services, chiropractic services, dental services, durable medical equipment, orthotics, prosthetics, medical supplies, prescribed drugs, hearing aids, physical, occupational, speech and audiological therapies, podiatry, psychiatric services for individuals age 21 and older, adult day treatment services, mental health and substance abuse services for children and adolescents, visual care, screening services (Mammograms), nursing facility services, and case management services for adults with mental retardation.
Co-Payments
Co-payments vary between $1-3. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.
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