Affordable Health Insurance In Nebraska
If you live in Nebraska and are in need of healthcare coverage, you may have somewhat of a challenge ahead of you. Finding quality Nebraska health insurance in 2019, is not as simple as it may seem. The problem is, it can be quite difficult finding a knowledgeable
insurance professional that is willing to take the time to sort through the myriad of health plan choice that are available to you. And going it alone, in an increasingly confusing health plan marketplace, is a prescription for a potential disaster
The good news is, we are health plan experts with a wealth of experience. We are just a phone call away and are here to help.
There are a number of factors that you will want to consider when attempting to purchase that ideal health care plan for you or your family. The first item on your list should be which type of health plan should you consider - HMO, PPO, POS, EPO, etc.?
Are you looking for an Affordable Care Act plan, or are you looking for a wider range of options?
Good to know: Get assistance from a health care broker. Having someone help with the legwork who understands what you need, can make a major difference. Insurance agents can only help you with the products offered by the company they work for. Brokers can access the products of multiple companies in order to find the right plan for your needs. Brokers do not work for insurance companies, they actually work for you.
Short Term Health Insurance
Even better, brokers are usually paid by the insurance company, making it possible for them to work for you at no cost.
You may want to add short-term insurance to your list of options. Short-term insurance is not so short anymore.
Thanks to new government guidelines, there are now short-term insurance policies in parts of the country that you can keep up to a year or more. In addition, the benefits of many of these short term policies have been significantly improved.
While short term health insurance plans do not offer the comprehensive level of insurance coverage of an Affordable Care Act Health Insurance plan, the features and benefits
are now more comparable. And short term health insurance plan pricing tends to be more affordable. In many cases, a short term health plan can be the ideal health insurance fit. Get an instant short term health insurance plan rate quote
Healthcare Sharing Plans
There are also healthcare sharing plans. Consumers are choosing healthcare sharing plans, (also known as faith based health plans), over traditional insurance in ever increasing numbers. A Healthcare sharing plan is not an insurance plan - at least not in the legal sense of the word.
These plans are designed to meet the same needs as traditional health insurance. The difference is, these plans are not governed by the ACA (Affordable Care Act) rules and regulations. The result is an umbrella of health plan
options that can offer a benefit structure that is different than what is available via an Affordable Care Act plan. These plans are noted by their flexibility and affordability. Get an instant Healthcare sharing plan rate quote
All of the above options are available in Nebraska. You need only to choose which health plan option will best suit your needs. Because health insurance is such an important necessity, you should seek the assistance of a licensed insurance professional.
Good to know: Take advantage of free screenings. Every community has health fairs that offer free screenings for diabetes, HIV, high blood pressure and other maladies. By law, ACA-compliant insurance plans offer a number of screenings with no copays. These screenings can save you hundreds of dollars.
One of the simplest means of acquiring a health plan, is to purchase a plan on Healthcare.gov. To purchase a plan via Healthcare.gov, you will need to apply during the open enrollment period. This period is normally about a month and a half long,
and occurs during the fall of every year. This is the only time you may enroll unless you qualify for enrollment due to special circumstances. If you fall within a certain specific income bracket, you may qualify for subsides, which are income-based discounts on the monthly premiums.
There are several health plan options that are available to you, that are not part of the Affordable Care Act portfolio. They include short-term health plans, (which are not so short anymore) and healthcare sharing plans, (Sometimes referred to as faith-based health plans).
After deciding on where you plan to purchase your health insurance, the next step is to decide which type of plan is best for you. These plan types include: Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization, or a Point of Service Plan (POS), and more.
The structures of the various plans can be quite different. Be sure to seek assistance from a licensed health insurance agent. The impact of purchasing the wrong plan can be emotionally and financially significant.
Good to know: When selecting a health plan for you or your family, don't just choose the one with the lowest monthly premium or the one you had before. Plan benefits can change from year to year - in some cases, significantly. Your individual or family needs can also change. For example, the addition of a new prescription drug utilized by a family member, can significantly alter the cost / benefit ratio of any health insurance, or healthcare sharing plan. Jot down your family's average number of doctor visits per year, routine prescriptions, dental cleanings, and other services. Compare what you'd pay over an entire year for these items on each plan option that is available to you. And don't forget to factor in monthly premiums and deductibles.
|University of Nebraska Medical Center
S. 42nd St and Emile St
Omaha, NE 68198
Telephone: (402) 559-4000
Plus Code: 723F+WP Omaha, Chicago, NE
Once you have selected a plan type you desire, you should look at the size of the health care network and estimated out-of-pocket costs. An insurance plan summary will lay out how much you may likely pay out of pocket,
for deductibles, copayments, and co-insurance, should you encounter a medical circumstance. Generally, the lower the premium the higher your out-of-pocket-costs.
The final step is to compare plan benefits with your family's specific medical needs. This consists of making sure that the plan provides for any needed medications, coverage during travel, and any reoccurring care required.
Other articles:Explaining The Growth of Healthcare Sharing Healthplans
Finding Short-Term Health Insurance.