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Authorized Federal Government Partner & Award-winning Agency
We are excited to provide you with a wide range of health insurance options, including Affordable Care Act (ACA) plans from reputable companies in Nebraska. Our aim is to help you find the best coverage that suits your individual, family, or small business needs. We understand the challenges that come with selecting the right plan and are dedicated to ensuring a seamless and stress-free process for you.
Understanding How the Health Insurance Marketplace Provides Coverage for Medical Expenses
We understand that navigating health insurance, particularly under the Affordable Care Act (ACA), can be overwhelming. While health insurance is designed to cover your medical expenses through monthly or yearly premiums, it's essential to be aware of the costs that come with it, especially during open enrollment.
It's common for health insurance plans in Nebraska, as mandated by the ACA, to include additional charges such as deductibles, copayments, and coinsurance that you should keep in mind when selecting a plan. Being informed about these factors can help you make an informed decision and choose an affordable health insurance plan that best suits your needs and budget during the open enrollment period.
Annual Deductible: This is a predetermined limit that you pay before your insurance coverage begins. This is a small price to pay for the peace of mind of knowing that your insurance company will start covering your medical expenses once you've reached this limit.
Copays: These are typically charged for each medical service you receive, such as a doctor's visit, urgent care, and prescription medicine, making it easy to manage your healthcare costs.
Coinsurance: This is a percentage of your medical bill that you pay after you've met your deductible. It's a small contribution on your part, and your insurance company covers the remaining portion.
Out-Of-Pocket Maximum: This is a predetermined cap on your healthcare expenses for the year, which includes deductibles and other costs. Once you reach this threshold, your insurance company covers your medical expenses in full, which helps provide financial security and peace of mind.
Nebraska Marketplace Plans To Meet Your Needs and Budget
We believe that everyone deserves access to affordable healthcare that fits their individual needs and budget. That's why we offer a variety of Nebraska plans at different price levels. Our goal is to help you find a plan that is perfectly tailored to your unique situation, whether you are an individual with minimal healthcare needs or part of a large family with more extensive requirements. Let's explore some of the key features and benefits of each plan:
Bronze: This plan typically has the lowest monthly premium, making it an affordable option for those who need coverage for major medical expenses, such as serious illnesses or injuries. While it may have a higher deductible, it provides protection from unexpected healthcare costs.
Silver: This plan has moderate monthly premiums and can be a good choice for those who anticipate moderate medical needs throughout the year. With a lower deductible than bronze plans, this option provides greater financial protection.
Gold: This plan may have higher monthly premiums, but it offers lower costs when medical care is needed. It also typically has a lower deductible than silver or bronze plans, making it a good option for those who require regular medical care.
At Health & Life Insurance Pros, our agents are here to help you with all your health coverage needs. We have over 20 years of experience in helping people just like you find the perfect health insurance plan, so don't hesitate to start a conversation with us today!
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Will Medicaid's "unwinding" of continuous coverage affect me?The "unwinding" of Medicaid's continuous coverage has raised concerns among millions of people, including those who are still eligible for Medicaid, as it may result in the loss of coverage or gaps in coverage. This poses several challenges for enrollees, such as confusion around renewal procedures, difficulty transitioning to other coverage, and dealing with the loss of coverage, which may lead to a gap and require them to reapply for Medicaid. Those who haven't updated their contact information may not receive notice of renewal, and renewal forms may be confusing, with unclear action steps. Additionally, not all states permit online or phone renewals. Enrollees who are no longer eligible for Medicaid may not be aware of their options to obtain coverage through the Affordable Care Act marketplace or how to enroll. Contact us today at (402) 204-8248 to discuss your Medicaid renewal strategy!
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How do I apply for Medicaid in Nebraska?To enroll for Medicaid in Nebraska, you can submit an application online or by phone at any time of the year. If you're under 65 and don't have Medicare, you can enroll online at HealthCare.gov or connect with one of our agents at (402) 204-8248. Enrollment is also available through ACCESSNebraska and their Do I Qualify screening tool can help determine your eligibility for other public programs. If you're 65 or older or have Medicare, you can apply online or by calling (855) 632-7633.
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What exactly does NE Medicaid cover?Nebraska Medicaid provides comprehensive coverage for medically necessary services, including ambulance travel, chiropractic services, dental care, durable medical equipment and supplies, family planning, early and periodic screening, hearing aids, home health services, hospice, hospital services, intermediate care facilities for persons with intellectual disabilities, institutes for mental disease, lab tests and X-rays, mental health and substance abuse services, non-emergency medical transportation, nursing facility services, physician services (with some exclusions), personal assistance for disabled persons, podiatry, prescription drugs and some over-the-counter medicines, screening services, therapy, and vision services. However, there may be limitations on these services, and coverage is subject to change each year.
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What's Nebraska Medicaid eligibility and income criteria for 2023?The eligibility criteria for Nebraska Medicaid in 2023 is primarily determined by household income and family size, and certain resources are not counted towards income. This includes a home, one vehicle, business-related property, and certain burial funds. The first $4,000 in resources ($6,000 for couples and additional $25 per family member) are also excluded. Children under 18 are not subject to income analysis. To qualify, you must have an annual household income (before taxes) that falls below these amounts:
***HealthCare.gov Disclaimer: This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the Federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.