Nebraska Health Insurance Guide

This guide:

  • Describes Nebraska health insurance policy regulations.

  • Lists rules Nebraska health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Nebraska health insurance companies and policyholders alike must abide by established insurance laws.

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Nebraska health insurance policy provisions

Some of the most important Nebraska health insurance laws are the ones that influence the health insurance policy specifically. Health insurance policy provisions may be optional, but others are either required or regulated by Nebraska health insurance laws.

For instance, all Nebraska health insurance policies must contain a provision called the guaranteed renewability provision. This policy stipulation ensures that you can renew your existing Nebraska health insurance policy at the end of each term as long as you have not provided any false information on your application and have paid your premiums on time.

Nebraska health insurance policies can include exclusion periods for pre-existing conditions. Exclusion periods can last any amount of time and can even exclude coverage permanently for the pre-existing condition.

Medical conditions that are considered to be pre-existing are determined by the insurance company, but typically include illnesses you have obtained medical care for in the past.

Also, if you choose to change Nebraska health insurance companies, a new pre-existing condition exclusion period can be instituted.

Regulating Nebraska health insurance companies

The other area of importance in regards to Nebraska health insurance laws is the degree of influence your health insurance company has over your policy and its price.

The State of Nebraska health insurance regulations aren't too restrictive, which means, as a policyholder, you need to be more attentive to the precise meaning of your health insurance policy's wording.

For one, the availability and cost of Nebraska health insurance is determined by your health status. However, once you purchase a policy, your Nebraska health insurance cannot be canceled because you become ill.

Also, the cost of Nebraska health insurance is not limited. Nebraska health insurance companies generally charge you the same amount as others with a similar health status but they have the freedom to charge you more.

Since this is the case, it is highly advisable to purchase a good comprehensive Nebraska health insurance policy while you are young and maintain it, thereby avoiding exclusion periods or, even worse, uninsurability.

More NE health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Nebraska small business health insurance.

To find out more about NE health insurance laws and regulations, visit the official website of the Nebraska Department of Insurance.