ObamaCare in Nebraska
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About Obamacare in Nebraska
Health insurance programs have recently undergone major changes. The Affordable Care Act, also known as Obamacare, introduced new rules to the insurance business and also extended Medicaid benefits. Its main purpose is to provide affordable healthcare under fair conditions to all Americans.
Almost anyone in Nebraska can get coverage through NE Obamacare as long as they don’t have any other insurance plan active, and enroll during the established dates. Nebraska small business owners can also apply to get healthcare benefits for their employees.
NE Obamacare created the Marketplace, a website in which insurance companies can offer their products, and customers can compare and purchase healthcare plans. To access the marketplace go to: HealthCare.gov and create an account. More than 9 million people have already purchased health insurance with the benefits of the Affordable Care Act.
Individual & Family Coverage
You can get healthcare coverage for you or your family in Nebraska during the Open Enrollment Period. The last period ended March 31, but there is a new period coming on November 15. Starting on that date, you will have until February 15, 2015, to get coverage through a plan from the Marketplace.
There are different types of plans available to you depending on how much you will need to use your insurance. You can select from Bronze, Silver, Gold or Platinum plans. Bronze and Silver plans have higher premiums than Gold and Platinum, but the latter ones offer you better pricing on your copays. You should choose the plan that is best for you. If you have kids, they can also get covered by your plan until they turn 26 years old.
All of the plans will give you basic coverage, plus each insurance company may also include a few extras with their products. The basic coverage includes hospital stays, transportation to the emergency room, doctor visits, prescription drugs, lab tests, care before and after a baby is born, mental health and substance disorder treatments, preventive services and pediatric care. Any equipment you need to treat an illness or injury is also included within all the plans.
When you are ready to sign up for Obamacare in Nebraska, you will have to visit HealthCare.gov, and apply for a plan. The website helps you compare different plans and choose the best option according to your needs. You will need to create an account on the website before enrolling.
If you missed the Open Enrollment Period, you can check if you qualify for Medicaid, even if you were not eligible in the past. The Affordable Care Act modified a few Medicaid requirements and you may have become eligible in the process. There is also a Special Enrollment Period whenever you face major life events such as getting married, divorced, have or adopt a child, etc. In all these cases you can still apply to get Obamacare in Nebraska. If not, you will have to wait for the next enrollment period and pay penalties.
Small business owners in Nebraska can also get health insurance for their employees. Your company may qualify if it employs 50 people or less. However, you are not required to provide healthcare insurance if you own a small business with less than 50 employees.
You can get insurance for your employees during the first days of each month, up to the 15th. Your actual coverage usually starts the first day of the following month. You can enroll through an agent or broker or directly with an insurance company. To get an estimate of how much you will have to pay with your plan, go to: https://www.healthcare.gov/find-premium-estimates.
The modifications introduced by the Affordable Care Act makes it now illegal for an insurance company to reject your application or deny coverage due to pre-existing conditions such as diabetes, cancer or chronic illness, making insurance more accessible to everyone.
The old plans that you could get directly with an insurance company are still allowed to deny you coverage due to pre-existing conditions. Those plans are now grandfathered, but if you want, you can keep them. Also, if you would like to switch to Obamacare in Nebraska, you can do it during the Open Enrollment Period or when your insurance year expires.