State Guides

Nebraska

Nebraska residents are now able to purchase quality health insurance plans available from Pivot Health. These plans, described below, offer individuals and families in the Cornhusker State the ability to choose the benefit structure that best meets their insurance coverage needs and budget.

  • Short Term Health InsuranceAlso known as short term medical, or temporary health insurance, this plan provides comprehensive benefits coverage for physician visits, in-hospital care, urgent care facility visits and much more. No provider network restrictions enable insureds with this plan to seek treatment from any doctor or hospital to access benefits. Pivot Health’s fast, user-friendly online application process means that you know within minutes of applying if you’ve been approved for coverage.  Qualified applicants may choose any coverage start date – even within 24 hours after you apply.  
  • Supplemental Insurance CoverageDo you find yourself burdened by your major medical insurance plan’s high deductibles or costly coinsurance rates?  Then supplemental – also called “gap” – insurance coverage may provide you the financial support you need.  The cash benefits provided by a supplemental coverage plan help you pay out-of-pocket medical expenses, such as insurance deductibles, copayments or coinsurance.  The cash payments provide you the flexibility to decide how to use them – you may use the cash for any expenses you incur due to a serious illness or accident.  Designed to work with your primary major medical coverage – whether you have an individual plan or employer-sponsored coverage – a supplemental insurance plan helps you protect your financial security from costly expenses related to medical care.

Pivot Health membership packages also provide you many additional non-insurance benefits, including:  

Unlimited access to discounted telehealth doctor consultations.  Why spend your time sitting in a waiting room?  Instead, connect directly with a doctor at whatever time of day it works for you – telehealth is available 24/7.  And it saves money compared to a standard office or urgent care facility visit.

Discounts on eye care and eyewear.  With savings of 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses, it’s never been so affordable to maintain good ocular health.  

Significant savings on prescription drugs.  Enjoy discounts of up to 75 percent on prescription drugs at thousands of pharmacies across the nation.

Health Exchange Challenges in Nebraska

A recent County Health Rankings report shows that approximately 13 percent of Nebraska residents under the age of 65 have no health insurance, which is higher than the average national uninsured rate of 9.1 percent.  Uninsured rates vary by county:  Washington County reports an 8 percent rate, while Hayes County’s rate is more than four times higher, at 33 percent.

Premium adjustments for exchange plans in 2017 spiked drastically in Nebraska, increasing an average of 35 percent.  A report by the Nebraska Department of Insurance showed premium increases ranging from 12 percent to nearly 50 percent.  For the 10 percent of Nebraskans who purchase exchange plans but don’t receive federal premium subsidies, and for those who buy off-exchange plans, the skyrocketing premium prices are staggering.

Analysts say that changes in exchange insurance carriers are partly to blame for premium rate hikes.  Blue Cross Blue Shield and UnitedHealthcare both exited the individual plan exchange at the end of 2016.  This resulted in more than 35,000 insureds scrambling to find new coverage with the only two insurance carriers remaining which offer individual exchange plans in Nebraska for 2017.  

In addition to insurance carrier changes, an underestimation of the claims experience for the exchange policies have also contributed to rising premium rates.  Insurers have noted a trend of people buying insurance when they need it, running up big medical bills and then canceling their coverage to avoid paying premiums.  

A higher-than-national rate of uninsured residents, reduced insurance carrier choices, and skyrocketing premium rates all underscore the importance of offering Nebraska residents access to a broader range of health insurance choices.  

  • Pivot Health’s short term health insurance enables Nebraskans to purchase comprehensive coverage at a fraction of the cost of major medical insurance coverage – with no provider network restrictions.
  • Pivot Health’s supplemental health insurance provides Nebraska residents the opportunity to select insurance designed to provide financial protection against the coverage gaps of high deductible major medical insurance plans.  This supplemental insurance – also called “gap” coverage – helps insureds pay for high deductibles, out-of-pocket costs, coinsurance, copayments, and other costs that they typically incur before their high deductible major medical plans begin to pay benefits.

A Report on Nebraska’s Well-Being

A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state.  Nebraska ranked 15th out of the 50 states, based on survey responses to questions covering different categories of well-being.  

Nebraska residents reported lower-than-average ratings for the following categories (ranked 30th and 32nd, respectively) for:

  • Physical – having good health and enough energy to get things done daily
  • Social: having supportive relationships and love in your life

However, Nebraska made the Top Ten List with their positive rankings in these categories (ranked 7th, 8th and 10th, respectively):

  • Purpose: liking what you do each day and being motivated to achieve your goals
  • Financial: managing your economic life to reduce stress and increase security
  • Community:  liking where you live, feeling safe and having pride in your community

The State of Health in Nebraska  

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Nebraska an overall ranking of 15 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.

The Commonwealth Fund’s Scorecard rated Nebraska in several areas, including:

  • Uninsured adults aged 19 to 64: 23rd ranking (11 percent in Nebraska, compared to U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  26th ranking (5 percent, the same as the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  21st ranking (12 percent in Nebraska, compared to the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  15th ranking (13 percent, compared to U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  36th ranking (16 percent in Nebraska, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year: 27th ranking (16 percent, the same as the U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  28th ranking (67 percent in Nebraska, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  4th ranking (72 percent, compared to U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 33rd ranking (21.6 in Nebraska, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 41st ranking (16.1 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  22nd ranking (13.4 percent in Nebraska, compared to the U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations:  3rd ranking (21 percent, compared to the U.S. average of 26 percent)
  • Adults who smoke:  21st ranking (17 percent in Nebraska, the same as the U.S. average of 17 percent)
  • Adults who are obese: 30th ranking (31 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 18th ranking (29 percent in Nebraska, compared to the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  10th ranking (8 percent, compared to the U.S. average of 10 percent)

Nebraska had positive ratings in many other categories, including:

  • Adults receiving age-appropriate vaccines
  • Children with medical and dental preventive care visits in the past year
  • Children ages 19-35 months who received all recommended doses of seven key vaccines
  • Medicare patients whose health provider always listens, explains, shows respect and spends enough time with them
  • Hospitalized patients are given information about what to do during their recovery at home
  • Home health patients who improved at walking or moving around
  • A lower-than-national-average rate of hospital admissions for children with asthma

2017 Health Insurance Plans in Nebraska

The Nebraska Department of Insurance confirmed that the following companies are the two remaining individual health insurance carriers on the exchange for 2017:

  • Aetna
  • Medica

Pivot Health offers in Nebraska:

  • Short term health insurance
  • Supplemental health insurance

Medicaid in Nebraska

Nebraska is one of 19 states that have chosen not to expand Medicaid under the terms of the Affordable Care Act (ACA).  A recent Kaiser Family Foundation study reported that there are approximately 19,000 Nebraskans in the Medicaid “coverage gap.”  These residents have income too high to qualify for traditional Medicaid benefits, yet their income is too low to qualify for subsidies to help pay for insurance plans purchased on the exchange.

The Nebraska state legislature has developed several proposals to expand Medicaid in different ways over the past six years, such as using federal money offered under the ACA to purchase private insurance for low-income Nebraskans, rather than enrolling them in Medicaid.  However, all expansion efforts have been rejected by the legislature to date.  

Your Health Care Coverage Choices

If you are a Nebraska resident and do not have health insurance:  Pivot Health’s short term health insurance offers you the choice of comprehensive medical coverage to meet your benefit and budget needs.

If you are a Nebraskan and have a high deductible health insurance plan:  Pivot Health’s supplemental insurance can help relieve the burden of costly out-of-pocket expenses, such as deductibles, coinsurance, copayments and more.

Pivot Health: offering you choices and flexibility that pivot to meet your needs over time.