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Authorized Federal Government Partner & Award-winning Agency
We are excited to provide you with a wide range of health insurance 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.
What is Short-Term Health Insurance?
When you find yourself in a transitional period and need temporary health coverage, short-term health insurance plans can provide an affordable solution. Our licensed agents are here to guide you through the process, helping you determine if a short-term plan is the right fit for your needs. We'll assist you in shopping for the best-available short-term plans, ensuring you have the coverage you need during this transition in your life.
Who Should Get a Short-Term Health Plan?
Don't let gaps in health insurance leave you vulnerable—explore short-term health insurance options today. Consider Short-Term Health Insurance If You:
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Experience Employment Change: Coverage during job transitions and loss of employee benefits.
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Don't Qualify for Obamacare: Alternative solution for major medical coverage under the Affordable Care Act.
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Are a College Student: Flexible coverage that fits your schedule and protects you while studying.
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Await Medicare Coverage: Essential interim coverage while waiting for Medicare benefits to begin.
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Explore the benefits of short-term health insurance and find the coverage that aligns with your specific circumstances and healthcare requirements.
How Does Short-Term Health Insurance Work?
Short-term health insurance plans provide temporary coverage during gaps in permanent coverage, safeguarding you from costly medical expenses resulting from unforeseen health changes or emergencies. Eligibility for short-term health insurance includes situations such as job changes, loss of employer-sponsored coverage, waiting for the annual Open Enrollment Period, and attending an out-of-state college.
Temporary health insurance offers proof of coverage necessary for various activities or professions. If you require temporary coverage, our licensed insurance agents will assist you in finding the perfect plan tailored to your specific needs.
Pros of Short-Term Health Insurance:
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Lower costs compared to major medical plans
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Quick effectiveness, usually within 1-14 days
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Easy cancellation, especially with month-to-month payment plans
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Cons of Short-Term Health Insurance:
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No automatic renewal
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Limits on the number of renewals
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Limited coverage for all essential benefits
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Availability varies by state and insurance providers
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​Overall, short-term health insurance provides cost-effective and quickly accessible coverage, but it's important to consider the limitations, renewal restrictions, and potential gaps in coverage before making a decision.
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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:
*** Please Note: Short Term health insurance plans are not qualified under the Affordable Care Act. They do not include new benefits, rights, and protections under the ACA, and are not considered minimum essential coverage. Short-term health insurance plans are limited in duration, and you will stop receiving benefits when the plan expires. Plan duration and whether you can renew or buy a new plan after plan expiration depends on the plan you choose and the laws in your state. If you are accepted for an additional term under a short-term health insurance plan, the plan's deductible and other amounts reset so that amounts paid (or the satisfaction of conditions) under the initial plan are ignored. Similarly, whether you have pre-existing conditions will generally be determined anew as of your approval under the new application.