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Option of Medical Plans Available in Nebraska

September 23rd, 2022

Getting medical plans in Nebraska should not be a hectic task for the residents given the number of options available. Lots of companies offer affordable medical plans in various modes. Apart from discussing the publish health insurance options in Nebraska,Guest Posting we would talk about individual companies offering medical insurance plans in Nebraska and some of the other available options.
Public medical insurance programs in Nebraska
For low-income individuals and families, the public Nebraska health insurance assistance programs could be a good source of help. Some of the programs are:
• Medicaid
Medicaid medical plan provides insurance to low-income residents and disabled citizens of Nebraska.
• Kids Connection
Being an extension of Medicaid, it offers health insurance to kids who do not qualify for Medicaid due to income eligibility limits. Children up to age 19 can receive coverage from Kids Connection.
• The Every Woman Matters Program
Like many other states, Nebraska’s low-income women can receive free screening for breast and cervical cancer through this program. Later on, if they are diagnosed with cancer, they will receive benefits through Medicaid for treatment.
Private companies offering medical plans in Nebraska
• Celtic Health Insurance
The company offer individual health insurance in variety of medical plans geared towards individuals and families.
• Humana Health Insurance
Humana offer affordable health insurance options to residents of Nebraska.
• Time Insurance Health Insurance
Time Insurance is known as Assurant Health nowadays. It offers medical plans to individuals, students, families, senior citizens, and businesses.
• Golden Rule Health Insurance
Like other famous private insurance companies of Nebraska, Golden Rule offers customized health insurance plans to individuals and families.
• World Insurance – Brokerage Health Insurance
World Insurance – Brokerage is one of the leading insurance companies in Nebraska. They have an extensive network of doctors and hospitals at the disposal of their members.
• ANTEX Health Insurance
ANTEX is a very famous health insurance provider in Nebraska and offers variety of medical plans.
• John Alden Health Insurance
As a part of Assurant, John Alden medical plans include individual health and small group coverage. They also sell Health Savings Account (HSA) plans.
• United Security Life Health Insurance
United Security Life offers wide variety of individual health plans for individuals and families.
• Aetna Health Insurance
Aetna, famous in the whole of US offers comprehensive health insurance plans in Nebraska. They have over 787,000 health care professionals in their network making them one of the biggest medical insurers in the country.
• WorldIns – ExpressMed Health Insurance
World Insurance offers various medical plans including dental insurance plans also.
• Time Short Term Health Insurance
Like John Alden, Time Short Term health insurance is also offered through the Assurant name. Time Short Term, as clear from the name itself, provides comprehensive coverage for a temporary period of time at affordable rates.
• MEGA Life and Health Insurance Company
MEGA Life and Health Insurance Company provides personalized medical plans meeting the needs of the consumers.

Nebraska Car Insurance Guide – Steps to Finding Cheap Nebraska Car Insurance Rates

March 15th, 2022

It is very important to make sure that you have proper Nebraska car insurance coverage if you are a Nebraska resident. The state of Nebraska chose the honey bee as their state insect probably because it is so industrious. You may want to mimic the behavior of this busy bee and shop around for car insurance if you live and own a car in the state of Nebraska.

Nebraska follows a Tort system of law in regards to car accidents. This means that someone must be found to be at fault for causing the accident, and that person and their car insurance company is responsible for all damages.

Nebraska state law only requires that you carry liability car insurance. The state requirements are Bodily Injury Liability in the amount of $25,000 per injured person up to $50,000 per accident.

You must also have Property Damage Liability car insurance coverage in the amount of $25,000. Keep in mind that if you are found to be the cause of an accident, you will be held personally and financially responsible for any and all damages and medical expenses that is not covered by insurance. Medical expenses and car repair costs add up fast, so you may want to purchase more than the minimum amount of car insurance required.

For more information on the required amount of insurance, or if you have any questions about Nebraska’s car insurance requirements, you can call the Nebraska Department of Insurance located in Lincoln or speak with a licensed Nebraska auto insurance agent.

While not required by Nebraska law, you may want to purchase comprehensive car insurance coverage. If you are in an accident, comprehensive car insurance will pay for repairs up to the Blue Book value of the car, and if the costs will be in excess of this amount the car will be deemed to be totaled and you will receive the cash value of the car. Comprehensive coverage may be required by your bank or other financial institution if you have a car loan or lease your vehicle. In some cases gap insurance might be a good idea as well. Gap car insurance will help make up the difference between what is paid by comprehensive car insurance and what is owed on your loan if your car is found to be totaled in an accident.

Also not required by the state of Nebraska, you may want to purchase collision car insurance coverage. Collision coverage will pay for the repairs to your car, minus your deductible, in the event you are involved in an accident.

Personal Injury Protection, commonly called PIP insurance added to your car insurance coverage will help pay for reasonable and necessary medical expenses for you and your passengers. While Nebraska state law does not require Personal Injury Protection, you may want to seriously consider this type of coverage. Personal Injury Protection car insurance will help with medical expenses, lost wages, and replacement services for any injuries to you and your passengers if you’re involved in a car accident.

You might also want to consider underinsured/uninsured car insurance coverage. This type of coverage protects you if you or your passengers are injured in an accident caused by a driver who has no insurance, or is underinsured. Underinsured/uninsured car insurance coverage will pay for such things as medical expenses, lost wages, other general damages, and injuries sustained in hit-and-run accidents.

The Nebraska Department of Motor Vehicles uses the phrase proof of financial responsibility in some of its forms and documents. This means the state wants to see documentation proving that you have a valid car insurance policy that will cover any personal or property damages you may cause in a car accident.