Nebraska

Written By Jerdon Johnston

Citizen Guide for Nebraska

Understanding Your Healthcare Options in Nebraska

Navigating healthcare coverage can feel overwhelming, but Nebraska provides several programs to ensure residents have access to quality care. Whether you are uninsured, underinsured, or seeking assistance with medical costs, this guide will help you explore your options.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in Nebraska.

  • You need financial assistance for medical costs.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in Nebraska

1. Medicaid & CHIP

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.

  • How to Apply? Visit ACCESSNebraska or apply through the federal marketplace.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Anyone who does not receive insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive coverage, including preventive care, emergency services, and mental health care.

  • How to Apply? Visit HealthCare.gov or Nebraska’s state exchange portal.

3. Medicare

  • Who Qualifies? Individuals aged 65+ or those with certain disabilities.

  • What It Covers?

    • Part A: Hospital stays

    • Part B: Doctor visits

    • Part D: Optional prescription drug coverage

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

Many Nebraska employers offer group health insurance plans, often covering a portion of the premium. If you have a job, check with your employer about available health benefits. COBRA may be available for those who recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

These plans provide temporary coverage or fill gaps in traditional insurance. Options include:

  • Short-term health plans for temporary needs.

  • Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

  • Premium Tax Credits – Reduce the cost of ACA marketplace plans.

  • Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.

  • State-Specific Assistance Programs – Nebraska offers additional subsidies for eligible residents.

Where to Get Help

  • Nebraska’s Health Insurance Marketplace – Compare and enroll in ACA plans.

  • Medicaid Office – Apply for Medicaid or CHIP based on your eligibility.

  • Local Community Health Centers – Get low-cost or free healthcare services.

  • Tsunami Advisors – Personalized guidance to find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today!

 
Jerdon Johnston