Best Health Insurance Agencies in Lincoln

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Can individuals use their health insurance while traveling outside Lincoln?

  Yes. Some insurance companies offer health insurance that can be used by policyholders traveling outside Lincoln. An example of this is the Blue Cross and Blue Shield of Nebraska's Blue Card Program. It is a national program that allows members to acquire in-network services while traveling in another state.

• Can self-employed individuals in Lincoln be exempted from health insurance tax deductions?

  Yes, self-employed individuals in Lincoln can be exempted from health insurance tax deductions. They can be eligible for medical, long-term care, or dental insurance premium tax deductions. They can take this deduction if their earnings are reported to them on credits, deductions, Schedule K-1 (form 1065), and Partner's Share of Income. Moreover, they are eligible for health insurance premium tax deductions if they use an optional method to determine their net earnings.

• Is there an open enrollment period for Medicaid in Lincoln?

  In Lincoln, there is no open enrollment period for Medicaid programs, including the Children's Health Insurance Program. Individuals who want to apply for health insurance under the Medicaid Program must submit an application to Nebraska's Medicaid agency. They must provide their name, date of birth, proof of citizenship, and Social Security number. Also, they should prepare their bank statements, rent or mortgage information, and pay stubs.

• In Lincoln, what maternity care services does Medicaid cover?

  Medicaid in Lincoln helps expecting mothers pay their prenatal care expenses and routine checkups. This type of coverage covers ultrasound examinations, prenatal vitamins, and other necessary care during pregnancy. Moreover, it covers care expenses during and after the delivery. Mothers can use Medicaid coverage to pay for follow-up checkups or examinations.

• What are the requirements for employer-provided health insurance in Lincoln?

  In Lincoln, companies with 50 or more full-time employees are required to provide health insurance to their employees. If they fail to follow the Patient Protection and Affordable Care Act's insurance requirements, they might face serious penalties. Meanwhile, companies that have less than 50 full-time employees do not need to purchase health insurance for their workers.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.