In Nebraska, workers are allowed to continue on their employer’s health insurance plan if that coverage would end for any reason. This right is made available by the federal COBRA act for employers with 20 or more employees.
When you elect to continue your health insurance under COBRA, you are responsible for the entire insurance premium. You will need to arrange the continuation of health insurance coverage with the former employer’s HR department. Many larger employers use third-party administrators (TPAs) for managing these health benefits. Under law, they are allowed to charge a 2% administration fee.
Nebraska Has A Mini-COBRA Law
Businesses in Nebraska with 2 to 19 employees, must make available their group health insurance plan after a worker leaves their employment. This is regardless if they volunatarily quit or were terminated.
The qualifying events for Nebraska’s Mini-COBRA law are the same as the federal law. The allowed amount of time an individual may continue on an employer’s group plan under the state law is 12 months. Wheras federal COBRA allows individuals up to 18 months.
Specifically written into Nebraska’s law is that employers and insurance carrier may not deny insurance continuation for pre-existing conditions. An exception in Nebraska’s law for small business employers is that they may waive the pre-existing exclusion under specific circumstances and restrict particular services for the total amount of time an individual had been covered by their health insurance plan.
Affordable Temporary Health Insurance
If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.