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Health Insurance for the Self Employed Lincoln NE

One of your best options for the self employed health insurance is to join a group or association of self-employed people or professionals in your area.

Senior Market Supplements
(402) 467-0008
3915 Holdrege St
Lincoln, NE
 
Senior Market Supplements
(402) 467-0008
3915 Holdrege St
Lincoln, NE
 
Med One of Nebraska
(402) 932-6331
P.O. Box 12083
Omaha, NE
 
McPike Brian & Christine
(402) 488-5100
8101 O St Ste 201
Lincoln, NE
 
American Family Insurance
(402) 391-6364
8031 W Center Rd
Omaha, NE
 
Midwest Medical Billing Service
(402) 504-4680
11977 South 202nd Street
Gretna, NE
 
Advanced Health Plans Inc.
(402) 312-7997
13520 Discovery Dr. Ste. 217
Omaha, NE
 
Healing Radiance Massage
(402) 880-7618
1216 Howard St
Omaha, NE
 
Mussman Gaylord Ins
(402) 727-4861
1455 N Bell St
Fremont, NE
 
Blue Cross and Blue Shield of Nebraska
(402) 390-1820
7261 Mercy Rd
Omaha, NE
 

Health Insurance for the Self Employed

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Health Insurance for the Self Employed

Are you self-employed? Welcome to the world of entrepreneurs! This is one of the fastest growing areas of today's job market.

While it has advantages to be your own boss, it also has disadvantages. One of those disadvantages can be trying to negotiate individual policies for your health and dental coverage.

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Except, you might not have to do that.

One of your best options is to join a group or association of self-employed people or professionals in your area. These groups often have access to health and dental plans on a group basis that can reduce your premiums, while giving you the kind of insurance you want.

If you can get your insurance through a professional group or association, it could save you a lot of money on your premiums and you are likely to be able to afford better coverage.

Still, always shop around! Talk to representatives of more than one organization. Speak to other self-employed people in your area. Do they belong to any local professional groups or associations? Do they have medical or dental coverage through these groups? Find out what kind of benefit's they receive and, if possible, talk about the costs. If you are speaking to another self-employed person, be sure to ask them if they are happy with the kind of health or dental coverage they have. Don't forget to ask how long they've had this coverage. Sometimes problems only arise with an insurer over time.

Here are some other things to do on your way to finding the right insurance for you:

  • Check with your State Department of Insurance and make sure the insurance company you are considering is licensed in your state.
  • Check the complaint index that most State Insurance Departments compile.
  • If you decide to sign up for coverage, READ THE PROPOSED POLICY FIRST! Read the Policy and Outline of Coverage word for word and ask questions if it does not make sense. Hopefully, the agent who calls on you will be ethical and knowledgeable. However, you have to be prepared that the agent may not be working in your interest.

If you...

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Nebraska State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, ambulatory surgery centers, breast reconstruction, cancer pain medication therapies, cleft lip and palate, colorectal cancer screening, dental anesthesia, dependent coverage (including newborns, adopted children, grandchildren, dependent student/adult, disabled dependent adults, domestic partner and civil union), diabetes (self-management and supplies), emergency room service, facility (public or other), mammography, mastectomy, maternity minimum stay, mental health, newborn hearing screening, newborn sickle cell anemia testing, off-label drug use, TMJ disorder, well child care, chiropractor, dentist, optometrist, osteopath (D.O.), podiatrist, psychologist

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