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Q. Do I need to live in Nebraska to qualify for Nebraska CHIP coverage?
A. Regardless of the eligibility qualification you apply for, you must also be a legal Nebraska resident, and must maintain Nebraska residency.
Q. How do I find out about other state's high risk pools?
A. Contact the National Association of State Comprehensive Health Insurance Pools at www.NASCHIP.org.
Q. How do I apply for Nebraska CHIP coverage?
A. To apply for NECHIP coverage complete the Application Form choosing the eligibility and waiver options for which you qualify. Submit the signed form and all requested documentation to Blue Cross and Blue Shield of Nebraska, the NECHIP Administrator. Please note that any missing or incomplete information will cause a delay in the approval process.
Q. Is there a time limit to apply for Nebraska CHIP and qualify under the HIPAA provision?
A. Under the HIPAA provision, applicants must apply within 63 days of termination of prior creditable coverage.
Q. What coverage will I have under my Nebraska CHIP policy?
A.
Nebraska CHIP members are eligible to receive the benefits briefly described in the CHIP PPO brochure. These benefits include: - Hospital room and board and Physician charges
- Hospital preadmission testing
- Anesthetics and their administration
- X-ray and lab including routine screening mammograms
- Medical supplies & equipment
- Ambulance service in an emergency
- Prescription drugs
- Skilled Nursing Facility, Hospice, and Home Health care
- Physical, Speech, Occupational, and Home Infusion therapy
- Cardiac and pulmonary rehabilitation
- Inhalation therapy including oxygen and equipment for its administration
- Renal dialysis
- Mental illness, drug abuse and alcoholism
- Diabetes education
- Oral surgery
- Organ and tissue transplants
- Routine care benefits
- Maternity care (Optional)
- Newborn coverage
Please refer to your CHIP PPO policy for a complete description of covered and non-covered services and supplies.
Q. When will my Nebraska CHIP coverage start?
A. Treatment of a pre-existing condition is a non-covered service until your Nebraska CHIP policy has been in effect for at least six months. However, this pre-existing condition exclusion may be waived. More information on exclusion waivers is available in the CHIP PPO Brochure on pages 3 and 4.
Q. How do I pay my Nebraska CHIP monthly premium?
A. Premium payments are required on a monthly basis due on the first of each month. Two payment options are available. You can select to receive a monthly bill directly from Blue Cross and Blue Shield of Nebraska, the NECHIP administrator. Or, you can authorize payment through a monthly bank debit. Please contact us to change your NECHIP payment method.
Q. Can I receive health care outside the State of Nebraska?
A. The Nebraska CHIP administrator, Blue Cross and Blue Shield of Nebraska, offers you access to a national PPO network called the BlueCard Program. This program allows you to access your benefits wherever you are. To locate a BlueCard PPO Provider nationwide call 1-800-810-BLUE (2583) or access the web at http://www.bcbs.com/.
Q. Who administers Nebraska CHIP?
A. Blue Cross and Blue Shield of Nebraska (BCBSNE) is the administrator of the Nebraska Comprehensive Health Insurance Pool. As the administrator, BCBSNE is responsible for determining applicant eligibility, collecting premiums and paying claims.
Q. How is Blue Cross and Blue Shield of Nebraska (BCBSNE) related to Nebraska CHIP?
A. Blue Cross and Blue Shield of Nebraska (BCBSNE) is the administrator of the Nebraska Comprehensive Health Insurance Pool. As the administrator, BCBSNE is responsible for determining applicant eligibility, collecting premiums and paying claims.
Q. What kind of coverage will I have under my Nebraska CHIP policy?
A. Nebraska CHIP offers coverage through a Preferred Provider Organization or PPO. PPO’s are special arrangements between an insurer and a network of hospitals, doctors and health care providers. If you see a provider who belongs to the PPO network, your out of pocket cost will be less. If you see a provider who is not in the PPO network, benefits for covered services are still available, but are subject to the non-PPO deductible and coinsurance.
Q. Am I eligible for Nebraska CHIP coverage if I also have Medicare or Medicaid?
A. If you are eligible for Medicare (by reason of age), Medicaid or other medical assistance, you cannot purchase Nebraska CHIP coverage. If you have Nebraska CHIP coverage, it will terminate when you become eligible for Medicaid or Medicare by reason of age. If you become eligible for Medicare for a reason other than age, you will continue to be eligible for Nebraska CHIP coverage.
Q. How long will it take to process my Nebraska CHIP application?
A. Once all information is received, including any additional information we might request, it takes approximately seven to ten working days.
Q. Can I change the Nebraska CHIP deductible amount I have chosen?
A. You may increase your deductible amount at any time, however, you can never decrease your deductible. To make this change, we will need your request in writing. Download our "Deductible Change Request Form" from our CHIP Members page. Please include your name, ID number, new deductible amount, and your signature.
Q. If I drop my Nebraska CHIP coverage, can I reapply?
A. Members that terminate their Nebraska CHIP coverage must wait 12 months before they are eligible to reapply. Some former CHIP members may be eligible for a waiver of the 12 month waiting period. Contact us to find out if you qualify for a waiver.
Q. How do I contact Nebraska CHIP Customer Service?
A. The Nebraska CHIP Customer Service Department is available Monday through Friday from 8:00 am to 4:30 pm Central Standard Time. Our toll free number is 1-877-348-4304 and our local number is 1-402-343-3574.
Q. What are the Nebraska CHIP Customer Service hours of operation?
A. The Nebraska CHIP Customer Service Department is available Monday through Friday from 8:00 am to 4:30 pm Central Standard Time. Our toll free number is 1-877-348-4304 and our local number is 1-402-343-3574.
Q. What is a Health Savings Account?
A. An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account is opened to cover current and future medical expenses. The money deposited, as well as the earnings, is not taxable. The funds can then be withdrawn to cover qualified medical expenses tax-free. Unused balances roll over from year to year.
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