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Frequently asked Questions:If you can’t find what you’re looking for, please contact us

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Answers to FAQ’s:

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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 Coventry Health and Life Insurance Company, 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 policyholders 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. Please refer to your CHIP PPO Policy and CHIP Policy Amendment for a complete description of covered and non-covered services and supplies.

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 Coventry Life and Health Insurance Company, 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. As the Administrator of the NECHIP Program, Coventry Health and Life Insurance Company  offers you access to the Coventry National Network.  Be sure to access care through a Coventry National Network provider while traveling outside the Nebraska service area in order to receive in-network benefits.

Q. Who administers Nebraska CHIP?
A. Coventry Health and Life Insurance Company (CLHIC) is the administrator of the Nebraska Comprehensive Health Insurance Pool. As the administrator, CLHIC is responsible for determining applicant eligibility, collecting premiums and paying claims.

Q. How is Coventry Heatlh and Life Insurance Company (CHLIC) related to Nebraska CHIP?
A. Coventry Life and Health Insurance Company (CLHIC) is the administrator of the Nebraska Comprehensive Health Insurance Pool. As the administrator, CLHIC 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. PPOs 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”. Please include your name, ID number, new deductible amount, and your signature.

Q. If I drop my Nebraska CHIP coverage, can I reapply?
A. Policyholders that terminate their Nebraska CHIP coverage must wait 12 months before they are eligible to reapply. Some former CHIP policyholders 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. For claim and service questions incurred prior to April 1, 2012 contact Blue Cross and Blue Shield of  Nebraska between 8am and 4:30pm CST.

For current servicing questions and claims incurred April 1, 2012 and later, contact Coventry Health and Life Insurance Toll-Free @ 855-247-5201 or Fax to 866-799-9448 between 8am and 5pm CST.

Q. What are the Nebraska CHIP Customer Service hours of operation?
A. For claim and service questions incurred prior to April 1, 2012 contact Blue Cross and Blue Shield of  Nebraska between 8am and 4:30pm CST.

For current servicing questions and claims incurred April 1, 2012 and later, contact Coventry Health and Life Insurance Toll-Free @ 855-247-5201 or Fax to 866-799-9448 between 8am and 5pm CST.

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. Click here for additional HSA information.

Q. Am I eligible for Nebraska CHIP if I am offered COBRA?
A. If you are offered COBRA, regardless of your election, you are not eligible for Nebraska CHIP until the COBRA period has been exhausted (typically 18 months). If you have been diagnosed with a Nebraska CHIP specified condition, this exclusion is waived. However, you will have a six-month waiting period for pre-existing conditions. The specified conditions are listed on the application.

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