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Nebraska

Insurance Prohibition for Abortion

Does Nebraska prohibit private insurance plans from covering abortion services? Yes.  Group-insurance contracts and health maintenance agreements providing health-care coverage paid for in whole or in part with public funds may not include abortion coverage, with exceptions only to save a woman's life or to cover medical complications arising from an abortion.  Abortion coverage may be obtained only through an optional rider for which an additional premium is paid.  However, nothing in the act requires an insurer to offer such a rider.  Premium costs for additional abortion coverage must be borne solely by the employee.  Neb. Rev. Stat. § 44-1615.01 (Enacted 1981).

Does Nebraska prohibit plans in its state exchange from covering abortion services?
Yes.  Health-insurance policies, including plans offered in the new state exchange established under health-care reform, may not include abortion coverage, with an exception only to save a woman's life.  Abortion coverage may be obtained outside the state exchange only through an optional rider for which an additional premium is paid.  However, nothing in the act requires an insurer to offer such a rider.  Neb. Rev. Stat. §§ 44-8402, -8403 (Enacted 2011).

Does Nebraska prohibit insurance plans for public employees from covering abortion services?
Yes.  Group-insurance contracts and health maintenance agreements providing health-care coverage paid for in whole or in part with public funds may not include abortion coverage, with exceptions only to save a woman's life or to cover medical complications arising from an abortion.  Abortion coverage may be obtained only through an optional rider for which an additional premium is paid.  However, nothing in the act requires an insurer to offer such a rider.  Premium costs for additional abortion coverage must be borne solely by the employee.  Neb. Rev. Stat. § 44-1615.01 (Enacted 1981).

Does Nebraska prohibit the purchase of extra coverage for abortion services?
No.  Nothing in the law prohibits the purchase of abortion coverage through an optional rider; in theory, women may purchase a separate policy and pay an extra premium to receive abortion coverage.  However, nothing in the law requires an insurer to make such riders available and there is little evidence that insurers offer these products.  Neb. Rev. Stat. § 44-1615.01 (Enacted 1981); Neb. Rev. Stat. §§ 44-8402, -8403 (Enacted 2011).


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