Cornhusker State, as Nebraska is aptly called, has been known for its locals being strong-willed and hard workers. Also known as Golden Knights, Nebraskan locals had a health issue back in February of 2013. A flu outbreak had been terrorizing nationwide and Nebraska was among the states that were hit.

Easy to neglect, the flu started as a common cold before building its way up to a point that the infected locals had to be hospitalized. Adults and children alike had been infected and over a hundred deaths had been linked with this flu.

Seniors were not spared as well. Over 100,000 people were infected and hospitalized and unfortunately, most of these people were admitted without any health insurance or long-term care insurance. Currently, the average cost of private rooms in Nebraska’s nursing homes costs over $70,000 annually.

One-bedroom assisted living facilities charge a rate of over $3,500 monthly. The 5% inflation rate in long-term care costs shows that these rates are expected to have an increase within the next 20 years.


Average Costs of Long-Term Care Services in Nebraska

To understand why an insurance policy is the best answer to long-term care expenses, it’s important to realize the actual costs of care. The table below compares the average annual costs of care in Nebraska with the nationwide average, taken from the Genworth 2013 Cost of Care Survey.

Type of Care U.S. Nebraska
Median Annual Median Annual
Homemaker Services * $18 $41,756 $19 $44,044
Home Health Aide Services * $19 $44,479 $22 $50,107
Adult Day Health Care ** $65 $16,900 $48 $12,350
Assisted Living Facility *** $3,450 $41,400 $3,360 $40,320
Nursing Home (Semi-Private) ** $207 $75,405 $178 $64,788
Nursing Home (Private) ** $230 $83,950 $198 $72,088

* Hourly rates   |   ** Daily rates   |   *** Monthly rates

View the average costs of long-term care for all major areas in Nebraska.

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Top Nursing Homes in Nebraska

View the top skilled nursing facilities in all major regions in Nebraska, as reported by U.S. News. Nursing homes were evaluated in three categories: health inspections, nurse staffing and quality measures.

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Long-Term Care Partnership Program in Nebraska

In 2006, the Nebraska Long-Term Care Insurance Partnership Program was created by the Legislative Bill 965 and its primary objective is to aid Nebraskans creating a relevant long-term health care decision as well as granting them to keep a bigger amount of their assets whenever Medicaid application is needed.

Nebraska has adopted the Partnership Program once the Deficit Reduction Act (DRA) of 2005 had been implemented. The Partnership Program offers special benefits for the policyholders which includes asset protection, inflation protection, and tax deductions.


Partnership Policy Requirements in Nebraska

Aside from being required to be a certified Nebraskan local, part of the qualifications of getting Medicaid assistance is a Social Security number. Inquiries for further details can be done online, over the phone, sent by fax or getting it through email with a printable version. Sensitive details can only be discussed further within the interview of the application.

Other states that also offer partnership insurance programs can provide accommodation and give reciprocity to Nebraskans who had decided to transfer to their state, thus qualifying the Nebraskan for asset protection.


Partnership Insurance Policy Providers in Nebraska

Here’s a list of insurance carriers licensed to offer Partnership policies in Nebraska:

  • Bankers Life and Casualty Company
  • Genworth
  • John Hancock
  • LifeSecure
  • MassMutual
  • MedAmerica
  • Mutual of Omaha
  • New York Life
  • Northwestern Mutual
  • State Farm
  • Transamerica
  • United of Omaha
  • United Security Assurance Company of Pennsylvania


Request Free LTC Insurance Quotes in Nebraska

Find out how much a long-term care insurance policy costs in Nebraska by filling up our free online assessment form. Compare costs from the top insurance carriers in the country and get information to help you prepare for your future long-term care.

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Nebraska Insurance Offices and Senior Care Agencies

Below are contact information of Nebraska’s insurance departments and offices that enforce laws and regulations regarding all types of insurance in the state, including other agencies that provide insurance information and counseling and that coordinate senior care services.

Nebraska Department of Insurance
Terminal Building, Suite 400, 941 ‘O’ Street, Lincoln, NE 68508
Phone: (402) 471-2201
Fax: (402) 471-4610

Nebraska Division of Aging and, Disability Services
P.O. Box 95026, 301 Centennial Mall-South, Lincoln, NE 68509
Phone: (402) 471-2307
Fax: (402) 471-4619

Nebraska State Health Insurance Assistance Programs
Phone: (402) 471-4506 • In State Only 1-800-234-7119 or 1-800-833-7352
Fax: (402) 471-6559

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