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2,111 sections in this chapter.
Neb. Rev. Stat. § 44-6408 Motor vehicle liability policy; uninsured and underinsured motor vehicle insurance coverages; when required.
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(1) No policy insuring against liability imposed by law for bodily injury, sickness, disease, or death suffered by a natural person arising out of the ownership, operation, maintenance, or use of a motor vehicle within the United States, its territories or possessions, or Canada …
Neb. Rev. Stat. § 44-6409 Maximum liability; limits of liability; how construed.
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(1) The maximum liability of the insurer under the uninsured motorist coverage or the underinsured motorist coverage shall be the amount of damages for bodily injury, sickness, disease, or death sustained by the insured less the amount paid to the insured by or for any person or …
Neb. Rev. Stat. § 44-6410 Stacking of coverage; prohibited; exception.
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Regardless of the number of vehicles involved, persons covered, claims made, vehicles or premiums shown on the policy, or premiums paid, the limits of liability for uninsured or underinsured motorist coverage for two or more motor vehicles insured under the same policy or separat…
Neb. Rev. Stat. § 44-6411 Maximum amount of recovery; multiple policies; priority of payment.
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(1) In the event an insured is entitled to uninsured or underinsured motorist coverage under more than one policy of motor vehicle liability insurance, the maximum amount an insured may recover shall not exceed the highest limit of any one such policy. (2) In the event of bodily …
Neb. Rev. Stat. § 44-6412 Insurer; payment; rights of insurer; agreement to settle; notice; subrogation.
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(1) In the event of payment under the uninsured or underinsured motorist coverage, the insurer making such payment shall, to the extent of such payment, be entitled to the proceeds of any settlement or judgment to the extent such settlement or judgment exceeds the amount paid und…
Neb. Rev. Stat. § 44-6413 Uninsured and underinsured motorist coverages; exceptions; exclusions; requirements; rules and regulations.
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(1) The uninsured and underinsured motorist coverages provided in the Uninsured and Underinsured Motorist Insurance Coverage Act shall not apply to: (a) Bodily injury, sickness, disease, or death of the insured with respect to which the insured or his or her representative makes,…
Neb. Rev. Stat. § 44-6414 Rules and regulations.
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The Director of Insurance may adopt and promulgate rules and regulations to carry out the Uninsured and Underinsured Motorist Insurance Coverage Act.
Neb. Rev. Stat. § 44-6501 Act, how cited.
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Sections 44-6501 to 44-6510 shall be known and may be cited as the Pet Insurance Act.
Neb. Rev. Stat. § 44-6502 Act; purpose; applicability.
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(1) The purpose of the Pet Insurance Act is to promote the public welfare by creating a comprehensive legal framework within which pet insurance may be sold in this state. (2) The requirements of the Pet Insurance Act shall apply to pet insurance policies that are issued to any r…
Neb. Rev. Stat. § 44-6503 Pet insurer; definitions; limitations or exclusions; use.
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(1) A pet insurer that uses any of the terms defined in section 44-6504 in a policy of pet insurance shall use such terms as the terms are defined in section 44-6504. A pet insurer shall also make the specific definitions available through a clear and conspicuous link on the main…
Neb. Rev. Stat. § 44-6504 Terms, defined.
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For purposes of the Pet Insurance Act: (1) Chronic condition means a condition that can be treated or managed, but not cured; (2) Congenital anomaly or disorder means a condition that is present from birth, whether inherited or caused by the environment, which may cause or contri…
Neb. Rev. Stat. § 44-6505 Disclosures, requirements; rights of applicant.
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(1) A pet insurer transacting pet insurance shall disclose to consumers: (a) If the policy excludes coverage due to: (i) A preexisting condition; (ii) A hereditary condition; (iii) A congenital anomaly or disorder; or (iv) A chronic condition; (b) If the policy includes any other…
Neb. Rev. Stat. § 44-6506 Preexisting conditions; waiting periods; renewal; benefits; eligibility; limitations.
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(1) A pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden of proving that the preexisting condition exclusion applies to the condition for which a claim…
Neb. Rev. Stat. § 44-6507 Wellness program; restrictions.
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(1) A pet insurer or insurance producer shall not market a wellness program as pet insurance. (2) If a pet insurer or insurance producer sells a wellness program: (a) The purchase of the wellness program shall not be a requirement to the purchase of pet insurance; (b) The costs o…
Neb. Rev. Stat. § 44-6508 License; training; required.
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(1) An insurance producer shall not sell, solicit, or negotiate a pet insurance product until after the insurance producer is appropriately licensed and has completed the required training as provided in subsection (3) of this section. (2) A pet insurer shall ensure that its insu…
Neb. Rev. Stat. § 44-6509 Rules and regulations.
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The Director of Insurance may adopt and promulgate rules and regulations to carry out the Pet Insurance Act.
Neb. Rev. Stat. § 44-6510 Violation; unfair trade practice.
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Any violation of the Pet Insurance Act or the rules and regulations adopted and promulgated under the act shall be considered an unfair trade practice under the Unfair Insurance Trade Practices Act in addition to any other remedies and penalties available under the laws of this s…
Neb. Rev. Stat. § 44-6601 Act, how cited.
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Sections 44-6601 to 44-6608 shall be known and may be cited as the Insurance Fraud Act.
Neb. Rev. Stat. § 44-6602 Purpose of act.
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The purpose of the Insurance Fraud Act is to confront the problem of insurance fraud in Nebraska by facilitating the detection of insurance fraud, eliminating the occurrence of insurance fraud through the development of fraud prevention programs, authorizing imposition of civil p…
Neb. Rev. Stat. § 44-6603 Terms, defined.
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For purposes of the Insurance Fraud Act: (1) Department means the Department of Insurance; (2) Director means the Director of Insurance; (3) Insurer means any person or entity transacting insurance as defined in section 44-102 with or without a certificate of authority issued by …
Neb. Rev. Stat. § 44-6604 Fraudulent insurance acts; enumerated.
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For purposes of the Insurance Fraud Act, a person or entity commits a fraudulent insurance act if he or she: (1) Knowingly and with intent to defraud or deceive presents, causes to be presented, or prepares with knowledge or belief that it will be presented to or by an insurer, o…
Neb. Rev. Stat. § 44-6605 Immunity from civil liability.
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(1) Any person or entity, including the department, an insurer, or a person employed by or authorized by an insurer whose activities include the investigation of or reporting of suspected insurance fraud, acting without malice, fraudulent intent, or bad faith shall be immune from…
Neb. Rev. Stat. § 44-6606 Insurance Fraud Prevention Division; powers and duties; public inspection; limitations; fee.
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(1) In order to investigate activities involving insurance fraud, the director shall appoint a sufficient staff to be known as the Insurance Fraud Prevention Division. (2)(a) As specified by the director, division investigators who are certified law enforcement officers of the St…
Neb. Rev. Stat. § 44-6607 Civil penalty; costs; section, how construed.
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(1) A person or entity who is found by a court of competent jurisdiction, pursuant to an action initiated by the Director of Insurance, to have committed a fraudulent insurance act set forth in section 44-6604 is subject to a civil penalty not to exceed five thousand dollars for …
Neb. Rev. Stat. § 44-6608 Act, how construed.
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The Insurance Fraud Act does not: (1) Preempt the authority or relieve the duty of any other law enforcement agency to investigate, examine, and prosecute suspected violations of law; (2) Prevent or prohibit a person from voluntarily disclosing any information concerning insuranc…
Neb. Rev. Stat. § 44-6825 Act, how cited.
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Sections 44-6825 to 44-6833 shall be known and may be cited as the Managed Care Emergency Services Act.
Neb. Rev. Stat. § 44-6826 Purpose of act.
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The purpose of the Managed Care Emergency Services Act is to establish standards for health carriers that offer managed care plans to provide for access by covered persons to and delivery of emergency services.
Neb. Rev. Stat. § 44-6827 Terms, defined.
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For purposes of the Managed Care Emergency Services Act: (1) Closed plan means a managed care plan that requires covered persons to use participating providers under the terms of the managed care plan; (2) Covered benefits means those health care services to which a covered perso…
Neb. Rev. Stat. § 44-6828 Applicability of act.
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The Managed Care Emergency Services Act applies to all health carriers that offer managed care plans.
Neb. Rev. Stat. § 44-6829 Health carrier; emergency services; how treated.
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(1) A health carrier which provides a covered benefit for emergency services is, subject to the terms and conditions of the health benefit plan, responsible for charges for medically necessary emergency services provided to a covered person, including services furnished outside t…
Neb. Rev. Stat. § 44-6830 Health carrier violation; notice; hearing.
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If the director finds that any health carrier doing business in this state is engaging in any violation of the Managed Care Emergency Services Act and that a proceeding in respect thereto would be in the public interest, the director shall issue and serve upon such health carrier…
Neb. Rev. Stat. § 44-6831 Violation; penalty.
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If, after the hearing, the director finds a health carrier has violated the Managed Care Emergency Services Act, the director shall reduce his or her findings to writing and shall issue and cause to be served upon the health carrier charged with the violation a copy of the findin…
Neb. Rev. Stat. § 44-6832 Violation of cease and desist order; penalty.
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Any health carrier who violates a cease and desist order of the director under section 44-6831 may after notice and hearing and upon order of the director be subject to: (1) A monetary penalty of not more than thirty thousand dollars for each violation, not to exceed an aggregate…
Neb. Rev. Stat. § 44-6833 Rules and regulations.
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The director may adopt and promulgate rules and regulations to carry out the Managed Care Emergency Services Act.
Neb. Rev. Stat. § 44-6834 Act, how cited.
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Sections 44-6834 to 44-6850 shall be known and may be cited as the Out-of-Network Emergency Medical Care Act.
Neb. Rev. Stat. § 44-6835 Definitions, where found.
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For purposes of the Out-of-Network Emergency Medical Care Act, the definitions found in sections 44-6836 to 44-6846 apply.
Neb. Rev. Stat. § 44-6836 Covered person, defined.
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Covered person means a person on whose behalf an insurer is obligated to pay health care expense benefits or provide health care services.
Neb. Rev. Stat. § 44-6837 Emergency medical condition, defined.
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Emergency medical condition means a medical or behavioral condition, the onset of which is sudden, that manifests itself by symptoms of sufficient severity, including, but not limited to, severe pain, that a prudent layperson, possessing an average knowledge of medicine and healt…
Neb. Rev. Stat. § 44-6838 Emergency services, defined.
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Emergency services means health care services medically necessary to screen and stabilize a covered person in connection with an emergency medical condition.
Neb. Rev. Stat. § 44-6839 Health benefits plan, defined.
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(1) Health benefits plan means a benefits plan which pays or provides hospital and medical expense benefits for covered services and is delivered or issued for delivery in this state by or through an insurer. (2) Health benefits plan does not include the medical assistance progra…
Neb. Rev. Stat. § 44-6840 Health care facility, defined.
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Health care facility means a general acute hospital, satellite emergency department, or ambulatory surgical center licensed pursuant to the Health Care Facility Licensure Act.
Neb. Rev. Stat. § 44-6841 Health care professional, defined.
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Health care professional means an individual who is credentialed pursuant to the Uniform Credentialing Act, who is acting within the scope of his or her credential, and who provides a covered service defined by the health benefits plan.
Neb. Rev. Stat. § 44-6842 Health care provider, defined.
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Health care provider means a health care professional or health care facility.
Neb. Rev. Stat. § 44-6843 Insurer, defined.
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Insurer means an entity that contracts to provide, deliver, arrange for, pay for, or reimburse any of the costs of health care services under a health benefits plan, including (1) any individual or group sickness and accident insurance policy or subscriber contract delivered, iss…
Neb. Rev. Stat. § 44-6844 Medical assistance program, defined.
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Medical assistance program means the medical assistance program established pursuant to the Medical Assistance Act.
Neb. Rev. Stat. § 44-6845 Medically necessary, defined.
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Medically necessary means a health care service that a health care provider, exercising his or her prudent clinical judgment, would provide to a covered person for the purpose of evaluating, diagnosing, or treating an illness, an injury, or a disease, or its symptoms, and that is…
Neb. Rev. Stat. § 44-6846 TRICARE, defined.
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TRICARE means a health care program of the United States Department of Defense Military Health System.
Neb. Rev. Stat. § 44-6847 Emergency services; facility, bill; limitation.
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If a covered person receives emergency services at any health care facility, the facility shall not bill the covered person in excess of any deductible, copayment, or coinsurance amount applicable to in-network services pursuant to the covered person's health benefits plan.
Neb. Rev. Stat. § 44-6848 Emergency services; health care provider, bill; limitation.
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If a covered person receives emergency services at an in-network or out-of-network health care facility, the health care provider performing those services shall not bill the covered person in excess of any deductible, copayment, or coinsurance amount applicable to in-network ser…
Neb. Rev. Stat. § 44-6849 Emergency services; insurer; duties; payment; presumed reasonable; dispute resolution procedure.
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(1) If a covered person receives emergency services at an in-network or out-of-network health care facility, the insurer shall ensure that the covered person incurs no greater out-of-pocket costs than the covered person would have incurred with an in-network health care provider …