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Insurance in Omaha

Data source: US Census year 2000

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Uninsured in Douglas County

Omaha is the county seat of Douglas County.

One in ten

One out of ten people in Douglas County (10.8%) lack health insurance. In the state of Nebraska, 11.6% are without.

Among the population under 18 years in Douglas County, 7.3% are uninsured, while the figure for Nebraska is 8.5%.

in 2005, 85% of Americans had some medical expense, spending on average $1,166.

Crime and Safety in Omaha

Cities are generally less safe to live in than small towns. Violent crime in Omaha is 38.2% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Omaha is 70.7% higher than nationally.

There are 5760 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Omaha (2% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 92% of Omaha residents drove to work, and 2% used public transport. 2% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.

In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.

Omaha, Nebraska Health Insurance

With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.

Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.

One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.

While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.

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Local Health Insurance Agents in Omaha, Nebraska

  • Andrews, Ricky L - State Farm Insurance Agent

    (402) 346-5553

    2504 South 13th Street
    Omaha, Nebraska 68108-1522

  • Boehler, Maynard N

    (402) 331-0112

    6550 S 84th St Suite 200
    Omaha, Nebraska 68127-4100

  • Bonner, Cort D - State Farm Insurance Agent

    (402) 934-4141

    3125 North 120th Street
    Omaha, Nebraska 68164-2527

  • Cameli Bernard F

    (402) 556-7100

    7120 Blondo Street
    Omaha, Nebraska 68104-4639

  • Chastain Otis Insurance & Financial Services Sundays & Holidays, Dave Chastain

    (402) 397-2500

    10235 Regency Cir Ste 220
    Omaha, Nebraska 68114-3776

  • Chisham, Jeffery E - State Farm Insurance Agent

    (402) 991-4771

    15821 W Dodge Rd
    Omaha, Nebraska 68118-4015

  • Easterby, David R - State Farm Insurance Agent

    (402) 884-1885

    2819 S 125th Ave Suite 365
    Omaha, Nebraska 68144-3873

  • Emsick, Mark R - State Farm Insurance Agent

    (402) 558-5060

    6068 Maple Street
    Omaha, Nebraska 68104-4051

  • Falcone, Joseph P - State Farm Insurance Agent

    (402) 391-6100

    920 S 107th Avenue Suite 101
    Omaha, Nebraska 68114-4719

  • Farm Bureau Insurance Christopher Bundy

    (402) 891-0681

    14225 Dayton Cir Ste 7
    Omaha, Nebraska 68137-5559

  • Frink, Janice Sue - State Farm Insurance Agent

    (402) 593-1899

    5409 S 96th
    Omaha, Nebraska 68127-3325

  • Geyer, Douglas J - State Farm Insurance Agent

    (402) 330-6100

    11923 Pacific Street
    Omaha, Nebraska 68154-3445

  • Gilmore, Gary L - State Farm Insurance Agent

    (402) 451-2500

    6058 Ames Avenue
    Omaha, Nebraska 68104-2070

  • Grace-Mayer Insurance

    (402) 397-5050

    10050 Regency Cir
    Omaha, Nebraska 68114-3721

  • Henkel, Larry R - State Farm Insurance Agent

    (402) 333-1040

    11921 Elm Street
    Omaha, Nebraska 68144-4312

  • Hill, Cynthia - State Farm Insurance Agent

    (402) 551-3455

    1411 N 72nd Street
    Omaha, Nebraska 68114-1900

  • Holliday, Anthony D - State Farm Insurance Agent

    (402) 731-6017

    5050 L Street
    Omaha, Nebraska 68117-1302

  • Howard, Stephen L - State Farm Insurance Agent

    (402) 493-7655

    3125 North 108th
    Omaha, Nebraska 68164-2952

  • Hughes Jr, Tommy D - State Farm Insurance Agent

    (402) 930-2200

    936 North 24th Street Suite 2
    Omaha, Nebraska 68102-4322

  • Iske, Randall K - State Farm Insurance Agent

    (402) 895-4424

    13829 Millard Avenue
    Omaha, Nebraska 68137-2704

  • Kaspar Jr, Thomas V - State Farm Insurance Agent

    (402) 493-0101

    1722 No 120
    Omaha, Nebraska 68154-1379

  • Kelleher, Annette C - State Farm Insurance Agent

    (402) 496-7565

    13058 W Dodge Road
    Omaha, Nebraska 68154-2148

  • Kight, James E - State Farm Insurance Agent

    (402) 934-9295

    312 South 72nd Street
    Omaha, Nebraska 68114-4606

  • Kudym, Gary L - State Farm Insurance Agent

    (402) 390-1166

    8514 Cass Street
    Omaha, Nebraska 68114-3512

  • Larry Peters Ins Agency Inc

    (402) 571-5700

    10106 Maple Street
    Omaha, Nebraska 68134-5555

  • Long Sr, Karl E

    (402) 493-0100

    1806 No 144th Street
    Omaha, Nebraska 68154-4700

  • Moore, Donald H - State Farm Insurance Agent

    (402) 558-6565

    4502 Center Street
    Omaha, Nebraska 68106-3341

  • Moore, Jeffrey S - State Farm Insurance Agent

    (402) 556-2012

    4502 Center Street
    Omaha, Nebraska 68106-3341

  • Mutual of Omaha

    (402) 330-8700

    17445 Arbor St Ste 310
    Omaha, Nebraska 68130-4645

  • Niederhaus, Ronald H - State Farm Insurance Agent

    (402) 333-5104

    238 N 114th Street
    Omaha, Nebraska 68154-2515

  • Oci Insurance and Financial Services Inc

    (402) 330-8700

    17445 Arbor St
    Omaha, Nebraska 68130-4645

  • OConnor, Steven J - State Farm Insurance Agent

    (402) 331-5555

    7911 L Street
    Omaha, Nebraska 68127-1725

  • Pesek, Pauline A - State Farm Insurance Agent

    (402) 392-1939

    8611 Blondo Street
    Omaha, Nebraska 68134-6152

  • Phillips, Steven W - State Farm Insurance Agent

    (402) 330-0892

    15623 West Center Road
    Omaha, Nebraska 68130-1829

  • Pletan, Jacqueline - State Farm Insurance Agent

    (402) 391-2673

    8333 Cass Street
    Omaha, Nebraska 68114-3529

  • Rivera, Thomas F - State Farm Insurance Agent

    (402) 965-8880

    3750 N 156th St
    Omaha, Nebraska 68116-2800

  • Siedlik, Leonard R - State Farm Insurance Agent

    (402) 895-4446

    12781 Q Street
    Omaha, Nebraska 68137-3211

  • Sigerson Jr, Charles W - State Farm Insurance Agent

    (402) 493-1000

    10766 Fort Street
    Omaha, Nebraska 68134-1230

  • Skidmore, Stephan E - State Farm Insurance Agent

    (402) 330-9200

    17825 Pierce Plaza
    Omaha, Nebraska 68130-1035

  • Smith, Larry R - State Farm Insurance Agent

    (402) 491-0111

    11717 Burt Street
    Omaha, Nebraska 68154-1500

  • Steele Jr, James J - State Farm Insurance Agent

    (402) 333-1866

    13057 W Center Road Suite 23
    Omaha, Nebraska 68144-3723

  • Sullivan, James W - State Farm Insurance Agent

    (402) 333-1127

    14543 W Center Road
    Omaha, Nebraska 68144-3276

  • Tripp Jr, Donald R - State Farm Insurance Agent

    (402) 572-1118

    3932 N 90th
    Omaha, Nebraska 68134-4133

  • Wade, Otha T - State Farm Insurance Agent

    (402) 333-1211

    11414 West Center Road
    Omaha, Nebraska 68144-4487

  • Williams-Bonner, Crystall J - State Farm Insurance Agent

    (402) 391-7200

    3125 N 120th Street
    Omaha, Nebraska 68164-1508

Glossary of Terms

Coinsurance
amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
Coordination of Benefits
A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
Copayment
Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
Covered Expenses
Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
Customary fee
Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
Deductible
The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions
Specific conditions or circumstances for which the policy will not provide benefits.
Fee-for-Service
The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
HDHP
High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
HMO
(Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
Institutionalized
People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
Kaiser
Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
Managed Care
Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket
The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
Noncancelable Policy
A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO
(Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
Preexisting Condition
A health problem that existed before the date your insurance became effective.
Premium
The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor
Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
Property crime
Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
Provider
Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Race
Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
Single Coverage
Health insurance that covers medical expenses for one person.
Third-Party Payer
Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
Violent crime
Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.

Omaha Facts

Data source: US Census year 2000

Population

Population in Omaha is 382,776.

76% of Omaha residents are White, 13% are African-American, 5% are of some other race, 3% are a mix of two or more races, and 2% are Asian.

Economy

The median income in Omaha is $28,510 for men, and $21,780 for women.

Compared to the typical person in the state of Nebraska, a resident of Omaha makes 0.3% more. The trend for Nebraska is that the median income is increasing. (2006)

25,286 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Omaha was decreasing compared to the year before.

The typical home is worth $125,100. 30% of Omaha homeowners own their home outright, paying typically $419 per month in owner costs. Among those with a mortgage (70% of homeowners), the median monthly owner cost is $1,206. (2006)

Housing

There are a total of 168,910 homes in Omaha. Of these, 3,009 were for sale, and 5,863 homes were available to rent in 2006. 91,349 (59%) were owner-occupied, and 63,452 (41%) were occupied by renters. (2006)

Age

The median age for men in Omaha is 33, and in Nebraska the average man lives to be 76. The median age for women in Omaha is 35, and women in Nebraska live to be 81, on average. (2006)

Education

The education level in Omaha is high compared to the national average.

Among men over 25, 39% has a college degree, and 21% has some college. Out of the men that didn't study in college, 68% graduated from High School, and 32% dropped out.

Among women over 25, 37% has a college degree, and 25% has some college. Out of the women that didn't study in college, 72% graduated from High School, and 28% dropped out. (2006)

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