Employee Medical Benefits Summary Nebraska

Tax Advantaged Accounts

In Nebraska, 42% of organizations offer a Health Savings Account (HSA) and a healthcare Flexible Spending Account (FSA). With little cost to the employer, either option is an excellent method for employees to manage their medical expenses in the most effective way possible.

Dental and Vision

Dental and vision perks must be considered when looking at your entire employee benefits package. Only 21% of small employers supply vision care, while 44% provide dental treatment. This is far lower than what we see among major businesses. When dental and vision care is available, 76% take advantage of dental treatments, and 79% use vision services.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Nebraska, 15,000 large employers provide medical coverage to over 615,000 individuals, with 69% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Nebraska employers cover 80% of the monthly premium for single employees and 75% of the premium for families. On the employer side, this equates to a monthly premium average of $515 per month for singles and $1459 for families. For employees, this costs an average of $125 per month for single employees and $483 for families, with costs ranging anywhere from $73 each month for a family at the 25th percentile to $145 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Nebraska large employers, 9.0% cover all medical expenses for single individuals, and 4.5% cover all expenses for families.

Plan Design & Cost

Employee types might influence plan designs. PPO enrollees make up 44% of employees at large Nebraska companies, while HMO members amount to 7% and High Deductible Health Plan enrollees account for 46%. The plan type influences the range of coverage provided by doctors and hospitals, as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

When it comes to big employers in Nebraska, 61% offer a Health Savings Account (HSA) and 70% provide a Flexible Spending Account (FSA). When assisting employees with their tax-advantaged medical spending, both an FSA and an HSA are crucial.

Dental & Vision

Large businesses, on average, provide more dental and vision plan alternatives than small companies. Large Nebraska employers provide dental policies to their staff 68% of the time, with 81% taking advantage of it, and 38% offer vision plans with 79% taking advantage of the benefit.

Medical Benefits Considerations

Whether you're a small or large business in Nebraska, selecting a benefit designer to create your plan's benefits is crucial. If you would like a list of organizations in your region that specialize in medical insurance, contact Mployer Advisor now.

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