LINCOLN, Neb. -- Now that Nebraskans have cast their vote in the 2020 elections, there is another important decision to make: choosing health coverage for 2021.

Rob Broomfield, CEO of UnitedHealthcare of Nebraska, said it's important to start researching plans early, take your time and ask questions.

If you're planning to have a baby, or a family member has diabetes, Broomfield noted choosing a plan with lower monthly premiums could actually end up costing you far more once you've reached your maximum out-of-pocket liability.

"So you really kind of have to estimate what you think your medical expenses might look like," Broomfield suggested. "And then just determine whether it's worth paying a little bit higher premium because you know you may have more out-of-pocket costs."

Many employers set aside a two- to three-week period between September and December for employees to select a health plan.

Families that don't get employer-linked insurance can sign up for coverage under the Affordable Care Act at HealthCare.gov through Dec. 15.

More Nebraskans should also qualify for financial assistance, or free coverage, after last month's rollout of Medicaid expansion. Medicare's annual enrollment is open now through Dec. 7.

Broomfield said telehealth coverage will continue to be important during the coronavirus pandemic, and beyond.

During some months, he observed, north of 90% of visits were conducted via telehealth, where people connect with a health-care provider via smartphone, tablet or personal computer.

"So moving forward it's going to be a very important part of the plan," Broomfield emphasized. "And people are going to want to make sure that they have the telehealth visits available in their plan, and that the doctors they want to access are available as well."

Broomfield said one way to lower the cost of coverage is to take advantage of wellness rewards that kick in if you take a health survey, exercise or stop smoking.

Some plans also offer gym memberships at no additional cost.

This week, Gov. Joe Lombardo vetoed Senate Bill 239, which would have allowed medical aid in dying in Nevada.

The bill would have given mentally competent and terminally ill adults the option to obtain a medical prescription for a peaceful death if they chose to use it.

Hanna Olivas, a terminally ill Nevadan who voted for Lombardo, said she is disappointed, angry and frustrated, calling his decision a "cowardly act." Olivas acknowledged no one wants to think about dying, but for those with terminal illnesses, preparation and keeping their medical autonomy is paramount.

"I absolutely do not want to be in a hospital or in hospice," Olivas emphasized. "And the governor is basically saying 'Well, too bad. Too bad for you. Too bad for your family. And too bad for any other person who is facing a terminal diagnosis.'"

In a statement, the governor said, "while end-of-life decisions are never easy," he could not support a bill allowing what he terms "physician-assisted suicide." He also said he did not feel "comfortable" signing the bill into law due to "recent progress in science and medicine."

Sara Manns, Nevada campaign director for the Compassion & Choices Action Network, called it "absurd and cruel" for the governor to suggest palliative care can alleviate suffering at the end of life, when it is not always the case.

Manns said state lawmakers heard testimony confirming the realities from patients' families and from doctors. Manns thinks the veto statement disregards Nevadans and their experiences.

"We have to really examine what happened here, and figure out how we're going to win in light of this veto, which went against record high polling numbers in support of aid-in-dying access for Nevadans," Manns pointed out. "Thousands of phone calls, thousands of petitions, thousands of emails."

Manns added advocates are already looking at different strategies to continue their fight to grant the right to medical aid-in-dying to terminally ill Nevadans.

North Dakota officials are urging people receiving health coverage through a key public program to stay on top of their renewal if they are still eligible. It follows the end of pandemic rules for Medicaid. At the start of the COVID crisis, Congress paved the way for states to keep people continuously enrolled in Medicaid. But with the public health emergency over, states such as North Dakota are unwinding the provision.

Krista Fremming, interim medical services division director of the North Dakota Department of Health and Human Services explained when they recently sent out renewal notices, only one in three people returned them. She pointed out it is possible that some people found other options, but her team suspects many who still need help did not take the necessary steps to secure it.

"For the forms that were returned, about seven in ten people still qualified," she added. "So, that gives a good indication that many of the unreturned forms are for people who would still qualify. And we want to continue their coverage, if they do. "

She said more than 4,000 people were disenrolled last Wednesday. The state carried out a media campaign, as well as outreach with providers, in hopes of ensuring recipients knew the forms were mailed to them. Fremming said the state is exploring other ways to connect with members. Those who were disenrolled have 90 days to return the forms to receive back-dated Medicaid coverage if they still qualify.

Fremming added they are especially worried about households with children losing coverage.

"We know that getting vaccinations and having access to dental care and behavioral health services are so important to laying a strong foundation for children as they grow up," she continued.

North Dakota has an auto-renewal process to make it easier for staff to verify if an individual still qualifies for coverage. But Fremming said it is still new and limited, and added it does not include people who have self-employment income, or who are subject to asset tests. Meanwhile, renewal forms are mailed out around the 20th of each month and are due within 30 days.


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Nevada has received an overall score of 43 in the nation for the health and well-being of its seniors in the state. According to the United Health Foundation's 2023 Senior Report, the Silver State's older adults fare well when it comes to lower rates of obesity, drinking and inactivity. The state is facing challenges related to high suicide and high poverty rates, as well as low flu vaccination rates among older Nevadans.

Dr. Rhonda Randall, Chief medical officer for United Healthcare, said when it comes to suicide, they are noticing more prevalence in some groups over others.

"We see that it disproportionately affects white men, and older white men because they have a tendency to choose more lethal means with suicide attempts," she explained. "They're more successful, and that's what we see in the trend here. It has been persistent for quite some time."

Randall added the report consists of 52 different measures of senior health across five different categories, including socioeconomic factors, the physical environment where seniors live, the clinical care they receive, behaviors and other health outcomes.

Nevada saw a 15% drop from just over 30 aides per 1,000 adults ages 65 and above in 2018 to 26 per 1,000 adults in 2021. The state also saw an 8% increase in early deaths among older adults. Randall said opioid overdoses led to an increase in premature deaths, and added that reflects "the same troubling trend" prevalent in other populations in the United States; seniors are not untouched.

"Why I highlight that as a geriatrician is, I think, a lot of people don't think that seniors are as affected by substance-use disorders and opioid-use disorder - but they are," she said.

Randall added it is concerning that as a country, many of the gains made in recent years related to longevity and an increase in life expectancy have started to reverse. Her group is calling for greater connectivity and community engagement among seniors in Nevada and across the country.