Medicare Supplement Plans in Nebraska (Medigap)

If you’re looking for Medicare Supplement plans in Nebraska, you’ll notice you have several options to choose from. Also known as Medigap plans, selecting the best plan for you will depend on your healthcare needs. For some, Medicare Supplement coverage may make the most sense, but a Medicare Advantage plan could be the best option for others. Explore your options by looking at the benefits of having additional coverage and discover which plan is the most suitable for you.

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Medicare Supplement Plans for Nebraska Residents

Medicare Supplement plans in Nebraska offer seniors more benefits for their healthcare needs. These plans are a great way to cover the gap in healthcare expenses that may be left when using Original Medicare (Medicare Part A and Part B) alone.

The best Medicare Supplement plans in Nebraska for you will depend on your specific healthcare needs. This is because, for some seniors, more coverage may be the goal, while for others, lowering their premiums may be the focus they choose to pursue.

If you only visit with your doctor every few months and can afford a small copay, Medigap Plan N may work for you. Maybe you need to see your doctor weekly. In that case, Plan G may be the best option.

Fortunately, there are several different options available throughout the Cornhusker State. That said, three Medicare Supplement plans in Nebraska are the most common, Medigap Plan F, Plan G, and Plan N.

Medigap Plan F in Nebraska

Medicare Supplement Plan F covers gaps left by Original Medicare for seniors. This includes covering the full cost of Original Medicare’s deductibles, coinsurances, and copayments.

Seniors with Medicare Part A and Part B must pay 20% out-of-pocket for the services Medicare covers. But with Medigap Plan F, their benefits cover these costs.

But it’s important to understand that while Medigap Plan F may not be discontinued entirely, it is only available to Cornhuskers eligible for Medicare coverage before January 1, 2020.

Medigap Plan G in Nebraska

Because Plan F isn’t as available as it once was, Medicare Supplement Plan G is a comparable solution. This plan covers everything Plan F covers minus the Medicare Part B deductible. Medigap Plan G coverage can even be a better solution for many seniors, as the amount they save from premiums every year exceed the plan’s deductible total.

In addition to providing coverage for emergency healthcare services and preventive care, Medigap Plan G also provides coverage for chronic conditions. This includes covering 80% of your foreign travel emergency care costs.

Medicare Supplement Plan G offers plenty of benefits for seniors needing additional medical care.

Medigap Plan N in Nebraska

Medigap Plan N offers the lowest premiums of the top three plans in most cases, but it also provides the lowest amount of coverage. For example, with Medicare Supplement Plan N, seniors are responsible for paying copays when visiting a hospital or doctor.

You’ll also need to pay for any excess charges while enrolling in Medigap Plan N if you use a doctor that doesn’t accept Medicare assignment. Again, this is only when using a practitioner who does not accept Medicare assignment.

Every senior will have different conclusions about which plan is right for them, but if you’re looking for a lower monthly premium, Medicare Supplement Plan N is a great option.

On the other hand, if protection is your main requirement, Medigap Plan G – or Plan F, if you qualify – may be the best choice.

Compare Medicare Supplement Plans Nebraska

Finding cheap Medicare Supplemental insurance plans in Nebraska depend on many factors. This is because the cost of Nebraska Medigap plans varies depending on variables such as your gender, age, and whether or not you smoke. Men typically pay more, as do seniors who smoke or require more coverage can expect higher premiums.

Below is a Medigap cost comparison chart Nebraska residents can refer to for a better understanding of some of the averages within their state. Our methodology uses a 65-year-old male and female compared to a 75-year-old male and female in the same Nebraska zip code to examine the cost of coverage:

  Female, No Tobacco, Nebraska ZIP Code 68516  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $102-$531* $123-$531*
Medicare Supplement Plan G $83-$503 $100-$503
Medicare Supplement Plan N $65-$428 $79-$428
  Male, No Tobacco, Nebraska ZIP Code 68516  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $115-$598* $138-$598*
Medicare Supplement Plan G $94-$568 $113-$568
Medicare Supplement Plan N $74-$483 $89-$483

* If on Medicare before 01/01/2020

Nebraska premiums for Medigap plans will be higher if you wait to enroll at age 75 rather than enrolling during your Medigap Open Enrollment Period. This means it’s always advisable to enroll as soon as you are eligible for benefits.

The costs to seniors will include premiums and out-of-pocket costs depending upon your individual Medicare Supplement plan.

Who in Nebraska Has the Lowest Cost Medigap G Plan?

Many carriers claim to be the best Medicare Supplement company in Nebraska. The truth is, there are many top-rated carriers, and the best option for you will, again, depend on your healthcare needs. These are some of the top options Medicare Supplement plans Nebraska residents can enroll with:

  • Aetna
  • Bankers Fidelity
  • Blue Cross Blue Shield (BCBS) of Nebraska
  • Capitol Life
  • Cigna
  • GPM
  • Humana
  • Lumico Life Insurance
  • Manhattan Life
  • Mutual of Omaha
  • National General
  • United American
  • UnitedHealthcare

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Enrolling in Nebraska Medicare Supplement Plans

Taking advantage of the Medigap Open Enrollment Period is the best time for seniors to gain coverage through a Medicare Supplement plan. Although you can enroll in Medigap at any time because Supplement insurance has no Annual Enrollment Period, it doesn’t mean that you’re guaranteed coverage.

Because Medicare Supplement plans in Nebraska are offered by private insurance companies, outside of your open enrollment, you’ll need to undergo medical underwriting to gain coverage. This means that you can be denied coverage due to health issues at this time.

There are exceptions, however, for seniors with qualifying life events to gain Medigap coverage through a Special Enrollment Period. A common example would be needing to adjust your coverage due to moving.

Other Medicare Coverage Options for Nebraska

There are other coverages available beyond Medicare Supplement plans Nebraska residents can take advantage of. A prime example is Medicare Advantage (Medicare Part C) coverage.

It’s also important to note that while seniors can enroll in either Medigap or Medicare Advantage, they cannot enroll in both at the same time.

In addition to these coverages, many people on Medicare find themselves in need of expensive prescriptions, looking for a solution. Having a Medicare Part D prescription drug plan can drastically reduce your costs.

A Medicare Part D policy in Nebraska will cost you anywhere from $13 to $90 every month, which can deliver serious savings for seniors in the long run.

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How to Apply for Medicare in Nebraska

Applying for Medigap plans in Nebraska is simple, and we’re here to help seniors find the benefits they need. By speaking with one of our licensed agents, you’ll be able to find the right Medicare coverage for your healthcare.

Give us a call at the number above to explore your options for enrolling in Medicare Supplement plans in Nebraska, or fill out the online rate form to find the best policy for you. Our agents can help you navigate Medicare to make the most informed choice.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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