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Best Medicare Advantage Plans in Nebraska for 2020

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For new Original Medicare beneficiaries or those who are already enrolled in Medicare Part A and Part B and who are looking for a new policy, the best Medicare Advantage plans in Nebraska for 2020 just might fit the bill. Of course, you’ll probably want to learn more about Medicare Advantage plans in Nebraska before you sign up for one, but we’re here to help with that. After checking out this guide to Medicare Advantage plans, you can use our website to look for quotes or can call and talk to one of our licensed insurance agents about your plan options.

Overview of the Best Medicare Advantage Plans in Nebraska for 2020

The premise behind Medicare Advantage plans in Nebraska is simple: they are designed to help Medicare beneficiaries save money. After all, even after Original Medicare (Medicare Part A and Medicare Part B) pays its share, many beneficiaries are left with deductibles, coinsurance and copayments (copays). A Medicare Part C plan in Nebraska that covers a little more can help you avoid out-of-pocket expenses for healthcare that you can’t afford to pay and can leave you with a little more money in your pocket so that you can enjoy your retirement.

Of course, you shouldn’t get these plans confused with Medicare Supplement plans, which are also very popular. Also known as Medigap policies, Medicare Supplement plans work along with Medicare to help cover some of the gaps that are left behind.

If you choose to sign up for a Medicare Advantage plan in Nebraska for 2020, on the other hand, your new policy will basically serve as a replacement for Original Medicare (Medicare Part A and Medicare Part B). Options vary from PPO and HMO policies to less-common MSA (Medicare Savings Account) and PFFS (Private Fee-for-Service) options. Explore your options here on our page so that you can sign up for the best Medicare Advantage plan for you.

Best Medicare Advantage Plans in Nebraska: When Can You Enroll?

If you want to enroll in Medicare Part C in Nebraska for 2020, you’ll have to sign up during one of these time periods:

  • Medicare Initial Coverage Election Period ICEP: When you are someone who is a new beneficiary of Medicare Part A and Part B, you’ll be able to sign up for Medicare Advantage.
  • Medicare Annual Election Period AEP: Each year from October 15 to December 7, beneficiaries like you can sign up for, disenroll or change their Medicare Advantage policy.
  • Medicare Advantage Disenrollment Period MADP: Now discontinued, this name once referred to the period when you could disenroll from a Medicare Advantage plan and go back to Original Medicare (Medicare Part A and Part B).
  • Medicare Advantage Open Enrollment Period MA OEP: New as of 2019, this period runs from January 1 to March 31st of each year. During this time, you can change your MA policy.
  • Medicare Special Election Periods SEP: Outside of a standard Medicare Enrollment Period, you can also shop around for a policy during an SEP. This is designed for people with special circumstances, such as those who were dual-eligible for Medicaid but now aren’t eligible for it anymore or those who move outside of the service area for their Advantage policy.

Best Types of Medicare Advantage Plans in Nebraska for 2020

If you are interested in Medicare Part C plans in Nebraska, you’ll probably sign up for one of these popular Medicare Advantage plan types during your Medicare Advantage Enrollment period:

PPO Preferred Provider Organization Plans (PPO) in Nebraska

  • There are network restrictions
  • It is possible for you to see a doctor or hospital outside of your insurance company’s network, but it will cost more in out-of-pocket expenses
  • If you go to in-network doctors, hospitals and other healthcare providers for care, your costs will be lower
  • Referrals are not required

HMO Health Maintenance Organization Plans (HMO) in Nebraska

  • These Medicare Part C policies in Nebraska have the cheapest monthly premiums almost all the time; some even have $0 premium
  • Unless there is an emergency situation, you’ll be required to see in-network providers
  • You have to see your primary care doctor (PCP) for specialist referrals

Private Fee-for-Service PFFS in Nebraska

  • These private plans determine how much the insurance company pays and how much you pay
  • You do not have network restrictions

Special Needs Plans SNPs in Nebraska

  • If you have serious chronic health conditions or institutional conditions, such as end stage renal disease ESRD, one of these policies will probably be right for you
  • Medicare Part D prescription drug plans must be included in Special Needs Plans

Enrollment Figures for Nebraska Medicare Advantage Plans

These enrollment stats about Original Medicare and Medicare Advantage plans apply to your state of Nebraska:

  • The five largest counties in Nebraska are Cherry, Custer, Lincoln, Holt and Dawes.
  • There were 344,200 Medicare beneficiaries in Nebraska in 2018.
  • 45,426 of Medicare beneficiaries in Nebraska were enrolled in Medicare Advantage in 2018.

Do Medicare Advantage Plans in Nebraska Cover Prescription Drugs?

Even when you’re eligible for Medicare, you can’t count on to pay for prescription drugs. After all, Original Medicare does not pay for most prescription medication. However, your Medicare Advantage plan might, since many of these plans do come with Medicare Advantage prescription drug plans.

You may find it best to sign up for one of these Medicare Advantage plans in Nebraska for 2020 so that you don’t have to sign up for a stand-alone drug plan. However, make sure that you take the time to compare the formulary and prescription drug tiers of each option.

Network Restrictions for Medicare Advantage Plan in Nebraska?

If you’re enrolled in Medicare Part A and Part B, you may have decided that you want to become a beneficiary of an Advantage policy. Before you do, though, be aware of the network restrictions so that you can compare your options and be prepared for these restrictions:

  • In-Network vs. Out-of-Network Within Coverage Area: HMO Medicare Advantage plans and PPO Medicare Advantage plans in Nebraska both cover out-of-network care in emergency situations. An HMO will not pay for out-of-network care in other situations, while a PPO will. If you use an out-of-network provider with a PPO, though, your out-of-pocket expenses will be higher
  • Traveling With Plan: With both health maintenance organization HMO plans or preferred provider organization PPO plans, emergency care is covered throughout the United States when you’re traveling. With a PPO, you can take advantage of out-of-network help even outside of emergency situations, although your costs will be higher.
  • Moving Across State Lines: Medicare Part A and Part B offer the same benefits in all 50 states, but Advantage policies are different. With Medicare Part C in Nebraska, you will need to change plans if you move.

Added Benefits of Medicare Advantage Plan in Nebraska

This additional coverage might also be included in your policy, although perks like these vary wildly from policy to policy:

  • Hearing care, routine vision and dental care
  • Wellness programs
  • Silver Sneakers or other similar gym membership
  • Recommendations for diet and nutrition
  • Allowance for over-the-counter medication costs
  • Healthy living seminars and classes
  • Transportation to and from medical appointments
  • Payment of some or all of the Medicare Part B premium

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Nebraska will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Nebraska.

Top Providers for Medicare Part C Plans in Nebraska

These are some of the top companies that hope to increase enrollment in their Medicare Advantage plans in Nebraska for 2020:

  • Coventry: In Nebraska, Coventry offers a PPO with the highest star ratings in the state.
  • Aetna: Aetna’s share of MA enrollment is 27 percent.
  • Humana: Humana has enrolled about 14 percent of Medicare Advantage plan members in the state. You might consider Humana for a highly rated PPO.
  • Cigna is also a notable carrier to look for in your area.

At this time, insurers didn’t have published information about 5-star ratings in Nebraska. This might change as Open Enrollment approaches, so it might be prudent to keep an eye on 2020 quality ratings for Medicare Part C plans. There are many U.S. counties without a plan with a 5-star rating, so this isn’t that unusual.

Nebraska Medicare Resources

These are some of the resources that you can check out if you’d like more information:

Also, if you want to find the best plans and best rates, let us help you. In addition to explaining your options, our licensed insurance agents can help you shop for affordable rates from top insurance companies.