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Medicare Supplement Plans in Nebraska

Medicare Supplement plans in Nebraska are standardized by the federal Medicare program and labeled with letters A through N. The plans are offered by private health insurance companies, but insurers cannot alter the benefits offered by each plan. Nebraska beneficiaries interested in covering Original Medicare gaps to reduce or eliminate out-of-pocket costs should learn more about Medicare Supplement plans in Nebraska.

Medicare Part A and Medicare Part B offer basic benefits that have value to all beneficiaries.

They also have large gaps that force beneficiaries to pay the following expenses out of pocket each year:

  • Part A deductible
  • Part B deductible
  • Part A coinsurance
  • Part B coinsurance
  • Part B excess charges
  • Medicare Part D plan
  • Skilled nursing facility coinsurance
  • Hospice care coinsurance

These expenses add up over the years, especially for beneficiaries who travel abroad or have chronic conditions that require routine medical care at home. Medicare beneficiaries can sign up for a Medicare Supplement insurance policy that offers Medicare benefits designed to enhance Original Medicare by filling those gaps.

Find Plans in Your Area
 

The following five are the top picks for most beneficiaries in 2022.

Medicare Supplement Plan F

Medicare Plan F offers the most comprehensive benefits, including the Part B deductible. It also comes with the highest premiums and strict eligibility limitations. Only Nebraska beneficiaries enrolled in Medicare Part B prior to January 1, 2020, are accepted into this plan.

Medicare Supplement Plan G

Beneficiaries looking for full Medicare coverage often consider Medicare Plan G the best alternative to Plan F. There are no eligibility restrictions, so beneficiaries can enroll regardless of their Medicare Part B effective date. The coverage is exactly the same as Plan F with the exception of the deductible for Part B.

Medicare Supplement Plan N

Beneficiaries who don’t like the premiums that come with Plan G may consider Medicare Plan N the most valuable option. It can deliver a lower monthly premium with slightly fewer benefits.

In addition to the monthly Medigap premium, beneficiaries enrolled in Plan N will pay the following out-of-pocket costs:

  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Doctor office copays up to $20 per visit
  • Emergency room copays up to $50 per visit

Plan N is sometimes one of the most cost-effective plan options for beneficiaries who don’t visit the doctor or emergency room often.

High-Deductible Plan F

The high-deductible version of Plan F offers a significantly lower premium with no reduction in coverage. Beneficiaries must pay the deductible in full each year before accessing plan benefits. The plan is limited to Nebraska beneficiaries with a Part B effective date prior to January 1, 2020.

High-Deductible Plan G

The high-deductible version of Plan G offers the same benefits with a significantly lower monthly premium. Beneficiaries pay the full deductible out of pocket before accessing full plan benefits. There are no eligibility restrictions for this Medigap insurance plan.

Medicare Supplement Insurance cost in Nebraska

Each Nebraska beneficiary will see different rates for Medicare Supplement insurance plans available in their zip code. Pricing is based on personal factors like age, gender, and tobacco usage plus location at the time of application.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$177 per month
Plan G$133 per month
Plan N$106 per month

When can I apply for a Medicare Supplement plan?

Nebraska beneficiaries typically receive the lowest rates when they apply for Medigap insurance during their Medigap Open Enrollment Period. This is a six-month period that only occurs one time and entitles beneficiaries to valuable guaranteed issue rights. Once the period closes, beneficiaries must qualify for a special enrollment period to receive those rights again.

The open enrollment period starts the month that a beneficiary is at least 65 years old and enrolled in Medicare Part B. The guaranteed issue rights ensure the beneficiary is admitted into the plan of their choice at the lowest rates available in their zip code.

No Medicare insurance company can use medical underwriting to determine rates during the Medigap open enrollment period. Beneficiaries are not required to answer questions regarding their current health condition or pre-existing conditions. Beneficiaries with medical issues will receive the same rates as healthier applicants as long as they apply within this six-month period.

Beneficiaries may apply for Medigap insurance outside of the open enrollment period, but the insurer has the right to deny coverage or increase rates due to medical history.

FAQ:

When can I change Medigap plans?

Nebraska beneficiaries can switch Medigap plans at any time, but they aren’t always entitled to guaranteed issue rights. That means the insurance company may base rates for the new policy on the beneficiary’s current health condition or pre-existing conditions, resulting in premiums much higher than the original policy.

There are some ways to maintain guaranteed issue rights and secure the lowest rates on the new policy:

  • Switch plans during the open enrollment period.
  • Qualify for a special enrollment period with guaranteed issue rights.

Beneficiaries have the right to pay the premium for their old policy and their new policy for one month. That allows them to switch back to the old plan if they aren’t satisfied with the new one. Once the old plan is canceled, the insurance company is not obligated to waive medical underwriting if the beneficiary wants to switch back without guaranteed issue rights.

Can I be denied Medigap coverage?

Insurance companies can deny coverage to beneficiaries apply for Medigap policies outside of the initial enrollment period or a special enrollment period with guaranteed issue rights.

 

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Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Nebraska State Links

Key Take Aways
  • Nebraska beneficiaries interested in covering Original Medicare gaps to reduce or eliminate out-of-pocket costs should learn more about Medicare Supplement plans in Nebraska.
  • There are 10 Medicare Supplement Plans in Nebraska to choose from.
  • In Nebraska, Medicare Supplement Plan G is the most popular plan for 2022.