If you reside in Nebraska and are currently in the process of becoming eligible for Medicare, you might be considering your options for Medicare plans in Nebraska. Those age 65 or older or who have certain disabilities are eligible for Medicare, a government health insurance program.

The program has made evolution over time to include options you can purchase from commercial insurance companies to enhance or replace the government’s protection.


Details about Medicare Plans in Nebraska

The CMS or Centers for Medicare & Medicaid Services issued the following data on Medicare trends in Nebraska for the 2022 plan year:

  • A total of 358,795 Nebraskans have Medicare coverage.
  • From $13.32 in 2021 to $13.83 in 2022, Nebraska’s average Medicare Advantage monthly premium marginally increased compared to the previous year.
  • In Nebraska, 36 Medicare Advantage plans will be available in 2022, up from 31 choices in 2021.
  • Nearly 98 percent of Nebraskans with Medicare can purchase a Medicare Advantage plan, with 96 percent having access to premium-free options.

In Nebraska, there are 12 different Medigap plans available for 2022.


Options for Medicare in Nebraska

Medicare is divided into various components.


Primary Medicare

Parts A & B of Original Medicare, which you receive directly from the government, are included.

  • Part A of Medicare. Part A offers limited coverage for home health care, skilled nursing facility care, and hospice care. Part A also helps cover some of the costs of inpatient healthcare services in a hospital.
  • Part B of Medicare. When you visit a doctor or specialist, Part B helps pay for the general outpatient services and medical supplies you get.
  • Original Medicare is not a complete insurance program. When you visit a doctor, you still have to pay out of pocket for copays, coinsurance, and deductibles. Additionally, there is no coverage for long-term care, prescription medicines, or dental or vision care.

There are, however, Medicare plans in Nebraska are available from private insurance providers that can supplement or take the place of original Medicare.


Nebraska Medicare Advantage

Original Medicare can be replaced with Medicare Advantage (Part C) plans, which provide an “all-in-one” solution. These plans offer extra coverage options such as prescription medication, dental, vision, and other benefits in addition to the same advantages as basic Medicare.

Several private insurance providers in Nebraska offer plans if Medicare Advantage appeals to you as a viable option. They consist of:

  • UnitedHealthcare and AARP
  • Medicare Aetna
  • Nebraska’s BlueCross BlueShield
  • Humana
  • Medica
  • Incorporated Medical Associates Health Plan

When looking for plans in your area, enter your unique ZIP code because Medicare Advantage plan offerings differ by county.


Medicare Trends in Nebraska in 2022

In Nebraska, 358,795 people are registered in Medicare as of 2022. The average monthly premiums in 2022 are anticipated to fall by 10% nationwide, while the variety of plans and benefits will continue to rise. In 2022, Nebraska:

  • 36 Medicare Advantage plans are readily available.
  • In 2022, the typical Medicare Advantage premium per month will be $13.83.
  • The least premium for Medicare Advantage plan is $0 per month.
  • A Medicare Advantage plan is available to 98 percent of Medicare beneficiaries.
  • Medicare beneficiaries who pay no monthly premiums will access 96 percent of Medicare Advantage plans.
  • Through the Part D Senior Savings Model, eight Medicare Advantage plans with prescription drug coverage will provide lower out-of-pocket payments for insulin.


In Nebraska, which Medicare Advantage Plans are offered?

If you decide to join a Medicare Advantage plan, your Medicare membership and enrollment will not change; the only thing that will change is how you receive your Medicare coverage. You will receive your Medicare Part A and Part B benefits through your Medicare Advantage plan rather than through the nationally run program.

The particular Medicare plan alternatives accessible to you will depend on your area and the county in which you reside. There are numerous different types of Medicare Advantage plans. Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans, two of the most well-liked varieties of managed-care Medicare Advantage plans, are a few examples of Medicare Advantage plan options that can be available in your area.

Your preferences will determine the sort of Medicare Advantage plan that works best for you. HMOs typically offer lower rates, but in order to receive coverage, you must use network providers. A PPO plan, which includes preferred provider networks you can use for the most affordable premiums but also offers you the option to travel outside of the network, may be chosen if you like having more provider options (your cost sharing may be higher when using non-network doctors).

Another form of Medicare Advantage plan that can be offered in your service region is Special Needs Plans. Beneficiaries who reside in institutions, have specific chronic conditions or receive both Medicare and Medicaid are excluded from enrolling in these programs. You must fulfill the particular needs plan requirements to enroll, and not all special needs plans may be offered anywhere.


Nebraska Medicare Advantage Prescription Drug Plans

You can choose to have prescription drug coverage integrated into your plan, which is a significant distinction between Original Medicare and Medicare Advantage plans. Medicare Advantage Prescription Drug Plans are Medicare Advantage Plans in Nebraska that cover prescription drugs (MAPDs). These insurance options for Medicare recipients combine medical coverage and prescription medication coverage into one package.

Plans for Medicare Advantage Prescription Drugs may differ in terms of the drugs they cover and their prices. The formulary of a Medicare Advantage plan, which is a list of all the prescriptions covered by the plan, can be used to determine whether a plan will cover your prescription medications. Keep in mind that the formulary could change at any time. Your plan will notify you when it’s essential.


How does contrast Nebraska Medicare Advantage plans?

Consider all the plan alternatives for your particular county and zip code while comparing all the Medicare Advantage plan options that are accessible to you. This is due to the fact that coverage alternatives and their costs will vary from county to county. For instance, a Medicare plan option’s rates in one county can be entirely different than a similar plan option in a different county.

In Nebraska, some Medicare Advantage plans have monthly rates as low as $0. However, this kind of plan might not be accessible everywhere. Even if your service region offers Medicare Advantage plans with no monthly premium, you may still be responsible for copayments, coinsurance, and deductibles. You’ll still need to pay your Medicare Part B premium with any additional premiums demanded by your Medicare Advantage plan.


How can I sign up for a Medicare Advantage plan, and when?

At different times of the year, you can join or change your Medicare Advantage plan (Part C), with or without prescription drug coverage.

  • Your initial enrollment period (IEP) begins when you first become eligible for Medicare and choose a plan.
  • Open Enrollment Period: From October 15 to December 4, you can sign up for, change, or drop coverage during this time. As long as your request gets to the insurance plan by December 7, your coverage will start on January 1 of the next year.
  • Every year, you can sign up for Medicare Advantage from January 1 to March 31. Once you are enrolled in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or back to Original Medicare.
  • Special Enrollment Period: If you meet certain rules, you can sign up for a Medicare Advantage plan during this time. Most of the time, this term refers to people who lose coverage, like when they move out of a plan’s service area.



Nebraska Medicare supplemental insurance plans

Original Medicare is supplemented with Medicare supplement plans, sometimes known as Medigap plans. They assist in paying a portion of the copay, deductible, and coinsurance expenses.

In Nebraska, a lot of companies provide Medigap plans. Some of the organizations providing Medigap policies across the state in 2021 include:

  • UnitedHealthcare and AARP
  • United States Retirement
  • Nebraska’s BlueCross BlueShield
  • Penn Colonial
  • Inc. Everence Association
  • State of Garden
  • Excellent Southern
  • Humana
  • Medica
  • Oxford
  • National Reserve
  • The State Farm
  • USAA


Enrolment in Medicare in Nebraska

As opposed to what we commonly believe, anyone can sign up for Medicare, regardless of age.

  • 65 years or older
  • are under 65 and have a recognized impairment
  • being of any age and suffering from amyotrophic lateral sclerosis or end-stage renal disease (ESRD) (ALS)


When is the Medicare Nebraska plan enrollment period?

If your Medicare eligibility is determined by age, you have three months to join the program before turning 65 and another three months after. Since you probably won’t have to pay anything for Part A at this time, and Part A benefits will work with any existing insurance coverage you have, it usually makes sense to enroll at least in Part A.

You have the option to postpone enrolling in Part B or any additional coverage at this time if you or your spouse continue to work and are still eligible for coverage under an employer-sponsored group health plan. You will be eligible for a later special enrollment period in these instances.

In addition, you can enroll in Medicare for the first time or switch plans between October 15 and December 7 during the annual open enrollment period. Medicare Advantage programs have an annual general enrollment period that spans from January 1 to March 31.


Advice for Nebraska Medicare Enrollment

The optimal type of plan for you will depend on your circumstances and preferences. Consider keeping in mind inquiries like the following:


How would you describe the provider network?

  • Does the network include nearby hospitals and doctors that I might require?
  • Will a referral be required if I need to consult a specialist?
  • How much will this plan cost me overall, including the premiums and the cost of care when I use it?
  • Does the plan offer coverage and initiatives that are appropriate for me?


Questions and Answers (FAQs)

Medicare Part C, usually referred to as Medicare Advantage, is what?

Private insurance companies offer Medicare Advantage (Medicare Part C), a sort of health insurance, to American adults of age 65 and older as well as younger people with specific disabilities and medical problems. The insurance firms receive a set charge from the federal government per enrollee in exchange for providing Original Medicare’s essential coverage, paying healthcare providers, and frequently adding on extra benefits.


How do Medicare Advantage and Medicare Supplement, often known as Medigap, vary from one another?

Original Medicare is replaced by Medicare Advantage plans, which offer the same coverage as Original Medicare as well as other benefits, including prescription medication coverage (Part D). Meanwhile, Original Medicare enrollees can purchase Medicare Supplement plans (often referred to as Medigap plans) from commercial insurance providers to assist fill in the coverage gaps. Ten different Medigap plan types offer uniform coverage and assist in covering expenses like deductibles, coinsurance, and copays, with letter names ranging from A to N. Another key distinction is that Medigap policies do not offer prescription drug coverage. In addition to any Medicare Supplement plans, an individual enrolled in Original Medicare who wants prescription medication coverage must purchase a separate Medicare Part D plan.


Who stands to gain the most from Medicare Advantage?

A Medicare Advantage plan offers easy coverage alternatives that a single insurer mostly offers to every eligible adult in the United States. Bundled coverage in a Medicare Advantage plan may also be more affordable for people with chronic medical conditions and particular coverage needs than using Original Medicare, and Medigap plans separately.



  • The Medicare program has more than 350,000 Nebraskans as beneficiaries.
  • Throughout the state, a number of private insurance providers provide different Medicare Advantage and Medigap policies.
  • The average monthly premium price for Nebraska Medicare Advantage plans for 2022 has risen a little.
  • If you live in Nebraska and are seeking supplemental coverage, there are also a number of Medigap plan choices.

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