Medicare Advantage Plans in Nebraska

Medicare Advantage plans in Nebraska are an alternative way to get complete Medicare coverage. People eligible for Medicare benefits can purchase a Medicare Part C plan from a private insurance company. The plan provider is required by US federal law to provide at least the same benefits that Original Medicare does.

Through a Medicare Advantage plan, enrollees pay a monthly premium for a plan that bundles Medicare Part A (inpatient hospital insurance), and Medicare Part B (outpatient medical insurance) benefits into one plan.

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Top-rated Medicare Advantage Providers in Nebraska

  • 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: Also a notable carrier to look for in your area.

Popular Medicare Advantage Plan Types in Nebraska

Most network freedom: Medicare Advantage PPO plans

  • PPOs give Medicare beneficiaries more options for network providers.
  • PPO enrollees don’t need referrals from their primary care physicians.
  • Monthly premiums are between $0 and $100.00.

Lower out-of-pocket costs: Medicare Advantage HMO plans

  • Most HMOs have $0 monthly premiums.
  • HMO enrollees require referrals. This helps keep costs down.

Low income or chronic health conditions: Medicare Advantage D-SNP

  • D-SNPs, or Dual Eligible Special Needs Plans, benefits those with low income or with conditions such as end-stage renal disease.
  • Enrollees have both Medicare and Medicaid coverage. These plans help with costs like copayments, premiums, and deductibles.

Nebraska Enrollment Facts:

  • The total number of people with Medicare Advantage coverage in Nebraska: is 65,094
  • The number of people enrolled in Local HMO plans: is 27,377.
  • The number of people enrolled in Local PPOs: 9,399
  • The number of people enrolled in Regional PPOs: 0
  • The percentage of Medicare beneficiaries enrolled in a Medicare Advantage plan in Nebraska: 15%
  • The total number of lives enrolled in Medicare Advantage plans nationwide: is over 26 million.
  • The percentage of Medicare beneficiaries enrolled in Medicare Advantage nationwide is 42 percent.

How much does Medicare Advantage in Nebraska cost?

Eligible beneficiaries in Nebraska can find HMO plans with $0 monthly premiums. Some service areas may also have PPOs with zero premiums, although these are less commonly seen.

Medicare Advantage plans in Nebraska that have prescription drug coverage carry an average monthly premium of $18, and the average annual deductible is $155.

If you live in Nebraska, you can ask a licensed insurance agent for details about the plans available to you.

$0.00 to $18.00

PPO Plan $0.00

When can I enroll in a Medicare Advantage plan?

You can enroll in a Medicare Advantage plan in Nebraska during the following periods:

1. The Initial Enrollment Period

At 65:

  • If you receive Social Security retirement benefits when you turn 65, the Social Security Administration automatically enrolls you in Medicare Part A and Part B. You can switch to Medicare Advantage during this enrollment period.
  • Your seven-month Initial Enrollment Period starts three months before the month of your 65th birthday. It includes the entire month of your birth date and ends three months after that.

Below age 65:

  • If you are receiving Social Security disability benefits
  • If you have end-stage renal disease or ALS
  • Your Initial Enrollment Period starts three months before the 25th month of receiving disability benefits. It includes that entire month, and it ends three months after that.

2. Annual Election Period (AEP)

During the Annual Election Period, you can sign up for a new Medicare Advantage plan, switch to a different Medicare Advantage plan, go back to Original Medicare Part A and Part B, and/or enroll in a stand-alone Medicare Part D plan.

AEP runs from October 15 to December 7 every year. Any changes you make during this period start on January 1.

3. The Medicare Advantage Open Enrollment Period

The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. You can return to Original Medicare Part A and Part B during this period or sign up for a different Medicare Advantage plan. Any changes start on the first day of the month following your changes.

4. Medicare Special Enrollment Periods

People who qualify for special enrollment can sign up for a Medicare Advantage plan or Medicare Part D plan, or they can make changes to existing health care plans.

To be eligible for special enrollment, one or more of the following situations must apply to you:

  • You are moving from one service area to another.
  • You are moving back to the US after living abroad.
  • You are moving into or out of skilled nursing or long-term care facility.
  • You are being released from prison.
  • You are no longer eligible for Medicaid or have become dual eligible for Medicare benefits and Medicaid Services.
  • Your Medicare Advantage coverage ends or does not renew your enrolled plan.
  • You wish to switch your coverage to a Medicare Advantage plan from Original Medicare Parts A and B together with a Medigap plan.

5. The five-star Special Enrollment Period

If a Medicare Advantage plan with a five-star rating is available in your service area, you can upgrade your coverage to the five-star one.

6. The Special Enrollment Period for Medicare “Extra Help” programs

Beneficiaries who are in Medicare’s Extra Help program or have coverage through Medicaid can change coverage during one of the following enrollment periods:

  • January – March
  • April – June
  • July – September

Medicare Advantage Highlights:

Here are some other features of Medicare Advantage plans in Nebraska:

  • Medicare Part C enrollees must continue paying their Part B premiums for eligibility in Medicare Advantage.
  • The standard monthly Medicare Part B premium for 2023 is $164.90.
  • The annual Part B deducible for 2023 is $226.
  • Medicare Advantage plans in Nebraska are quickly gaining popularity as the coverage of choice.
  • Require beneficiaries to use healthcare providers and suppliers within a network.
  • Medicare Advantage Prescription Drug plans (MAPDs) also include prescription drug coverage.
  • Most Medicare Advantage plans in Nebraska have extra benefits like vision, dental and hearing care coverage and/or wellness club memberships.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Call us today, or request a quote online to learn more about plan options.

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