Best Medicare Supplement Plans in Nebraska

There are ten Medicare Supplement plans available in Nebraska to help reduce or eliminate extra costs that Original Medicare doesn't cover.

• Of the ten plans offered, we found Aetna offers the best rates on Medicare Supplement Plan G at $115.87 per month. Plan G provides the most comprehensive coverage and benefits.
• Aetna's Medicare Supplement Plan N gives you valuable coverage for just $82.05 per month.
• And for those wanting the lowest possible monthly premium, Mutual of Omaha's version of the High Deductible Plan G offers a rate of $40.24 a month. You can have access to the same benefits as Medicare Plan G, however, this plan requires beneficiaries to pay an annual deductible of $2,700 before accessing those benefits.

Below is a highlight of the features and benefits of each plan.

What's the Best Medicare Supplement Company in Nebraska?

Based on our review of several key factors, Aetna is the best Medicare Supplement company in Nebraska.

While Aetna Medigap plans tend to be more affordable in Nebraska, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Aetna that are also available in Nebraska, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Nebraska?

The best price for Medicare Supplement Plan G in Nebraska is $115.87 per month with Aetna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Apply For a Medicare Supplement Plan?

Beneficiaries in Nebraska should enroll during their Medigap Open Enrollment Period. This is a six-month period that only occurs one time and cannot be repeated. The Open Enrollment Period starts the first month that a beneficiary is at least 65 years old and enrolled in Medicare Part B. During this time, Medicare companies cannot charge higher prices or deny anybody who applies. This is called having guaranteed issue rights. Beneficiaries are not required to answer questions regarding their current or pre-existing health conditions, and those with medical issues will receive the same rates as healthier applicants if they apply within these six months.

Special Enrollment Periods

There are a few other instances where beneficiaries may have guaranteed rights such as losing group coverage, moving out of a plan's service area, or your insurance provider going out of business. If you fall into one of these categories, you may be eligible for a Special Enrollment Period.

Outside of the OEP

Beneficiaries can apply for Medigap insurance outside the open enrollment period, but the insurer will then have the right to deny coverage or increase rates due to medical history.

If You are Under 65

If you are under 65, you may not be able to sign up for a Medigap plan unless you have a qualifying disability or ESRD (end-stage renal disease). Several states are required to sell at least one Medigap to beneficiaries under 65 with a disability. If you live in one of these states, your six-month Open Enrollment Period begins when your Part B coverage starts.

FAQ:

When Can I Change Medigap Plans?

The best time to change Medigap plans is within your open enrollment period, because during this time you will not be submitted to medical underwriting. You have the option to pay the premium for your old and new policies simultaneously for one month. This is called a "free look period," and it allows you to switch back to the old plan if you aren't satisfied with the new one. However, once your old plan is canceled, the insurance company is not obligated to allow another free look period.

If you try to change plans outside of your OEP, you may be charged more or denied coverage.

Can I Be Denied Medigap Coverage?

No, you cannot be denied coverage if you are applying within your Open Enrollment Period (OEP). However, insurance companies can deny coverage to beneficiaries who are applying for Medigap outside the OEP and do not have a special enrollment period.

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 some of the nation's top-rated Medigap carriers. So 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.