Medicare Supplement Plans in Nebraska

Medicare Supplement plans in Nebraska are standardized by the federal Medicare program and labeled with letters A through N. Private health insurance companies offer the plans, but insurers cannot alter the benefits provided 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 significant 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 increase over the years, especially for beneficiaries who travel abroad or have chronic conditions requiring routine medical care at home. However, Medicare beneficiaries can sign up for a Medicare Supplement insurance policy that offers Medicare benefits designed to enhance Original Medicare by filling those gaps.

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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 that beneficiaries can enroll regardless of their Medicare Part B effective date. In addition, the coverage is the same as Plan F, except for 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 options for beneficiaries who often don't visit the doctor or emergency room.

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 Plan F

Medicare Plan F offers the most comprehensive benefits, including the Part B deductible. However, it also comes with the highest premiums and strict eligibility limitations. Only Nebraska beneficiaries enrolled in Medicare Part B before January 1, 2020, are accepted into this 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, tobacco usage, and the location of the application.

65-Year-Old Female Non-tobacco

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 or pre-existing health conditions. Beneficiaries with medical issues will receive the same rates as healthier applicants if they apply within these six months.

Beneficiaries may apply for Medigap insurance outside 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 anytime but 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 actual policy.

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

  • First, 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 and new policies for one month. That allows them to switch back to the old plan if they aren't satisfied with the new one. However, 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 applying for Medigap policies outside the initial enrollment period or a special enrollment period with guaranteed issue rights.

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 nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare. Give us a call 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.

Key Takeaways

  • 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.

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