Medicare Supplement Plans Nebraska 2024 – Rates

Original Medicare Parts A & B don’t fully cover all your healthcare expenses. You’re left with the balance to pay out-of-pocket, which can throw off your financial planning.

An extended stay at a hospital could mount some severe bills, and a Medigap plan ensures you don’t have to dip into your retirement savings to cover the expenses.

Medigap policies come in ten versions, each offering different coverage and benefits.

Plan F is the most popular choice, Plan G is the next most popular option, and Plan N is the best option for healthy seniors on a budget. Each Plan option varies in price depending on location, gender, age, tobacco use, etc.

This post examines the average premiums for Medigap plans F, G, & N for a 65-year-old nonsmoking woman.

We’ll look at the lowest-cost provider in each category to give you the information you need on Nebraska’s best Medicare supplement plans.

Use Us to Find the Best Medicare Supplement Plans in Nebraska

Call our fully licensed Medigap agents at 1-888-891-0229 for a free consultation and quote.

Our team works with all insurers in Nebraska, and we’ll find you the lowest rate on any Medigap plan in the Cornhusker State.

Or leave your details on our contact form, and we’ll call you back for a chat. If you know which plan you want, use the free tool on our site to get an automated quote on any Medigap policy.

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Medicare Supplement Plan F Nebraska – Cigna

Forty-two insurers offer Plan F policies in Nebraska, with the average monthly premium being $184.40 across all providers.

Cigna is the most affordable option, with average monthly rates of $137.60; Blue Cross Blue Shield is the most expensive provider, with monthly premiums of $353.70. Aetna also offers a high-deductible version of Plan F for $44.62 monthly.

Here are the average rates for Plan F from the leading insurers, with rates based on a 65-year-old female nonsmoker.

• Cigna: 137.60
• Aetna: $175.23
• Blue Cross Blue Shield of Nebraska: $258.40
• UnitedHealthcare: $353.70

What Does Plan F Cover?

Plan F is the only Medigap policy offering coverage for the Part B deductible.

However, it’s only available for seniors eligible for Medicare before January 1, 2020. If you don’t qualify, Plan G is your next best option.

• Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
• Part B coinsurance or copayments.
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayments.
• Skilled nursing facility care coinsurance.
• Part A deductible.
• Part B deductible.
• Part B excess charges.
• 80% of foreign travel exchange (up to plan limits).

Medicare Supplement Plan N Nebraska – Aetna

Forty insurers offer Plan N in Nebraska; the average rate is $115.20 per month across all providers.

Aetna is the most affordable option at $84.40 per month. Blue Cross Blue Shield is the most expensive at an average premium of $134.20 per month.

So, you can save up to $50 by going with Aetna over Blue Cross Blue Shield.

Here are the average rates on Plan N from the leading healthcare insurers in the state. Rates are based on a 65-year-old female nonsmoker.

• Aetna: $84
• Blue Cross Blue Shield of Nebraska: $102

What Does Plan N Cover?

Plan N is popular with healthy seniors who don’t see the doctor often. You get low monthly premiums but excellent coverage in a medical emergency.

• Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
• Blood (first 3 pints).
• Part A hospice care coinsurance or copayments.
• Skilled nursing facility care coinsurance.
• Part A deductible.
• 80% of foreign travel exchange (up to plan limits).

Plan N doesn’t cover Part B excess charges if you see doctors or specialists charging more than Medicare-approved rates (known as “Medicare Assignment”). It also doesn’t cover the Part B deductible.

What Do Plans F, G, & N Not Cover?

No Medigap plan covers the cost of private-duty nursing, long-term stays at unskilled nursing facilities, or prescription medications.

You also don’t have any coverage for preventative treatments at the chiropractor, acupuncture therapist, or physiotherapist.

Medigap doesn’t cover services for vision, hearing, and dental.

However, some insurers offer additional plans for a small monthly fee to cover these expenses. Or they offer you discounted rates if you use their network partners for these services.

What are the Best Alternate Medicare Supplement Plans in Nebraska?

Other Medigap plans exist for low-income seniors who can’t afford Plans F, G, or N.

According to our research,  Blue Cross Blue Shield of Nebraska offers the best rate on Plan C, and Aetna is the best choice for Plan B.

We based these average rates based on a 65-year-old female nonsmoker.

• Plan B – Aetna: $127.51
• Plan C – Blue Cross Blue Shield of Nebraska: $247.51

Discovering the best Medicare plan for you doesn’t have to be stressful. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!