bestMedicare AdvantageNebraskaBest Nebraska Medicare Advantage Plans
Updated: May 6, 2024
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MoneyGeek used the Centers for Medicare & Medicaid Services (CMS) five-star rating system to find the best Medicare Advantage plans that are easily obtainable in Nebraska. We evaluated plan types, the amount of drug coverage required and how much you can afford to pay out of pocket.
Remember that these are only generalizations. Shopping around for the best provider for your needs is the smartest way to choose a plan. Also, make sure the medical providers you wish to use are covered by the insurance plan you're considering purchasing.
MoneyGeek also analyzed the best medicare supplement plans in Nebraska for those focused on covering out-of-pocket expenses.
bestMedicare AdvantageNebraskaBest Medicare Advantage Plans in Nebraska
Best Medicare Advantage Plan in Nebraska - Overall
The ideal Medicare Advantage plan for you depends on your specific healthcare requirements. A high CMS star rating and having the six core benefits are important factors to consider when looking for a Medicare Advantage plan in Nebraska. MoneyGeek found that the HumanaChoice H5216-254 (PPO) by Humana is the state's top option.
A Preferred Provider Organization (PPO) plan eliminates the need for a specific referral procedure to visit a specialist and gives you access to a far broader network of providers. If you can afford it, the flexibility this plan offers is worth the price.
Humana
If you live in Nebraska and are searching for a PPO, you may want to consider the HumanaChoice H5216-254. However, what's best for you will depend on your healthcare needs.
Details about this plan include:
- No monthly premium
- A drug plan with a deductible of $250
- In-network max-out-of-pocket payment is $4,050
- Aan overall star rating of 4 out of 5 from CMS
HumanaChoice (PPO) coverage covers vision, dental, hearing, fitness, worldwide emergency, over-the-counter drugs and telehealth services. Because of the worldwide emergency coverage, it is a good choice for travelers. It also has a good CMS rating and offers Part D prescription drug coverage.
Best HMO Medicare Advantage Plan in Nebraska
The ideal HMO Medicare Advantage Plan in Nebraska for you depends on your medical needs. If you're looking for an HMO plan in Nebraska that includes drug coverage, the six core benefits and a high CMS star rating, MoneyGeek found that the Humana Gold Plus H0028-053 plan from Humana is the best option.
HMO plans are cheaper than PPO plans. However, they do have their downsides. Staying within your own network is the only way to guarantee coverage. Exceptions to this rule are made only in the event of an emergency. Referrals are also required when seeking treatment from a specialist.
Humana
If you live in Nebraska and are looking to purchase an HMO, your best option could be the Humana Gold Plus H0028-053 plan. However, your unique needs may make a different plan better for you.
The details of this plan include:
- No monthly premium
- A drug coverage with a drug deductible of $150
- In-network max-out-of-pocket payment is $3,850
Part D coverage is included, along with the most common additional benefits. This plan includes services such as worldwide emergency, vision, telehealth, hearing, fitness and dental. It also received high ratings from the CMS.
Best Medicare Advantage Plan in Nebraska Without Drug Coverage
Not everyone wants a plan that covers drug prescriptions. If you are not a Nebraska resident who needs Part D prescription drug coverage, there are several plans available for you.
MoneyGeek found that if you are looking for a Medicare Advantage Plan with the six core benefits and a high star rating from the CMS, you may want to consider the Humana Gold Plus H0028-053 plan by Humana.
Humana
If you live in Nebraska and don't need or want prescription drug coverage, MoneyGeek recommends the Humana Gold Plus H0028-053 plan. This plan does include drug coverage.
The specifics of the plan include::
- No monthly premium
- An in-network max-out-of-pocket limit of $3,850
- An overall star rating of 4.5 out of 5 from the CMS
In addition to CMS's good rating, this plan includes six of the most popular additional benefits. Vision, dental, hearing, fitness, worldwide emergency and telehealth are among them.
Best Medicare Advantage Plan in Nebraska for Low Max Out-of-Pocket Costs
Despite the fact that many Medicare Advantage Plans have low or no premiums, paying out of pocket may result in higher expenses in certain instances. To prevent this, look for an in-network plan with a low maximum out-of-pocket spending limit.
MoneyGeek found that, for buyers in Nebraska who want a Medicare Advantage Plan with a low maximum out-of-pocket limit, drug coverage, six core benefits and an excellent CMS star rating, the AARP Medicare Advantage Choice Plan 1 from UnitedHealthcare is the best option.
AARP
The AARP Medicare Advantage Choice Plan 1 is the best option for Nebraska customers, regardless of whether or not they need drug coverage. This plan includes prescription drug coverage.
This plan offers:
- Monthly Premium: $19
- In-network max-out-of-pocket payment: $3,900
- Overall star rating of 4 out of 5 from the CMS
If you have a high amount of medical bills in a given year, a plan with a low maximum out-of-pocket cost might save you a lot of money. When your AARP Medicare Advantage Choice Plan 1 deductible of $3,900 is met, the insurance company will begin paying for in-network treatments. However, with a PPO plan, out-of-network coverage has a specific maximum out-of-pocket limit. This specific plan has an out-of-network maximum of $8,000.
Medicare Advantage Plan in Nebraska - Statistics
Medicare Advantage Plans in Nebraska are offered by six different healthcare providers. These stats will help you learn about plan types, plan costs and the standard benefits.
- 1
Nebraska Medicare Advantage Plans are a mix of HMO, PPO, PFFS and Cost, with 65.2% offering drug coverage
In Nebraska, 43.5% of Medicare Advantage Plans are Preferred Provider Organization plans, 31.9% are Health Maintenance Organization plans, 22% are Cost plans and 3% are Private Fee-For-Service. Drug coverage is available in 65.2% of these plans.
- 2
59% of Medicare Advantage Plans in Nebraska have a $0 premium
About 59% of all Medicare Advantage Plans available are free. 41% of plans cost money, and the average premium is $48.30.
- 3
Hearing, telehealth, worldwide emergency and vision benefits are common in Nebraska, with most plans offering them
The most popular Medicare Advantage Plan benefits include hearing, telehealth, worldwide emergency aid and vision. In-home support, home safety devices and transportation are the rarest of the Medicare Advantage Plan benefits in Nebraska.
Methodology
MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Nebraska were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Nebraska based on county availability.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.