The Best Nebraska Medicare Supplement Plans (2024)

The average monthly rate of a Medigap plan in Nebraska for a 65-year-old is $119, and for a 75-year-old, $187. The most popular plans, because of their comprehensive coverage, are Plan F, costing around $184.45 per month, and Plan G, which is roughly $115.80 per month. But, Plan F is only available to individuals who were eligible for Medicare before 2020.

The next most popular is Plan N, costing roughly $106.70 per month for 65-year-olds and $163.78 monthly for 75-year-olds. While it offers similar coverage to the above plans, it does not cover the Part B excess charge.

MoneyGeek compared Medicare Supplement companies in Nebraska by analyzing the average premiums and added benefits they provide for these three plans, per our methodology. You can learn more about choosing the best Medicare Supplement plan by reading about different plans and coverages in our guide.

The best Medigap Plan G in Nebraska is offered by Aetna. Its average monthly rate is $113.72.

As info, MoneyGeek only ranked companies that give quotes online in Nebraska for Medicare Supplement plans. Therefore, there might be a Medicare Supplement provider in Nebraska that has a plan that better suits your needs but no online quoting tool.

On average, Medicare Supplement Plan G costs $138.50 per month in Nebraska.

For 65-year-olds, Physicians Mutual offers the cheapest Plan G in Nebraska at around $99.20 per month. Meanwhile, UnitedHealthcare has the most expensive premium for Plan G at roughly $142 monthly, about $43 more per month.

However, several factors will affect your rate, like medical underwriting, chosen provider and current age.

In Nebraska, 43 companies offer Plan G. However, not all have quotes available online. To help you find the best policy for your needs, MoneyGeek compiled the contact details of all Medicare Supplement Plan G providers in Nebraska. We also outlined their pricing methods to help you figure out which companies charge more based on your age.

Plan G, and every Medicare Supplement plan, is standardized and required to include specific coverage. But Plan G doesn’t cover the Part B deductible; it does include 80% of foreign travel exchange coverage up to plan limits.

Some Medigap providers offer added benefits. For example, Aetna includes foreign travel emergency coverage with Plan G.

MoneyGeek found Aetna offers the best Medicare Supplement Plan F in Nebraska, costing around $175.23 per month. There is also a high-deductible version of Aetna’s Plan F, where policyholders pay roughly $44.62 monthly.

Note that MoneyGeek only ranked companies with online quote availability, so providers without online quoting may have a more suitable plan for you.

In Nebraska, the average monthly cost of Medicare Supplement Plan F is $184.40.

MoneyGeek found the most expensive Plan F is offered by ​​UnitedHealthcare at $353.70 per month. On the other hand, Aetna offers the most affordable Plan F in Nebraska, costing $115.40 per month. That’s a savings of about $238 a month.

Your Plan F rate may depend on your current age, your age when you bought a policy, medical underwriting factors and potential discounts.

In Nebraska, 42 companies provide Medigap Plan F, but not all companies offer rate estimates online. That’s why MoneyGeek gathered every Plan F provider’s contact information in Nebraska and pricing style to show which may charge more by age so you can find the best option.

All Medigap policies are standardized and required to offer specific benefits. Plan F is no exception. Plan F also covers 80% of foreign travel exchange, up to the policyholder’s plan limits.

Meanwhile, certain companies, like Aetna, for example, include support for foreign travel emergencies as an added benefit.

Aetna offers the best Medigap Plan N in Nebraska. It costs around $84.36 monthly.

Take note: MoneyGeek’s scoring system was based on providers with online quoting. Therefore, you might find rates and offers that suit your needs better with a provider that doesn’t have an online quote tool.

In Nebraska, Plan N averages $135.20 per month.

The cheapest Plan N option for 65-year-olds in Nebraska is Aetna, costing around $84.40 per month. UnitedHealthcare offers the most expensive monthly rate at roughly $134.20. That’s a difference of almost $50.

Keep in mind that your final rate may depend on factors like chosen provider, current age, age when you purchased a policy, potential discounts and medical underwriting.

There are 40 insurance companies in Nebraska offering Medigap Plan N. Keep in mind that not all 40 providers have online estimates.

To help you get the best provider for your needs, MoneyGeek collected their pricing methods, including which charge more based on age, and contact details.

It’s a requirement for all Medicare Supplement Plan N policies to be standardized, having a minimum amount of benefits. But, Plan N doesn’t cover the Part B deductible and excess charge, although it does include 80% coverage for foreign travel exchange, according to plan limits.

Some companies include additional benefits with Medicare Supplement plans in Nebraska. For example, an Aetna policyholder gets foreign travel emergency care.

Aside from Plan F, G and N, Nebraska has other types of Medigap policies. Because they offer less comprehensive coverage, fewer individuals purchase Plan A, B, C, D, K and L.

Based on MoneyGeek’s data, when quotes were available online, we chose the best companies for each available other plan type. The top-ranking Medigap providers are:

• Plan A: UnitedHealthcare
• Plan B: Aetna
• Plan C: Blue Cross Blue Shield of Nebraska
• Plan K: UnitedHealthcare
• Plan L: UnitedHealthcare

If you were eligible for a Medigap plan after January 1, 2020, Plan C isn’t available in Nebraska or other states.

Because Medicare Supplement plans in Nebraska can be a challenging topic, MoneyGeek created a comparison chart to help you determine which plan suits your needs best. The chart includes all available plan types from our pricing data and analysis.

Each Medigap plan offers different levels of coverage. Sometimes, a plan type is only available based on when you were eligible for Medicare. Plan F and C offer the most comprehensive coverage; however, new enrollees cannot purchase these plans. Instead, they can get Plan G or Plan D, which are replacements for the aforementioned plans.

The chart below helps you compare average rates and different coverages for Medigap plans in Nebraska.

The cost of your Medicare Supplement plan in Nebraska depends on your specific plan and chosen provider. MoneyGeek’s research shows that for Plan B, F and N, Aetna offers the cheapest rates. Blue Cross Blue Shield of Nebraska offers the most affordable rate for Plan C. Physicians Mutual has the cheapest for Plan G, while UnitedHealthcare has the most affordable premiums for Plan A, K and L.

When it comes to Medigap pricing styles, companies use one of the following methods:

• Community-Rated: Companies don’t look at your age and charge the same monthly rate to everyone.
• Issue-Age: Medigap providers determine premiums according to your age when you purchase a plan.
• Attained-Age: Your Medicare Supplement rate is based on your current age, which means that premiums increase as you get older.

MoneyGeek answered commonly asked questions about Medigap in Nebraska to guide you through the process.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Nebraska for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.