October 6, 2016
Searching for Medicare Supplement (Medigap) plans in Nebraska? This article is a resource for Nebraska Medicare Supplement insurance information and plan comparisons.
Nebraska residents enrolled in Original Medicare (Part A and Part B) have the option to enroll in a Medicare Supplement (Medigap) plan, which may help cover the out-of-pocket costs that Original Medicare does not cover, including deductibles, copayments, and coinsurance. In most states, there are 10 standardized Medigap policy options, each labeled with a letter with all plans of the same letter offering the same benefits. Some companies may offer additional innovative benefits.
Nebraska Medicare beneficiaries should consider buying a Medicare Supplement plan during their Medigap Open Enrollment Period. During this six month period (which may start on the first day they are both age 65 and older and enrolled in Part B), their enrollment may not be delayed or denied (there are certain guaranteed-issue rights), and they may not be charged more for coverage as a result of medical underwriting and restrictions due to pre-existing conditions (although waiting periods may apply). Additionally, for issue-age-rated Nebraska Medicare Supplement plans that are based on a beneficiary’s age when the policy is purchased, premiums are lower for those who enroll earlier and buy at a younger age, and premiums may not go up as a result of age.
Take a look at the benefits you may receive under the 10 standardized Medicare Supplement plans available in Maryland. Please note that not every plan type is available in every location, and insurance companies that offer Medigap plans aren’t required to sell every plan. In this chart, X indicates that the service (or item) is 100% covered; a percentage indicates what percent of the service/item is covered; and a blank cell indicates it is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted||X||X||X||X||X||X||X||X||X||X|
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B excess charges||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Out-of-pocket limits apply.**|
*Medicare Supplement Plan F offers a high-deductible version in which beneficiaries pay a certain deductible amount before the plan begins coverage. This amount may change from year to year.
**Once you reach the out-of-pocket limits (including the Part B deductible), both Medicare Supplement Plans K and L pay 100% of covered services in the above chart for the remainder of the calendar year.
***Medicare Supplement Plan N pays 100% of the Medicare Part B coinsurance, except for a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission.
Medigap policy benefits in Nebraska do not vary between plans for the same type. However, the costs for each plan will vary depending on which carrier is offering the plan. Nebraska Medicare beneficiaries should first see what Medigap policies are available in their state, decide which plan type is best for their health needs, and then customize their search to find a Medicare Supplement plan suited for their budget.
Comparison shopping may be important when purchasing a Medigap policy in Nebraska. To start comparing Medicare Supplement plans in Nebraska today, enter your zip code above for a customized list of plans available in your area.
For more information about Medicare in Nebraska, you can access the following resources:
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.