Nearly 87,000 of Nebraska’s 344,000 Medicare beneficiaries enroll in Nebraska Medicare Advantage plans. Such plans offer extended coverage, reducing healthcare costs for beneficiaries. In this article, we examine Nebraska’s Medicare Advantage plans.
Medicare Advantage plans in Nebraska
Despite its many benefits, the Medicare program has significant coverage gaps. Beneficiaries concerned about rising medical costs should consider Medicare Advantage plans an excellent alternative.
Since private insurance companies are responsible for setting up and supporting these plans, the benefits may differ from plan to plan.
All Medicare Original and Medigap plans must adhere to government regulations, but Medicare Advantage plans aren’t subject to these rules. Because of this, each plan will have different benefits. In addition, these figures relate to a specific part of Nebraska, so your prices may be slightly different.
Following are a few options available to beneficiaries of Nebraska Medicare plans. Choosing the best health insurance plan is vital since some programs have specific benefits, such as no premiums and low deductibles.
Medicare Advantage plans with a zero-dollar premium
Many beneficiaries may find zero-dollar premiums enticing, but pitfalls remain. An increased deductible will increase the cost of an operation or prolonged hospital stay for a beneficiary. Beneficiaries of these plans must plan ahead, even if the monthly savings make it worth the risk.
Humana (Local PPO) is an excellent Medicare Advantage provider in Nebraska. It boasts a four-star rating, a zero-dollar premium, and a reasonable MOOP (maximum out-of-pocket) rate of $6,700.
Nebraska beneficiaries can also choose Aetna (HMO-POS). This plan is rated four stars and has no monthly fee, and the MOOP is competitive at $5,000.
Effective coverage is available at a very attractive price with Wellcare plans. Nebraska benefits recipients can use Wellcare as an alternative to PPOs with a MOOP of $4,500 and zero monthly premiums.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATING |
| Humana | $0 | $6,700 | LOCAL PPO | 4 |
| $0 | $4,500 | HMO-POS | 4 | |
| Wellcare | $0 | $4,500 | HMO | N/A |
| Aetna | $0 | $5,000 | HMO-POS | 4 |
| BCBS of Nebraska | $0 | $6,250 | HMO | 4 |
Medicare Advantage plans with a zero-dollar drug deductible
Nebraskans can purchase the most affordable Medicare Advantage plans with no drug deductibles through Wellcare. With an impressive three-star rating, this plan also offers a low MOOP of $3,900 and a zero-dollar premium.
Aetna’s Nebraska policy is another good option. Its four-star rating is excellent and does not require you to pay a premium. Also, its $5,000 MOOP makes it a cost-effective option for Nebraskans.
Beneficiaries in Nebraska should also weigh the advantages of plan, and this plan has a MOOP of $3,900 and a monthly premium of $19. With a four-star rating, this plan is a reliable option for beneficiaries in the state.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATING |
| Wellcare | $0 | $4,900 | LOCAL PPO | N/A |
| Aetna | $0 | $5,000 | HMO-POS | 4 |
| Wellcare | $0 | $3,900 | HMO | N/A |
| Aetna | $0 | $5,500 | LOCAL PPO | 4 |
| $19.00 | $3,900 | LOCAL PPO | 4 |
Medicare Advantage plans With a Part B reduction
Plan holders can save money on Part B by utilizing the reductions the following plans offer. However, there is a possibility that Part B reductions may not be available in all areas.
Humana offers some of the best discounts on Part B coverage in Nebraska. Apart from providing a $50 reduction, the plan features a $6,700 MOOP.
As part of its plan, Wellcare offers a Part B premium reduction. Individuals on a limited budget may benefit from this reduction of $30.
Finally, there is Aetna’s plan, which offers a $25 discount. With a four-star rating and MOOP of $6,700, the plan remains a solid option for beneficiaries in Nebraska, despite its low reduction.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATING |
| Humana | $0 | $6,700 | $50.00 | 4 |
| Wellcare | $0 | $4,500 | $30.00 | N/A |
| $0 | $6,700 | $30.00 | 4 | |
| Aetna | $0 | $6,700 | $25.00 | 4 |
Ancillary/DVH
Medicare Advantage plans usually include dental and vision coverage among their many benefits. These aspects of coverage, though not part of Original Medicare and Medigap, are vital to overall healthcare.
Many Medicare beneficiaries choose Medicare Advantage plans as supplemental coverage for this benefit.
Nebraska cities with estimated Medicare Advantage premiums
The accompanying charts provide an estimation of premiums for Medicare Advantage in the cities below:
FAQs
What determines the cost of a Medicare Advantage plan in Nebraska?
The cost of Medicare Advantage plans in Nebraska depends on various factors. The benefits of these plans can vary dramatically, so the included protections are the first things that determine the price.
Additionally, lifestyle factors and location can impact the cost of premiums and deductibles for Nebraska Medicare Advantage plans.
What are the four types of Medicare Advantage plans in Nebraska?
In Nebraska, there are four types of Medicare Part C plans. Beneficiaries can choose from HMOs, PPOs, PFFSs, or Special Needs Plans (SNPs), each with different advantages and downsides.
Do Medicare Advantage plans cover pre-existing conditions in Nebraska?
Pre-existing conditions can dramatically raise healthcare costs for Americans in many different situations.
Fortunately, Medicare Advantage plans cover all pre-existing conditions in Nebraska. In addition, beneficiaries don’t need to submit information regarding these conditions, so the issue shouldn’t arise when registering.
Can my Medicare Advantage plan deny my coverage in Nebraska?
Generally, anyone eligible for Original Medicare Part A and Part B in Nebraska is also qualified to enroll in a Medicare Part C plan.
However, in some cases, providers do deny coverage to beneficiaries. In these cases, federal and state law usually entitles beneficiaries to an appeal, which can help bring justice if the provider mistreats them.
What type of coverage does a Medicare Advantage plan exclude in Nebraska?
While Medicare Advantage plans provide beneficiaries with valuable coverage beyond that of Original Medicare, they don’t cover everything.
For instance, these plans don’t typically cover alternative medicine and any treatment outside the United States. Additionally, beneficiaries usually need supplements to cover dental, vision, and hearing services.
How to get help enrolling in a Nebraska Medicare Advantage plan
There are many Medicare plan options in Nebraska, making the process daunting. Fortunately, Nebraska beneficiaries can work with the experts at Medigap.com to efficiently select the ideal plan for them.
We can help you find the best Nebraska Medicare Advantage plans, so call us or fill out our web form to get rates today.
