Introduction to Medicare Advantage in Nebraska (Part C)

Medicare Parts A and B (sometimes referred to as Original Medicare) are fairly comprehensive – but they aren’t fully comprehensive. There are some coverage gaps which, if you don’t find a way to cover them, could become very expensive later on. There are different supplemental insurance policies which can help you with this. Medicare Advantage is one of them. We’ll discuss some of the finer details of Medicare Advantage (Medicare Part C) here in this article.

Federal Regulations for Medicare Advantage

Medicare Advantage is also sometimes referred to as a “Medicare replacement” policy. This is because an active Medicare Advantage plan effectively replaces your Original Medicare benefits. But don’t worry – federal law dictates that your Advantage plan must provide at least the same or better coverage than what you would get from Original Medicare. And it is highly likely that your Advantage plan will include even more than just that basic coverage.

Medicare Advantage Enrollment In Nebraska

Medicare Advantage plans aren’t very popular in Nebraska. Only about 13% of seniors in the state are currently enrolled in a Medicare Advantage plan. Of those, not all are members of the same plan; the plans vary widely by popularity, as you can see in the chart below.

Plan Type Enrollment Percentage
HMO Plans 59%
Local PPO Plans 13%
Special Needs Plans 11%
Regional PPO Plans 9%
Private Fee-For-Service Plans 5%
Other (Cost Plans, MSA’s, etc.) 3%

Plan Coverage & Cost

Your rates will vary based on personal factors such as location, age, when you enrolled, and how healthy you are. Based on aggregated data, we’ve come up with some estimated rates for seniors in your area. Remember, though, that your specific rate will vary.

Most Popular Medicare Advantage Plans in Nebraska

One of the biggest factors which dictates the price of your Medicare Advantage plans is the provider network. There are HMOs, PPOs, PFFS plans, and many more which will vary based on your location. They also vary based on the type of medical care you will have access to.

Helpful Medicare Advantage Tips & Tricks

Doctor/Provider Network Restrictions

Medicare Advantage is different from other supplement insurance plans in that it comes with specific networks of doctors and hospitals which are approved by your insurance provider. If you try to go outside of your network, it could prove difficult or costly to get the medical care that you need. Also, your list of approved doctors and facilities could change at any time. So be prepared for sudden changes.

Doctor/Providers List

Drug, Vision and Dental Coverage

Another way in which Medicare Advantage plans vary has to do with ancillary coverage. Most supplements don’t allow for additional benefits, such as vision, dental, or Part D Prescription drug coverage. But a Medicare Advantage plan will allow you to add some or all of these coverages to the same, streamlined policy. But it will cost more to add more options, so keep that in mind when you are crafting a policy with your insurance agent.

Enrollment Options & Best Time To Enroll

Enrolling in Medicare Advantage is as simple as enrolling in Medicare – provided you enroll within your Initial Enrollment Period. If you try to enroll outside of your IEP, and do not qualify for a Special Enrollment Period, you may have difficulty getting covered. This is especially true for people with serious health conditions, such as ESRD (or End Stage Renal Disease). But your insurance agent can give you more information on getting covered under unusual circumstances. You can also take a look at our Medicare Advantage Enrollment Options page for more info.

  • Initial Enrollment Period: 6-month timeframe when you first enroll in Medicare to purchase a Medicare Advantage plan.
  • Annual Enrollment Period (AEP): This timeframe runs from October 15th through December 7th every year, and during this time you can change or cancel your Medicare Advantage and part D drug plan.
  • Special Enrollment Period (SEP): During special circumstances, you may be eligible to purchase/change a plan outside of the Annual Enrollment Period. Things such as moving out of the plans’ service area, losing group health or employer coverage, a company no longer offering plans in the area, etc. are all events that could trigger a SEP.

What Medicare Advantage Plan Is Best For Me?

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