For many Kearney, Nebraska, Medicare beneficiaries, supplemental plans protect them from gaps in Original Medicare coverage. Throughout this article, we will discuss the benefits and drawbacks of some of the programs available to Medicare recipients in Kearney, Nebraska.

Medicare plans in Kearney, Nebraska

Supplement plans offer coverage for services that beneficiaries with Original Medicare in Kearney, Nebraska, would have to pay for themselves. Individuals with Medicare can choose Medicare Advantage or Medigap plans depending on their needs. We based the numbers on the data of a 70-year-old female patient, but they should provide a good sense of what to expect.

Medicare Advantage plans

In Kearney, there are 18 Medicare Advantage plans. This type of insurance is available from private companies and provides essential coverage to beneficiaries in the state, albeit with different prices and advantages.

One of the best Medicare Advantage options in Kearney, Nebraska, is an Aetna (HMO-POS) plan. With a four-star rating and a relatively low MOOP (maximum out-of-pocket) rate of $4,100, Aetna is an excellent choice for cost and coverage.

Wellcare (HMO) is another excellent option for beneficiaries in Kearney. Despite having a three-star rating and a zero-dollar monthly fee, the plan is extremely affordable. Impressively, its $3,900 MOOP is the lowest in the state.

Among PPO plans, UnitedHealthcare (Local PPO) provides excellent features for a competitive cost. Additionally, UnitedHealthcare does not charge a monthly premium and caps its MOOP at $4,500, making it an attractive alternative to HMOs.

The average cost of Medicare Advantage plans in Kearney, Nebraska

UnitedHealthcare $0 $4,500 LOCAL PPO 4
Wellcare $0 $3,900 HMO N/A
Medica $0 $4,500 1876 COST 4
BCBS of Nebraska $0 $6,250 HMO 4
Aetna $0 $4,100 HMO-POS 4

Medicare Supplement plans

Benefits are the same no matter where you live, but prices vary based on several factors. A Kearney, Nebraska, Medicare Supplement plan can increase coverage for your healthcare costs. By offering broader coverage, these plans shield beneficiaries from unexpected expenses.

Beneficiaries appreciate Plan G’s balanced coverage. The plan still has some coverage gaps, even though it covers most medical expenses. Beneficiaries in Kearney pay between $94 and $503 for this Medigap policy.

The premium for Plan F in Kearney ranges from $111 to $350, making it the most expensive Medigap option. However, Plan F compensates for its cost with premium coverage and coverage for Medicare excess charges, making it the most comprehensive overall Medigap plan available.

Plan N is an affordable yet effective alternative for Nebraska beneficiaries, costing between $74 and $428. Although this plan is reasonable, it comes with significant downsides. Most medical treatments provided to beneficiaries under Plan N require a copay.

The average cost of Medicare Supplement plans in Kearney, Nebraska

PLAN A $93.89 $446.80
PLAN B $118.53 $418.90
PLAN C $128.45 $468.31
PLAN D $103.93 $299.76
PLAN F $111.27 $530.53
PLAN HDF $34.88 $67.08
PLAN G $94.84 $503.20
PLAN HDG $36.62 $65.41
PLAN K $48.25 $156.62
PLAN L $60.75 $262.05
PLAN M $72.98 $297.63
PLAN N $74.05 $428.36

Medicare Part D prescription drug plans

For Medicare beneficiaries, Part D insurance helps cover medications your doctor prescribes to you. It’s critical to have this coverage since Medicare Advantage plans and some Medigap policies don’t cover these expenses. Registering for Part D is necessary for most beneficiaries in Kearney, Nebraska.

With Kearney, Nebraska, Part D premiums starting at $6.80 and deductibles at $480, Aetna is the least expensive of the local plans. Wellcare, by contrast, has a higher premium at $10.60 a month with a $480 deductible. A four-star plan is available from Humana, but its premium is higher than the alternatives.

The average cost of Medicare Part D plans in Kearney, Nebraska

Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Special Needs plans

Medicare Advantage beneficiaries with special medical needs can choose Special Needs Plans (SNPs). Some beneficiaries benefit significantly from these plans, so check to see whether you qualify.

Those with dual eligibility can enroll in Wellcare’s SNPs with a MOOP of $3,450. A Great Plains plan also offers a monthly out-of-pocket budget of $6.00, but with institutional eligibility only. UnitedHealthcare’s program sets a MOOP of $7,550, another solid dual-eligibility option.

The average cost of Medicare Special Needs plans in Kearney, Nebraska

Wellcare $0 $3,450 LOCAL PPO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Wellcare $0 $3,450 HMO Dual
Great Plains $38.90 $6,000 HMO Institutional
Great Plains $50.00 $3,000 HMO Institutional

How to sign up for Medicare plans in Kearney

It’s normal to feel overwhelmed when doing something as complicated as enrolling in Medicare in Kearney, Nebraska. is here to help Medicare beneficiaries in Kearney, Nebraska, find the perfect plan.

If you’re looking for affordable coverage, please call us today or fill out our online rate form to get rates today!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.