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 plans available to Medicare recipients in Kearney, Nebraska.

Kearney, Nebraska Supplemental Medicare Plans

Supplement plans offer coverage for services that beneficiaries with Original Medicare 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.

Average Medicare Advantage Plans in Kearney, Nebraska

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 options 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 a great 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.

PLAN PREMIUM MOOP PLAN TYPE STAR RATING
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

Cheapest Medicare Supplement Plans in Kearney, NE

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 affordable, it comes with significant downsides. Most medical treatments provided to beneficiaries under Plan N require a copay.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
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

Affordable Medicare Part D in Kearney, NE

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

With 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.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

Medicare Special Needs Plans in Kearney, NE

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 and is another solid dual-eligibility option.

PLAN PREMIUM MOOP PLAN TYPE ELIGIBILITY
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

FAQs

Do Medigap plans have maximum out-of-pocket limits in Kearney, Nebraska?

Yes, Medicare supplement plans in Kearney, Nebraska, have out-of-pocket limits. These limits protect beneficiaries from unmanageable costs when medical emergencies arise.

Considering these limits is an excellent way to gauge the overall value of an individual plan.

What is the difference between Plan N and Plan G in Kearney, Nebraska?

Plan N and Plan G offer distinctly different advantages to Medicare beneficiaries in Kearney, Nebraska. Plan G provides the most comprehensive coverage currently available to new beneficiaries but also comes with a significant price. Conversely, Plan N offers more limited protection but for a more affordable cost.

How old do you need to be to get Medicare in Kearney, Nebraska?

To qualify for Medicare, most Kearney, Nebraska residents must reach the age of 65 and begin receiving Social Security benefits. There are a few additional requirements, but most residents qualify once they reach the required age.

The state makes exceptions for those with qualifying disabilities, so explore the program if you think you may be eligible.

Do Medigap premiums increase with age in Kearney, Nebraska?

Your provider’s rating system may increase Medigap premiums in Nebraska as you age. The increase, however, applies only to programs with attained-age ratings.

On the other hand, entry-age program prices remain constant, so consider this when making your decision.

Can I have more than one Medigap plan in Kearney, Nebraska?

There are ways to improve your Medicare coverage in Kearney, Nebraska despite the law prohibiting providers from selling multiple Medigap plans to the same beneficiary. For instance, beneficiaries can combine Medicare and Medicaid coverage. You can also purchase a Part D prescription drug plan to extend your coverage.

How To Sign Up for Supplemental Medicare in Kearney

It’s normal to feel overwhelmed when doing something as complicated as enrolling in Medicare in Kearney, Nebraska. Medigap.com 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!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.