Lincoln, Nebraska, has more than 108,000 Medicare beneficiaries. The area’s Medicare enrollees choose Medicare Advantage plans more than 55% of the time. Here’s a look at the advantages and disadvantages of each plan.

Lincoln, Nebraska Supplemental Medicare Plans

You can cover services you would otherwise have to pay for with a supplement plan. Medigap and Medicare Advantage plans are both available to Medicare beneficiaries.

In Lincoln, the average age of Medicare Advantage enrollees is 73 years old — just a year older than the national average.

Cheapest Medicare Advantage Plans in Lincoln, Nebraska

In Lincoln, the available Medicare Advantage plans total 21. Each plan offers unique advantages and disadvantages, yet they are all valuable to beneficiaries in the state.

One of the best options is a Humana health plan (HMO). In addition to its four-star rating and relatively low MOOP (maximum out-of-pocket) rate of $4,050, Humana has an excellent reputation for service and coverage.

Wellcare (HMO) is another excellent option for Lincoln, Nebraska Medicare clients who prioritize high-quality service. Despite the lack of rating and zero-dollar monthly premiums, this option has a higher MOOP than alternatives for the area. At a monthly cost of $4,500, this plan is easy for many beneficiaries to budget for.

In addition to offering excellent coverage at a reasonable price, UnitedHealthcare (Local PPO) provides four-star service. Additionally, UnitedHealthcare does not charge a monthly premium, and a maximum out-of-pocket expenditure of $6,700 per month makes it an attractive alternative to HMO plans.

PLAN PREMIUM MOOP PLAN TYPE STAR RATING
Medica $0 $4,000 HMO N/A
Humana $0 $4,050 LOCAL PPO 4
Aetna $0 $4,100 HMO-POS 4
Wellcare $0 $4,500 HMO N/A
UnitedHealthcare $0 $6,700 LOCAL PPO 4

Affordable Medicare Supplement Plans in Lincoln, NE

Supplemental Medicare plans cover your healthcare needs more comprehensively than Original Medicare. The benefits of these plans are the same no matter where you live, but the prices may vary.

Plan G is popular among Lincoln’s beneficiaries thanks to its affordable and effective coverage. Under this plan, the insurance company will cover most medical bills, although some gaps remain. Medigap policies for Plan G range in price from $116 to $568.

Plan F is another Medigap option. There are several benefits to this Medigap plan, but it is more expensive than other Medigap plans, with a cost range of $139 to $598. In addition to covering Medicare excess charges, Plan F is the most comprehensive overall Medigap plan available.

Nebraska beneficiaries can expect to pay a premium between $88 and $483 when choosing Plan N. Patients who select Plan N will have to pay a copayment for most medical services.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $104.59 $546.30
PLAN B $144.78 $472.88
PLAN C $160.26 $528.70
PLAN D $131.47 $345.72
PLAN F $139.72 $598.24
PLAN HDF $41.92 $78.50
PLAN G $116.38 $568.00
PLAN HDG $39.82 $76.56
PLAN K $60.83 $176.87
PLAN L $76.67 $320.41
PLAN M $94.83 $363.91
PLAN N $88.46 $483.48

Affordable Medicare Part D in Lincoln, NE

Part D plans will cover your prescription medications if you have Medicare. There is no coverage for these expenses in Medicare Advantage plans or some Medigap policies. For this reason, establishing adequate Medicare coverage in Lincoln, Nebraska, requires enrolling in Part D.

Aetna is the least expensive plan provider in the area, offering a $480 deductible with a monthly premium of $6.80. In contrast, Clear Spring has a higher monthly premium of $16.60, with a $480 deductible. UnitedHealthcare pairs a $310 deductible with a $29.30 premium.

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 Lincoln, NE

Plans explicitly designed for beneficiaries with special health needs are Special Needs Plans (SNPs). These plans can help simplify the challenging process of living with a disability through tailored care and coverage for qualifying beneficiaries.

Lincoln’s Humana plan offers its beneficiaries dual enrollment and a MOOP of $3,450. Additionally, Wellcare provides a monthly plan with an out-of-pocket limit of $3,450 and dual coverage. As a final option for beneficiaries seeking dual eligibility, Aetna’s plan provides a MOOP of $7,550.

PLAN PREMIUM MOOP PLAN TYPE ELIGIBILITY
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Wellcare $0 $3,450 LOCAL PPO Dual
Humana $0 $3,450 HMO Dual
Great Plains $38.90 $6,000 HMO Institutional

FAQs

Can you switch from Medicare Advantage to Medigap in Lincoln, Nebraska?

In Nebraska, you must follow certain conditions when changing your Medigap plan. Beneficiaries can only make changes to their insurance coverage annually during the Annual Election Period (AEP). Mark your calendar or set a reminder for October 15th and December 7th to switch coverage.

How common are the Medicare Part B excess charges in Lincoln, Nebraska?

Medicare Part B excess charges occur when a medical provider charges a higher price than Medicare is willing to pay for a specific service.

These charges can significantly burden beneficiaries, particularly if their deductible is already a sizable amount. Fortunately, these charges are relatively rare, as most doctors agree to bill the approved amount.

What is the premium for Medicare Part B insurance in Lincoln, Nebraska?

In Lincoln, Nebraska, the premium for Medicare Part B insurance is $135.50. Beneficiaries must pay this cost monthly, but the state typically deducts it directly from Social Security benefits.

The Part B deductible is separate from this amount, and beneficiaries must also pay the deductible before Medicare covers their costs.

Does Medicare cover emergency room visits in Lincoln, Nebraska?

Yes, the portion of Medicare emergency medical visits in Nebraska is Part B. Beneficiaries can get urgent medical care and emergency room visits under Part B of Medicare. There is a Part B deductible that beneficiaries must pay, but Medicare pays for expenses beyond that.

Is there a cap on Medicare income in Lincoln, Nebraska?

There is no income cap for Medicare in Lincoln, Nebraska. However, lower-income beneficiaries can save money by applying for programs to reduce the expense of healthcare. Additionally, state Medicaid programs have an upper-income limit for participation.

How To Sign Up for Supplemental Medicare in Lincoln

Thank you for reading our guide on how to sign up for supplemental Medicare in Lincoln, Nebraska. We hope that this information was helpful and we encourage readers to contact us if they have any questions or need assistance enrolling in a plan.

Our team at Medigap.com is dedicated to helping beneficiaries get the best health coverage possible. So give us a call today. Or instead complete our easy and fast online rate form to get the best rates in Lincoln, Nebraska.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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 Medigap.com. 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.