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.

Medicare plans in Lincoln, Nebraska

You can cover services you would otherwise have to pay for with a supplement plan. Medigap and Medicare Advantage plans are available to Lincoln, Nebraska residents entitled to Original Medicare.

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

Medicare Advantage plans

In Lincoln, Nebraska, 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 prioritizing 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.

The average cost of Medicare Advantage plans in Lincoln, Nebraska

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

Medicare Supplement plans

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 Lincoln, Nebraska Medicare Supplement option. There are several benefits to this Medigap plan, but it’s 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.

The average cost of Medicare Supplement plans in Lincoln, Nebraska

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

Medicare Part D prescription drug plans

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.

The average cost of Medicare Part D plans in Lincoln, 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

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. 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 program offers a MOOP of $7,550.

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

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

How to sign up for Medicare plans in Lincoln

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

Our team at 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 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.