Over 233,000 people in Omaha, Nebraska, are Medicare beneficiaries. More than 55% of the Medicare beneficiaries in the area choose Medicare Advantage plans.

In this article, we’ll compare the positives and negatives of each Medicare plan in Omaha, Nebraska.

Omaha, Nebraska Supplemental Medicare Plans

A supplemental plan can provide coverage for services that would otherwise be out of pocket. Medicare beneficiaries can choose from both Medicare Advantage and Medicare Supplement plans.

Medicare Advantage enrollees in Omaha average 73 years old, a year greater than the national average.

Affordable Medicare Advantage Plans in Omaha, Nebraska

Twenty-one Medicare Advantage plans are available in Omaha. All of the state’s programs are valuable, but they have unique characteristics that make them a good fit for different types of beneficiaries.

The Humana plan (HMO) is one of the best options. Additionally, Humana has excellent ratings for its service and protection and an impressively affordable MOOP (maximum out-of-pocket) rate of $3,850.

For clients looking for the best Omaha, Nebraska, Medicare plans, Wellcare (HMO) is another excellent option. This option has a more affordable MOOP than the alternatives, even without a rating and monthly premium. This plan costs $3,900 monthly, making it affordable for most beneficiaries.

UnitedHealthcare (Local PPO) offers four-star service and comprehensive protection at an affordable price. As an additional benefit, UnitedHealthcare charges no monthly premiums and provides a maximum out-of-pocket expenditure of $4,500 per month, making it a competitive choice for beneficiaries willing to leave HMO plans behind.

PLAN PREMIUM MOOP PLAN TYPE STAR RATING
Humana $0 $3,850 HMO 4
Aetna $0 $5,000 HMO-POS 4
Wellcare $0 $3,900 HMO N/A
BCBS of Nebraska $0 $6,250 HMO 4
UnitedHealthcare $0 $4,500 LOCAL PPO 4

Average Medicare Supplement Plans in Omaha, NE

Supplemental Medicare plans cover a more significant portion of your healthcare expenses than Original Medicare. Beneficiaries of these plans have access to extended coverage, which protects them from otherwise expensive out-of-pocket medical costs. There are no differences in benefits among these plans, but the prices change depending on the location.

Among Omaha’s beneficiaries, Plan G is prevalent for its affordable and balanced coverage. Plan G Medigap policies cost between $97 and $556. Generally, this plan covers most medical bills, but there are a few gaps.

An alternative Medigap plan is Plan F. Despite its many benefits, this plan is quite expensive, costing between $111 and $584. Medigap Plan F offers the most comprehensive coverage of any Omaha, Nebraska, Medicare plan, as well as covering Medicare excess charges.

Plan N costs between $74 and $472 in Nebraska. This plan is affordable but leaves significant gaps in coverage that beneficiaries should consider. For instance, most medical services will require a copayment.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $86.20 $402.08
PLAN B $119.10 $462.36
PLAN C $133.49 $517.26
PLAN D $107.99 $283.46
PLAN F $111.70 $584.97
PLAN HDF $32.00 $70.82
PLAN G $97.65 $556.00
PLAN HDG $32.00 $69.08
PLAN K $50.00 $172.25
PLAN L $62.92 $252.25
PLAN M $78.85 $264.55
PLAN N $74.73 $472.88

Cheapest Medicare Part D in Omaha, NE

Your Medicare Part D plan will cover your prescription medications as a Medicare beneficiary in Nebraska. Neither Medicare Advantage plans nor many Medigap policies cover these costs. Obtaining adequate Medicare coverage in Omaha, Nebraska, usually involves choosing a Part D plan.

With a $480 deductible and a monthly premium of $6.80, Aetna is the cheapest plan in the area. Alternatively, Clear Spring offers a monthly premium of $16.60 and a $480 deductible. Humana charges a deductible of $480 paired with a premium of $22.70.

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 Omaha, NE

Special Needs Plans (SNPs) cater to beneficiaries with demanding health needs. You may qualify for one of these insurance plans if you suffer from a severe condition.

UnitedHealthcare in Omaha offers dual enrollment and a monthly out-of-pocket limit of $3,450 for its beneficiaries. Additionally, Wellcare’s plan has a $7,550 MOOP and dual eligibility. Aetna’s plan also offers a MOOP of $7,550 and dual eligibility.

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

FAQs

What is Medicare Supplement Plan G in Omaha, Nebraska?

Medicare Supplement Plan G is a Medigap letter plan that offers comprehensive coverage to residents of Omaha, NE. While this plan is more expensive than some competing options, it protects beneficiaries from most medical expenses.

What is the deductible for Plan G in 2022 in Omaha, Nebraska?

Under Plan G, beneficiaries are responsible for the Medicare Part B deductible. In the area, that sum is currently $233 per year.

What is the least expensive Medicare supplement plan in Omaha, Nebraska?

Plan K offers the lowest premiums for Medicare beneficiaries in Omaha, Nebraska. This plan falls short of the more comprehensive options but provides extended coverage at an affordable price.

Do Medigap plans cover drugs in Omaha, Nebraska?

Generally, Medigap plans do not cover drugs in Omaha, Nebraska. Additionally, prescription drug coverage is one of the most impactful gaps in Original Medicare coverage.

While some Medigap plans offer this coverage, most beneficiaries need to seek a Part D or Medicare Advantage plan for protection from these expenses.

Can I change my Medigap policy at any time in Omaha, Nebraska?

While beneficiaries cannot change their policy anytime, they can do so during the Annual Enrollment Period. The AEP occurs each year from October to December, allowing beneficiaries to make changes quickly and efficiently.

This time is ideal for adjusting your policy, so keep it in mind if you need to make any changes.

How To Sign Up for Supplemental Medicare in Omaha

Supplemental Medicare coverage is an important decision, and we want to make sure Omaha residents have all the information they need to choose the best plan for their needs.

That’s why our team at Medigap.com is here to help. We can provide you with rates and advice so that you can feel confident in your decision.

Contact us today via phone, or fill out our quick and convenient online rate form to be directly connected with the best rates available in Omaha, Nebraska.

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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.