The total number of Nebraska Medicare Part D beneficiaries is 249,483. There are significantly more participants in an Original Medicare prescription drug plan, with 202,412 enrollees. The Medicare Advantage Prescription Drug Plan enrollee count is 50,966.

Nebraska Medicare Part D Plans For 2022

Nebraska Part D plans are extra coverage plans that help pay for your prescriptions. Private carriers offer standalone plans, and Nebraskans pay premiums directly to their coverage provider.

In the following sections, we’ll explain pricing for Medicare Part D plans with low premiums or a zero-dollar deductible in Nebraska. Read on to learn about prices for gap coverage plans and low-income subsidy options.

Part D Plans with the Lowest Premium in Nebraska

Several carriers offer low-premium Nebraska Medicare Part D plans. A plan from Aetna costs Nebraskans $6.80 monthly with a $480 deductible. The plan doesn’t offer gap coverage, but its rating of three stars signifies good performance.

Patients choose Humana for its $22.70 premium and $480 drug deductible. The plan has an excellent star rating of four, but beneficiaries don’t receive gap coverage.

UnitedHealthcare provides a four-star plan for $29.30 monthly that includes gap coverage. Patients must pay a $310 deductible before the carrier begins their share of coverage.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.80 $480 3 No
Wellcare $10.60 $480 3 No
Clear Spring Health $16.60 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 Yes

Part D Plans with a Zero-dollar Deductible in Nebraska

Plans with higher premiums may offer a zero-dollar deductible, such as the following options.

Wellcare charges $68.90 per month for a zero-dollar drug deductible plan. The plan doesn’t include gap coverage despite having a reasonable three-star rating.

An Aetna plan costs beneficiaries $79.90. They’ll pay no deductible. This plan also features three stars and offers gap coverage.

Many choose MedicareBlue Rx for its $116.10 monthly premium and no drug deductible. The plan offers four-star performance with additional gap coverage benefits.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $68.90 $0 3 No
Aetna $79.90 $0 3 Yes
UnitedHealthcare $97.00 $0 3 Yes
MedicareBlue Rx $116.10 $0 4 Yes

Part D Plans with Gap Coverage in Nebraska

A few Nebraska Medicare Part D policies assist those who enter the Coverage Gap Phase. UnitedHealthcare offers the most affordable option for $29.30 per month. Enrollees pay a $310 deductible for the four-star plan.

Cigna has a $52 monthly premium and a low $100 deductible. Its plan brings satisfactory results with three stars. Patients get gap coverage for some medications and low-cost copays.

Another UnitedHealthcare plan costs $97 monthly but has no deductible before coverage begins. The plan has a three-star rating. You’ll receive gap coverage and have low to no-cost copays.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $29.30 $310 4 Yes
Cigna $52.00 $100 3 Yes
Aetna $79.90 $0 3 Yes
UnitedHealthcare $97.00 $0 3 Yes
MedicareBlue Rx $116.10 $0 4 Yes

Part D Plans with a Low-Income Subsidy in Nebraska

Nebraska also has plans for residents with especially low incomes. There are 42,534 Nebraska Medicare beneficiaries eligible for Extra Help through a subsidized plan.

Wellcare’s low-income subsidy plan is $32.90 per month. Unfortunately, patients don’t get gap coverage and must pay a $480 deductible, However, the plan’s three stars indicate decent performance.

Aetna offers Nebraskans a plan for $34.80 with a $480 deductible. Patients get relatively decent satisfaction and can combine this plan with the Medicare Extra Help program to get additional benefits and lower healthcare costs.

Cigna also offers a $39.10 premium plan. Patients must pay the $480 deductible to get full coverage. This plan also excludes coverage gap benefits but provides impressive four-star performance.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Clear Spring $29.30 $480 2 No
Wellcare $32.90 $480 3 No
Aetna $34.80 $480 3 No
UnitedHealthcare $36.20 $480 4 No
Cigna $39.10 $480 4 No

Amount of Beneficiaries That Fall Into Each Part D Coverage Phase in Nebraska

Four coverage phases make up your Part D enrollment, and each comes with higher payment requirements. The Coverage Gap Phase, or the “donut hole” phase, brings the highest out-of-pocket expenses.

The following chart indicates how many beneficiaries are currently in each coverage phase in Nebraska.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
88,175 95,978 30,765 21,973

FAQs

Who needs Medicare Part D in Nebraska?

In Nebraska, signing up for Medicare Part D isn’t mandatory. However, signing up is essential if you don’t have a prescription coverage alternative, even if you don’t need medication coverage.

Otherwise, you risk a 1% premium increase for every month you went without coverage if you enroll in a Part D plan later. To avoid this late enrollment penalty, Nebraskans should sign up when they first become eligible for Original Medicare.

Do I have to purchase Medicare Part D in Nebraska?

You must buy Medicare Part D in Nebraska if you have Original Medicare and want prescription coverage. Part A and Part B offer no prescription benefits.

Some Medicare Advantage plans offer Part D assistance. If you’re a Medicare Advantage beneficiary, you don’t have to purchase a standalone drug policy if your plan already includes prescription coverage.

What happens if I don’t have Medicare Part D in Nebraska?

If you don’t have Medicare Part D, you’ll pay a late enrollment penalty if you eventually enroll. If you have Original Medicare, you may receive a late charge for going without prescription coverage for over 60 days after the Initial Enrollment Period closes.

Your penalty depends on how long you went without coverage and many other factors, like location.

How are Part D premiums determined in Nebraska?

Nebraska Medicare Part D’s premiums depend on your location and the carrier. In addition, higher-earning individuals may pay an extra cost if they make more than $88,000 yearly.

This cost, called the IRMAA, also applies to those with a Medicare Advantage plan that includes drug coverage.

Is there a penalty for not taking Part D when first eligible in Nebraska?

Yes, Medicare penalizes residents for refusing a Medicare Part D plan in Nebraska when first eligible. You’ll pay this extra amount the entire time you have a prescription drug plan.

Your late enrollment penalty depends on several factors, including the time spent without this insurance.

How To Get Help Signing Up for a Medicare Part D Plan in Nebraska

It’s easy to get help signing up for Nebraska Medicare Part D with the Medigap.com experts. At Medigap.com, we have the latest information on private carriers in the state. Choose us if you want to compare plans and get advice before enrollment.

We’re your friendly agents with years of experience assisting people like you with Part D signups. Whether you need an affordable plan or an option that includes gap coverage, we locate the best plan.

Call our agents today or quickly fill out our online rate form to be connected with the best rates in 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.