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Medicare Part D Plans in Nebraska

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Most of the roughly 340,000 Nebraskans enrolled in Medicare in 2018 had prescription drug coverage through Medicare Part D in Nebraska. More than 246,700, or more than 72%, of Nebraskans on Medicare are enrolled in Medicare Prescription Drug Plans. That’s according to the Centers for Medicare & Medicaid Services.

What’s Medicare Part D in Nebraska?

If you take medications for your health conditions, you probably know that prescription drug costs can really add up fast. But if you have prescription drug coverage under Medicare Part D in Nebraska, you might be able to save money if the plan helps pay for your particular medications.

Medicare Part D in Nebraska is available in two different ways.

  • As a stand-alone Medicare Part D Prescription Drug Plan, if you have Part A and/or Part B
  • Through a Medicare Advantage Prescription Drug plan. You can get your Part A and Part B benefits through a Medicare Advantage plan in Nebraska, and your plan can include Part D coverage as well. Some Medicare Advantage plans don’t include drug coverage, but most of them do.

Medicare Part D in Nebraska is offered by private insurance companies that contract with Medicare. You typically pay a premium for a stand-alone Medicare Prescription Drug Plan. If you sign up for a Medicare Advantage plan, you might not pay a monthly premium – it depends on the plan. But you typically have to pay your Medicare Part B premium no matter what other Medicare coverage you have. Most plans also require cost-sharing, like copayments or coinsurance, and many have deductible amounts as well.

Why would you need Medicare Part D in Nebraska?

When you’re first eligible for Medicare in Nebraska (or any state), you might be automatically enrolled in Original Medicare, Part A and Part B. That’s the case for many people, and about 85% of Nebraskans hang onto Original Medicare instead of enrolling in Medicare Advantage or other Medicare health plans.

But does Original Medicare in Nebraska cover your prescription drugs? Chances are it doesn’t cover medications you take at home. Part A generally pays for prescription drugs used to treat you when you’re a hospital inpatient, and Part B may pay for certain medications given to you as an outpatient. For example, Part B might cover an intravenous (IV) infusion in a clinic, but it usually doesn’t cover pills you can take at home.

Getting help with your medication costs through a Medicare Prescription Drug Plan in Nebraska might sound great, right? But you need to make sure that any plan you choose covers your prescription drugs. Plans don’t all cover the same drugs. And your costs, such as copayments, will vary among plans.

Every Medicare Prescription Drug Plan in Nebraska has a list of drugs it covers, called a formulary. Plans send each member a notice every fall, called an Annual Notice of Change. Check that notice to make sure your prescriptions haven’t been dropped from the formulary. You can switch plans, if necessary, during the Annual Election Period described below.

A plan’s formulary may change at any time (not just in the fall). You will receive notice from your plan when necessary.

How do I get Medicare Part D in Nebraska?

First, you need to decide how you’ll get coverage under Medicare Part D in Nebraska. Will you stay with Original Medicare, or go with Medicare Advantage? That choice is up to you. You can learn more about Medicare Advantage here.

Then, you’ll need to make sure it’s the right time of year to enroll in a Medicare Prescription Drug Plan in Nebraska. If you’re new to Medicare and still in your Initial Enrollment Period, this is usually a good time to sign up. If you miss that timeframe, you can enroll during the Medicare Annual Election Period (October 15- December 7). In certain situations (such as losing your coverage) you might be eligible for a Special Election Period to enroll in a Medicare Prescription Drug Plan in Nebraska.

Next, you decide which particular plan you want. If you’re looking for a quick way to compare plans, you can do it right now, from this page. Just enter your ZIP code in the box on this page to display a list of plans in your area. From there, you can enter your medications to see if a particular plan covers them.

Once you’ve found a plan you like, you can go ahead and enroll online once you’ve selected a plan. Just follow the steps in eHealth’s enrollment tool.

Then – you’re done!

Please note that you can also enroll by calling the plan directly, or you can call Medicare at 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. Representatives are available 24 hours a day, seven days a week.

Source: Statistical data from the Centers for Medicare & Medicaid Services (CMS) “Medicare Enrollment Dashboard,” from the CMS Office of Enterprise Data & Analytics, February 2019.

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