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Medicare Supplement Insurance Plans in Nebraska


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About Medicare Supplement insurance plans in Nebraska

Original Medicare doesn’t cover everything. Even for covered services, such as doctor visits, you’ll still be responsible for certain cost-sharing expenses after Medicare has paid its share.

Medicare Supplement (Medigap) insurance helps Medicare beneficiaries in Nebraska with certain costs in Original Medicare (Part A and Part B). This may include copayments, deductibles, coinsurance, and other out-of-pocket costs. If you see a doctor frequently or require a lot of outpatient care, your out-of-pocket costs can quickly add up; a Medigap plan may help with some of these expenses.

A Medicare Supplement insurance plan can also cover benefits like overseas emergency coverage, the first three pints of blood, or Part B excess charges. Some Medigap plans include a maximum out-of-pocket limit as a covered benefit; for these plans, once you’ve reached the plan’s yearly spending limit and deductible, the Medigap plan covers 100% of Medicare-covered services for the rest of the year. Keep in mind that Original Medicare doesn’t have a maximum spending limit, so there’s no cap on how much you could spend on health care in a given year.

Most states, including Nebraska, offer 10 standardized Medicare Supplement insurance plans. Each of the 10 plan types is labeled with a different letter (for example, Plan C) that corresponds with a different level of coverage. Plans of the same letter type cover the same standardized benefits, no matter which insurance company you purchase it from.

Enrolling in a Medicare Supplement insurance plan in Nebraska

In Nebraska, you’re eligible for Medigap insurance if:

  • You’re enrolled in Medicare Part A and Part B, and
  • You’re 65 or older.

If you’re looking to enroll in a Medicare Supplement insurance plan in Nebraska, the most optimal time is during the Medigap Open Enrollment Period (OEP). This is the six-month period that starts automatically the month you turn 65 and enrolled in Medicare Part B. During this time, you can enroll in any Medigap plan offered in Nebraska without having to undergo medical underwriting. During your Medigap Open Enrollment Period, you have guaranteed-issue rights, meaning you cannot be denied coverage or charged higher premiums based on pre-existing conditions*.

Once this period has passed, you can apply for or switch Medigap plans at any time, but you may have fewer plan options available to you if you have health problems. Medigap insurance companies may require you to submit medical underwriting, and you could be charged higher premium rates if you have medical issues — or you could be denied coverage altogether.

Comparing Medicare Supplement insurance plans in Nebraska

As mentioned above, Medicare Supplement insurance plans in Nebraska are standardized and do not vary in coverage or benefits between plans of the same letter type. This means that the main difference between plans within a letter category will be the cost. Each insurance company sets its own premiums, so it’s important for Medicare beneficiaries in Nebraska to compare Medicare Supplement insurance plans available to them in their specific zip code.

Need help finding Medigap coverage options that may fit your situation? Contact eHealth today to speak with a licensed insurance agent and get personalized assistance with your Medicare needs.

*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.

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