Medicare in Nebraska serves about 390,000 beneficiaries, with 38% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $123/mo. Stand-alone Part D plans average $41/mo.
Medicare Beneficiaries
390,000
Age 65+ and disabled
MA Enrollment
38%
% on Medicare Advantage
Avg Medigap Plan G
$123/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 20+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | UnitedHealthcare, Humana, Blue Cross Blue Shield Nebraska | Networks differ by county |
| Stand-alone Part D | $41/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | No state annual GI rights; Omaha metro benefits from proximity to major Iowa MA markets. Nebraska has affordable Medigap rates. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Nebraska's Medicare market is anchored by the Omaha metropolitan area, which — as a regional commercial hub for the Great Plains — offers a well-developed MA plan market with access to major systems like Nebraska Medicine (UNMC), CHI Health, and Methodist Health System. Blue Cross Blue Shield of Nebraska and UnitedHealthcare are the primary carriers, and Humana has a meaningful presence in the eastern part of the state. Lincoln's market is the second largest in Nebraska, served by Bryan Health and CHI Health St. Elizabeth. Nebraska's MA enrollment at about 38% is below the national average, partly because Medigap premiums in the state are very affordable.
Nebraska's Medigap Plan G averages about $123/month — among the more affordable rates in the Plains region. This competitive pricing makes Original Medicare plus Medigap an attractive choice for Nebraska beneficiaries who value provider flexibility. The western Nebraska sandhills, panhandle communities like Scottsbluff, and the rural Platte Valley have limited MA plan options, making Medigap even more valuable in those areas. Nebraska has no birthday rule or annual Medigap switching protections. The Nebraska SMP (Senior Medicare Patrol) and Nebraska Health Insurance Information, Counseling and Assistance Program (SHIIP) are state resources for free Medicare guidance.
In Nebraska, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 38% of Nebraska beneficiaries currently choose MA.
No state annual GI rights; Omaha metro benefits from proximity to major Iowa MA markets. Nebraska has affordable Medigap rates.
💡 Nebraska Pro Tip
Nebraska beneficiaries in the Omaha and Lincoln metro areas typically have access to 20 or more Medicare Advantage plans. Mid-sized cities like Grand Island, Kearney, and North Platte generally offer 10 to 20 options. Western Nebraska's panhandle counties may have fewer than 10 MA plans available.
The average Medigap Plan G premium for a 65-year-old in Nebraska is approximately $123 per month — one of the more affordable rates in the country. Nebraska's competitive premiums make Medigap a strong value, particularly for beneficiaries who want access to Nebraska Medicine and other academic medical centers without network restrictions.
Nebraska does not have a birthday rule or annual guaranteed-issue protections for Medigap. Outside of your 6-month initial open enrollment at 65 or qualifying federal events, carriers can apply medical underwriting. Nebraska residents should contact the state's free SHIIP counseling program for personalized guidance on Medigap options.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Nebraska. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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