|Plan Type||Est. Premium*|
|Medigap Plan A:||$75.91||(shop rates)|
|Medigap Plan F:||$105.44||(shop rates)|
|Medigap Plan G:||$93.83||(shop rates)|
|Medigap Plan M:||$83.82||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Nebraska. You must request a quote to get an exact premium for your situation.
This page outlines United of Omaha Life Insurance Co Medigap Plans sold in Nebraska. United of Omaha is licensed with the Nebraska State Board of Insurance to sell Medicare Supplement insurance. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. The company has been selling supplements for more than 4 years. Their full range of plans for Nebraska seniors are listed below. A.M. Best Company, a nationally recognized insurance rating company, gave United of Omaha an A+ rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Nebraska seniors with Medicare benefits are eligible to apply for a United of Omaha Life Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- American Continental Medigap Plan A (Nebraska)
- UnitedHealthcare Medigap Plan A (Nebraska)
- Heartland National Medigap Plan A (Nebraska)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Nebraska. United of Omaha Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Nebraska by comparing quotes from these insurance carriers:
- American Continental Medigap Plan F (Nebraska)
- BCBS of Nebraska Medigap Plan F (Nebraska)
- Heartland National Medigap Plan F (Nebraska)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. United of Omaha Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- American Continental Medigap Plan G (Nebraska)
- GPM Life Medigap Plan G (Nebraska)
- Forethought Life Medigap Plan G (Nebraska)
Plan M is a cost sharing plan. What this means is that you are responsible for any additional out of pocket expenses as compared to Plans C, D, F and G. Basically, Plan M works like a Medicare Advantage HMO or PFFS plan without the network hospital and doctor restrictions. You are free to visit any doctor or hospital that accepts Medicare patients.
Plan M includes the core coverage, plus three extra benefits. It covers 50% of your Medicare Part A in-patient hospital deductible, your coinsurance amount for skilled nursing facility care for the 21st through the 100th day of your stay, and any emergency care you may require when you are in a foreign country after a $250 deductible. This benefit pays 80% of the cost of your care for the first 60 days of each trip, up to $50,000 in your lifetime.
Plan M is a real cost saver, but keep in mind that it only pays 50% of your Medicare Part A. Plus, you are required to pay the Part B deductible and Part B excess charges. This plan is not offered by a lot of carriers, so be sure to compare premiums with these insurance companies:
- Heartland National Medigap Plan M (Nebraska)
- Family Life Medigap Plan M (Nebraska)
- Sterling Investors Medigap Plan M (Nebraska)
You are eligible to apply for a United of Omaha Medicare Supplement if you are:
- A resident of Nebraska,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
United of Omaha offers plans in Omaha, Lincoln, Bellevue, Grand Island, Kearney, Fremont, Hastings and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on