|Plan Type||Est. Premium*|
|Medigap Plan A:||$81.74||(shop rates)|
|Medigap Plan B:||$102.51||(shop rates)|
|Medigap Plan C:||$95.14||(shop rates)|
|Medigap Plan F:||$105.78||(shop rates)|
|Medigap Plan G:||$96.80||(shop rates)|
|Medigap Plan L:||$72.64||(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.
The Nebraska State Board of Insurance has licensed Blue Cross Blue Shield of Nebraska to sell BCBS of Nebraska Medigap plans (Medicare Supplement insurance) to Nebraska seniors with Medicare benefits. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Nebraska seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave BCBS of Nebraska 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 Blue Cross Blue Shield of Nebraska 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)
- United of Omaha Medigap Plan A (Nebraska)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Nebraska from Blue Cross Blue Shield of Nebraska . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- American Continental Medigap Plan B (Nebraska)
- Central States Medigap Plan B (Nebraska)
- Sentinel Security Medigap Plan B (Nebraska)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Nebraska offers it in Nebraska. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Central States Medigap Plan C (Nebraska)
- Family Life Medigap Plan C (Nebraska)
- GPM Life Medigap Plan C (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. Blue Cross Blue Shield of Nebraska 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)
- United of Omaha 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. Blue Cross Blue Shield of Nebraska 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)
- United of Omaha Medigap Plan G (Nebraska)
Plan L offers many of the same basic benefits as other plans at a much lower monthly premium. The low premium is available because Plan L covers less of the copayments and coinsurance than other supplemental plans. The good news is that you are covered by an annual out-of-pocket maximum, which limits the amount you will be required to pay, should you need the care.
Plan L is a good option if you need a policy with an affordable premium, but still want a reasonable amount of coverage for a wide variety of services. Plan L is like Plan K, but it covers a higher percentage of your costs, has a lower annual out-of-pocket limit ($2,470 in 2015), and the monthly premium is only slightly higher.
The Medigap Plan L offered by Blue Cross Blue Shield of Nebraska offers all of the basic benefits and pays 75% of your deductibles, skilled nursing care and blood. You are required to pay the Medicare Part B excess charges, and the plan does not offer coverage when you travel outside of the United States. The maximum out of pocket limit for Plan L is about $2,500 (compared to as much as $6,700 with Medicare Advantage). Compare Blue Cross Blue Shield of Nebraska 's Plan L with the premiums from these carriers:
- UnitedHealthcare Medigap Plan L (Nebraska)
- Thrivent Financial Medigap Plan L (Nebraska)
- Transamerica Medigap Plan L (Nebraska)
You are eligible to apply for a BCBS of Nebraska Medicare Supplement if you are:
- A resident of Nebraska,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Nebraska 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