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Medicare in Nebraska

Don’t let Medicare leave you behind; GoHealth has the latest information about Medicare in Nebraska

Reviewed by: Shikita Nunnery, Licensed Insurance Agent. Written by: Bryan Strickland.

Key Takeaways

  • If you’re 65 or older, Medicare in Nebraska offers an affordable option for your healthcare needs.

  • Original MedicareOriginal Medicare (Parts A and B) is fee-for-service health insurance available to all Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance). offers hospital and medical insurance, with the option of adding drug and supplemental coverage.

  • Medicare AdvantageMedicare Advantage is health insurance for Americans aged 65 and older that blends Medicare benefits with private health insurance. This typically includes a bundle of Original Medicare (Parts A and B) and Medicare Prescription Drug Plan (Part D). in Nebraska replaces Original Medicare and includes Parts A and B’s benefits while bundling drug and supplemental coverage and coverages like dental and vision.

 

In 1872, a man who built a White House replica in his home state of Nebraska offered a prize to the resident who could plant the most trees on a designated day. Nebraskans responded by planting a million trees, and Arbor Day was born.

Unfortunately, money doesn’t grow on trees, but Medicare in Nebraska provides an affordable health insurance option. GoHealth is here to make sure your understanding of Medicare is on solid ground.

Who Qualifies for Medicare in Nebraska?

If you are a U.S. citizen age 65 or older, you qualify for Medicare in NE. It’s as simple as that.

Of course, not everything about Medicare is that simple.

Medicare is a federal program that provides affordable health insurance to older Americans nearing retirement. At age 65, you can enroll in Part A (known as “hospital insurance”), Part B (“medical insurance”), or both — collectively known as Original Medicare. If you enroll in both, you have the option to add Part D to help with drug costs and Medigap (supplemental insurance) to help cover some out-of-pocket expenses.

Private insurance companies manage Part D and Medigap plans with guidance from the federal government. That’s also the case with Medicare Advantage in Nebraska.

Suppose you are enrolled in both Parts A and B. In that case, you have the option of switching to a Medicare Advantage plan that replaces Original Medicare and includes the benefits of Parts A and B while bundling drug and supplemental coverage and offering additional coverages like dental and vision.

How Do You Get Medicare When You Turn 65?

Your choices for applying for Medicare in Nebraska include:

  • Enrolling online with the Social Security Administration. [1]
  • Visiting a local Social Security office. [2]
  • Enroll over the phone at 1-800-772-1213 (TTY: 1-800-325-0778).

Turning 65 isn’t always a requirement for enrolling in Medicare. Regardless of age, you can enroll if you have End Stage Renal Disease or Lou Gehrig’s disease. You also can enroll after receiving 24 monthly payments of Social Security Disability Insurance or Railroad Board benefits.

Is Medicare Free After You Turn 65?

If you need low-cost insurance because of your financial situation, some people on Medicare in Nebraska qualify for a Medicare Savings Program, a federal program administered by individual states that helps cover costs associated with Medicare.

Some Nebraska residents facing more severe needs may qualify for Medicaid, a federal/state program founded alongside Medicare in 1965 that helps those facing a financial need or a disability. When you turn 65, it is possible to be eligible for both Medicare and Medicaid (called dual eligibility).

What are the Requirements for Receiving Medicare?

In most instances, Medicare in Nebraska has monthly premiums. The possible exceptions are Part A of Original Medicare and some Medicare Advantage plans in Nebraska.

  • Part A doesn’t require a monthly premium for most people, but because of the plan’s deductibles, copays and coinsurance, it can’t be called “free” insurance.
  • Some Medicare Advantage plans don’t require a monthly premium while replacing the coverage provided by both Part A and Part B. That’s possible in part because Medicare Advantage plans feature a regional network of doctors instead of the nationwide coverage offered by Original Medicare.

Part B carries a standard monthly premium [3] that can be higher for a few higher-income individuals. Enrolling in both Parts A and B of Original Medicare opens the option to switch to Medicare Advantage or add Part D and Medigap to Original Medicare. Part D and Medigap come with their premiums.

What is the Best Prescription Plan for Medicare?

Part D plans and the prescription drugs available vary by plan and carrier. To find the best prescription drug plan, first, make sure your medication is covered. Whether you choose Original Medicare or Medicare Advantage, private insurance companies will provide your prescription drug plan.

GoHealth can help you compare different plans to find one that meets your Rx needs.

Which Company has the Best Medicare Advantage Plan?

In 2020, the average monthly premium for a Medicare Advantage plan was $23.63. [4]

Cost is just one consideration. The Centers for Medicare & Medicaid Services has a Medicare Star Rating system that assigns one to five stars (five being the highest-rated) to individual Medicare Advantage plans. If you’re already on a Medicare Advantage plan and it’s not five-star, you are offered the opportunity to switch to a five-star plan each year. [5]

While the premiums and rating systems can shed light on various Medicare Advantage plans’ value, there’s more to navigating Medicare in Nebraska. A dedicated GoHealth licensed insurance agent can review your situation and figure out what Medicare plan is the right fit for you.

Medicare in Nebraska by the Numbers

Thousands of older adults enroll in Medicare every day across the United States. The latest CMS data shows that 319,520 people are enrolled in Medicare in Nebraska. The total number of beneficiaries enrolled in Medicare Advantage in Nebraska is 53,415. The previous year, 45,677 enrolled in Medicare Advantage. Medicare Advantage participation in Nebraska went from 14.62% to 16.72% year over year. If you’d like to dive deeper into how Medicare in Nebraska breaks down across the state, we provide a glance at who is using Medicare, and how.

Outline of Nebraska
319,520
Beneficiaries with Part A & Part B
53,415
Medicare Advantage Beneficiaries
16.72%
Medicare Advantage Participation Rate
55.32%
% Female
44.68%
% Male
0.91
Average HCC Score
$9,814.02
Actual Per Capita Costs
12.79%
% Eligible for Medicaid
28.04%
% of Beneficiaries with an Emergency Department Visit
15.69%
Hospital Readmission Rate
92.06%
% Non-Hispanic White
2.20%
% African American
2.34%
% Hispanic
3.41%
% Other/Unknown

Table reflects the latest Beneficiary Demographics data: 2018, All Beneficiaries by State, Centers of Medicare & Medicaid Services (CMS)

Average HCC Score: The Hierarchical Condition Category score gauges a population’s overall health. The score is based on a value of 1.0. Populations with an HCC score of less than 1.0 are considered relatively healthy. The score can be used to estimate health costs.

Nebraska Medicare Resources & Contacts

Beneficiaries spend an average of $9,814.02 each year on Medicare in Nebraska. To be sure you are not leaving anything on the table, let us help. A GoHealth licensed insurance agent can assess your coverage or explain which Nebraska-based resources, like these, may be able to help:

Nebraska SHIP - Medicare Counseling

1-800-234-7119

https://doi.nebraska.gov/consumer/senior-health

What should I know about SHIP?

The State Health Insurance Assistance Program offers free, unbiased Medicare advice to Nebraska residents.

Aging and Disability Resource Center

1-844-843-6364

https://dhhs.ne.gov/Pages/Aging-and-Disability-Resource-Center.aspx

What should I know about the Aging and Disability Resource Center?

The center helps Nebraskans 60 or older and those with disabilities like long-term care solutions and fraud.

Legal Assistance Program

1-800-527-7249

https://dhhs.ne.gov/Pages/Aging-Legal-Services.aspx

What should I know about the Legal Assistance Program?

Seniors in need of legal help can call for guidance via a partnership between the Area Agencies on Aging and Legal Aid of Nebraska.

ACCESSNebraska - Medicaid

1-855-632-7633

https://dhhs.ne.gov/pages/accessnebraska.aspx

What should I know about ACCESSNebraska?

This department administers all aspects of the state’s Medicaid program.

Nationwide Resources

Speak with an insurance agent that is licensed in Nebraska about your Medicare questions.

1-855-792-0088 TTY: 711

Monday - Friday, 8 AM - 9 PM CT

Medicare & Medicaid

If you have general questions about Medicare in NE, or need help with current Medicare benefits.

1-800-MEDICARE (1-800-633-4227)

Social Security Administration

You can reach the SSA by phone for general questions. Not all questions can be answered over the phone.

Also, SSA.gov provides online resources for the following: Review information, apply for benefits, or manage your account online

Speak to SSA Representative, Monday - Friday, 8 AM - 7 PM ET

Medicare Learning Guides

Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you.

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New to Medicare Guide

Helpful information to get you started with enrolling in Medicare.

Medicare Beneficiary Guide

For those currently enrolled in Medicare.

Medicare Plans Guide

Costs, coverage and enrollment details for each Medicare plan.

Low Income & Medicare Guide

For individuals with a qualifying income status.

A Caregiver’s Guide

For those helping a loved one with Medicare.