Medicare Supplement Insurance (Medigap) helps Nebraska seniors and eligible disabled residents cover out-of-pocket healthcare expenses not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Nebraska residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Nebraska
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 87,663 |
| 2 | F | 76,350 |
| 3 | N | 5,666 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? Nebraska is one of the states where Plan G has already overtaken Plan F by a wide margin — with nearly 88,000 enrollees compared to about 76,000 in Plan F. This reflects a strong shift toward Plan G as the preferred choice for new beneficiaries.
How Medigap Pricing Works in Nebraska
Medigap premiums may increase differently depending on the rating method insurers use. In Nebraska, policies may be priced under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Nebraska
Nebraska does not require insurers to sell Medigap plans to beneficiaries under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Some insurers may voluntarily offer coverage, but options and premiums for this group can be limited.
Choosing a Medigap Plan in Nebraska
Plan G is now the most popular Medigap plan in Nebraska, reflecting its role as the go-to option for new beneficiaries seeking comprehensive coverage. Plan F still has a large enrollee base but is closed to newcomers. Plan N serves as a cost-conscious alternative with lower premiums. All Medigap plans work nationwide at providers who accept Medicare, ensuring Nebraska residents have consistent coverage whether they receive care in Omaha, Lincoln, or elsewhere in the U.S.
To explore premiums and compare plans available in your ZIP code, visit our Medigap rate comparison page.