In short
- Plan G pays the same benefits at every company. Price, rate history, service and financial strength are what differ.
- On October 2, 2026, Medicare.gov showed 31 Plan G listings for a 65-year-old in Lincoln, with low-end estimates from $137 to $311 a month.
- Mutual of Omaha and Physicians Mutual are Omaha-based and rated A+ by AM Best, according to their own websites.
- Most Nebraska Medigap policies are attained-age rated, so the premium goes up as you get older.
- Your Medigap Open Enrollment Period is a one-time, 6-month window. Nebraska has no birthday rule for switching later.
The ranking
How we ranked them. From the companies listing Plan G for a 65-year-old in Lincoln (ZIP 68508) on Medicare.gov on October 2, 2026, we included those with a verified AM Best rating, a Nebraska headquarters, or Nebraska Medicare Advantage or Part D plans for 2027. They are ordered by AM Best rating confirmed on the company's own website (unverified last), then Nebraska headquarters, then lowest Lincoln Plan G estimate. Benefits are standardized, so not ranked. No company paid to be listed.
1. Physicians Mutual
Best for: The lowest Lincoln Plan G estimate among A+ rated companies
- AM Best A+ (Superior), October 2025, per Physicians Mutual
- Founded in 1902; headquartered at 2600 Dodge Street, Omaha
- Two Medicare.gov Plan G listings for Lincoln, age 65: $145 to $178 and $224 to $275 a month (October 2, 2026)
2. Mutual of Omaha
Best for: Top-tier financial strength from a Nebraska home office
- AM Best A+ (Stable), plus S&P A+ and Moody's A1, per Mutual of Omaha
- Headquartered at Mutual of Omaha Plaza in Omaha; Medigap policies issued by Omaha Supplemental Insurance Co.
- Medicare.gov Plan G estimate, Lincoln, age 65: $189 to $250 a month (October 2, 2026)
3. Medico (Wellabe)
Best for: An A-rated company with mid-range Lincoln estimates
- Wellabe and its subsidiaries, including Medico Life and Health, rated A (Excellent) by AM Best, affirmed May 2026, per Wellabe
- Headquartered in Des Moines, Iowa, not Nebraska
- Medicare.gov Plan G estimate, Lincoln, age 65: $205 to $236 a month (October 2, 2026)
4. Blue Cross and Blue Shield of Nebraska
Best for: A Nebraska company that also sells Medicare Advantage and Part D
- Headquartered in Omaha (1919 Aksarben Drive, per Medicare.gov)
- Medicare.gov Plan G estimate, Lincoln, age 65: $200 to $264 a month (October 2, 2026)
- Also sells Medicare Advantage in 61 Nebraska counties for 2027 and partners on MedicareBlue Rx
5. HealthSpring (HCSC)
Best for: Lower Lincoln estimates from a large national company
- Formerly Cigna's Medigap business; HCSC finished rebranding it to HealthSpring on September 14, 2026
- HCSC says it offers Medigap in 48 states plus the District of Columbia
- Medicare.gov Plan G estimate, Lincoln, age 65: $165 to $209 a month (October 2, 2026)
6. AARP / UnitedHealthcare
Best for: Community-rated pricing that does not climb just because you age
- Listed on Medicare.gov as community-rated; issued by UnitedHealthcare Insurance Co.
- Medicare.gov Plan G estimate, Lincoln, age 65: $216 to $269 a month for the standard listing (October 2, 2026)
- Medicare.gov also shows a much higher 'Level 2' listing ($857 to $1,063), so ask which pricing level a quote uses
7. Aetna (CVS Health)
Best for: People who also want to keep Aetna as a Medicare Advantage option
- Medigap policies issued by Continental Life Insurance Co. of Brentwood, Tennessee
- Medicare.gov Plan G estimate, Lincoln, age 65: $227 to $291 a month (October 2, 2026)
- Aetna Medicare also offers Medicare Advantage in 54 Nebraska counties for 2027
8. Medica
Best for: People outside eastern Nebraska who know Medica's other Medicare products
- Medigap policies issued by Medica Insurance Co.
- Medicare.gov Plan G estimate, Lincoln, age 65: $229 to $303 a month (October 2, 2026)
- Leaves Lancaster County's Medicare Advantage market for 2027, though its Medigap is still listed for Lincoln
9. Humana
Best for: Current Humana members comparing their options
- Medigap policies issued by Humana Insurance Co.
- Medicare.gov Plan G estimate, Lincoln, age 65: $257 to $386 a month (October 2, 2026)
- Also offers Medicare Advantage in 26 Nebraska counties for 2027
A Medicare Supplement (Medigap) policy pays some or all of the costs Original Medicare leaves you, like the Part A hospital deductible ($1,736 per benefit period in 2026) and the 20% Part B coinsurance. In Nebraska, as in most states, every plan letter is standardized by federal law. So this list doesn't rank plans. It ranks the companies that sell them, on things you can check.
How did we rank Medicare Supplement companies in Nebraska?
We started with the companies that listed a Plan G policy for a 65-year-old in Lincoln (ZIP 68508) in the Medicare.gov Medigap tool on October 2, 2026. We kept the ones with a verified AM Best rating, a Nebraska headquarters, or Medicare Advantage or Part D plans in Nebraska for 2027. Then we ordered them on three public facts:
- Financial strength. The AM Best rating, but only if we could confirm it on the company's own website. AM Best rates an insurer's ability to pay claims over the long run. Companies we could not verify are listed after those we could, which says nothing bad about them.
- Nebraska presence. A Nebraska headquarters ranked ahead of an out-of-state one at the same rating.
- The lowest Plan G estimate the company showed for Lincoln.
No company paid to be listed, and being listed is not an endorsement. We did not rank benefits, because they're identical. If you're new to Medigap, start with our Medicare Supplement guide.
Why do price and stability matter more than "plan quality"?
Because there's no quality difference to measure in the coverage itself. A Plan G from Mutual of Omaha pays exactly what a Plan G from Humana pays. After you meet the Part B deductible ($283 in 2026), both cover your share of Medicare-approved costs.
What does differ from company to company:
- Today's premium. Lincoln estimates for the same plan and age differ by more than $100 a month.
- How the premium is set. Community-rated, issue-age or attained-age pricing changes what you pay at 75 and 85.
- Rate increases. Every company raises rates over time. How often and how much varies.
- Financial strength. You may keep this policy for 20 years or more.
- Service. How claims, billing and questions get handled.
That's why picking a Medigap policy is closer to buying a commodity than choosing a health plan. The plan letter decides your coverage. The company decides your price path. Our Plan G guide and Plan G vs Plan N help you pick the letter first.
What does Plan G cost in Lincoln?
For a 65-year-old in Lincoln, Medicare.gov listed 31 Plan G policies on October 2, 2026. The low end of each estimate ran from $137 a month to $311, and the middle of the pack was around $205. One outlier listing ran as high as $1,063.
| Company (Medicare.gov listing) | Plan G estimate, age 65, Lincoln |
|---|---|
| Old Surety (issue-age rated) | from $137 |
| Physicians Mutual (lower-priced listing) | $145 to $178 |
| HealthSpring | $165 to $209 |
| Mutual of Omaha | $189 to $250 |
| Blue Cross and Blue Shield of Nebraska | $200 to $264 |
| Medico | $205 to $236 |
| AARP / UnitedHealthcare (standard) | $216 to $269 |
| Aetna | $227 to $291 |
| Medica | $229 to $303 |
| Humana | $257 to $386 |
Source: Medicare.gov Medigap tool, ZIP 68508, accessed October 2, 2026. Ranges span sex and tobacco use. These are estimates, not quotes. The Nebraska Department of Insurance publishes its own statewide Plan G ranges for age 65, and its two 2026 documents disagree slightly ($135 to $766 a month in one, $110 to $765 in the other), so treat every figure here as a starting point.
For comparison, Plan N listings for the same age and ZIP started between $109 and $278 a month. High-deductible Plan G ran $37 to $111 statewide, with a deductible of $2,950 in 2026 that rises to $3,050 in 2027. See High-Deductible Plan G for that math.
How does a company's pricing method change what you pay later?
The pricing method decides how your premium grows as you age, and it matters as much as the starting price. There are three types:
| Pricing method | How it works | What it means for you |
|---|---|---|
| Community-rated | Same premium for everyone, regardless of age | Rises only with general increases |
| Issue-age rated | Based on your age when you buy | Doesn't rise because you age, but can rise for other reasons |
| Attained-age rated | Based on your current age | Rises as you age, plus general increases |
The Nebraska Department of Insurance says most Nebraska Medigap policies are attained-age rated. A low attained-age price at 65 can pass a community-rated price by your 70s. Ask every company which method it uses before comparing.
When can you buy or switch Medigap companies in Nebraska?
Your best window is the one-time Medigap Open Enrollment Period: 6 months starting the first month you have Part B and are 65 or older. During it, companies must sell you any plan they offer, with no health questions and no higher price for health conditions.
After that window, the Nebraska Department of Insurance says "companies may refuse coverage because of health reasons." Nebraska has no birthday or anniversary rule for switching each year. The fall Annual Enrollment Period does not give you new Medigap rights. Read Medigap open enrollment in Nebraska for the guaranteed issue situations that do.
If you're under 65 on Medicare because of a disability, the Nebraska Department of Insurance's 2026 fact sheet says you get the same open enrollment period when Part B starts, though companies may not offer every plan. Earlier state guides said otherwise, so confirm with the company or Nebraska SHIP before you rely on it.
What does this ranking not tell you?
It doesn't tell you a company's rate increase history, because the Nebraska Department of Insurance doesn't publish a company-by-company Medigap rate guide. You have to ask. Here's what to ask each company or agent:
- Which pricing method does this policy use?
- How much has this policy's premium gone up in Nebraska in each of the last few years?
- Is this quote for a standard policy, a lower-priced "innovative" version, or a Medicare SELECT policy?
- Are there discounts, and what happens to them over time?
- Who handles claims and customer service?
You can also look up a company's complaint record in the NAIC Consumer Insurance Search. For a broader look at local companies, see our list of Nebraska-based insurance companies.
Where can you get unbiased Medigap help?
The Medicare.gov Medigap tool shows every company selling in your ZIP code. 1-800-MEDICARE (1-800-633-4227) is available 24 hours a day, 7 days a week (TTY 1-877-486-2048).
The Nebraska Department of Insurance refers people who want personal Medigap comparisons to Nebraska SHIP (formerly SHIIP) at 1-800-234-7119. SHIP doesn't sell insurance or endorse any company. Our page on SHIP and other local help explains the options.
If you'd like quotes from several companies side by side, talk to me. I'm an independent agent, this list isn't a list of companies I'm appointed with, and my help costs you nothing. For Lincoln specifics, see Medicare Supplement in Lincoln.
Frequently asked questions
There is no single best company, because every company's Plan G covers the same benefits. Compare the premium you are quoted today, how the company sets future premiums, its rate increase history and its financial strength. Mutual of Omaha and Physicians Mutual, both based in Omaha, carry AM Best A+ ratings on their own websites. Get quotes from several companies for your age, ZIP code and tobacco status.
On October 2, 2026, the Medicare.gov Medigap tool showed 31 Plan G listings for a 65-year-old in Lincoln (ZIP 68508). The low end of each company's estimate ran from $137 to $311 a month, with a median near $205. These are estimates, not quotes. Your price depends on your age, sex, tobacco use and the company's pricing method, and it can change each year.
Yes. Federal law standardizes Medigap plans in Nebraska, so Plan G from one company pays the same benefits as Plan G from any other. That is why price, premium increases, financial strength and customer service are the real differences. The one exception is a Medicare SELECT policy, which uses a hospital network in exchange for a lower premium.
You can apply any time, but after your one-time 6-month Medigap Open Enrollment Period, companies can use medical underwriting and may turn you down for health reasons. Nebraska has no birthday or anniversary rule that lets you switch each year. Some situations, such as your Medicare Advantage plan leaving your area, give you guaranteed issue rights to buy certain plans.
An attained-age rated policy bases your premium on your current age, so it goes up as you get older, on top of any increases for inflation or claims. The Nebraska Department of Insurance says most Nebraska Medigap policies are attained-age rated. Issue-age policies are priced on your age when you buy, and community-rated policies charge the same premium regardless of age.
Yes, according to the Nebraska Department of Insurance. Its 2026 fact sheet says people who qualify for Medicare because of a disability get the same Medigap Open Enrollment Period when their Part B begins, but insurance companies may not offer every plan to them. Older state guides said otherwise, so confirm with the company or Nebraska SHIP (1-800-234-7119) before you count on it.
Sources
- Medicare.gov: Find a Medigap policy (accessed October 2, 2026) (opens in a new tab)
- Nebraska Department of Insurance: Medicare Supplement Fact Sheet 2026 (opens in a new tab)
- Medicare.gov: Choosing a Medigap Policy (CMS Product No. 02110, March 2026) (opens in a new tab)
- Mutual of Omaha: Financial strength (opens in a new tab)
- Wellabe: About us (opens in a new tab)
- HCSC: Completes rebranding of supplement plans to HealthSpring (opens in a new tab)
- CMS: 2027 high-deductible Medigap amount (opens in a new tab)
- NAIC: Consumer Insurance Search (complaint data) (opens in a new tab)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (1-800-633-4227) is available 24 hours a day, 7 days a week. TTY users can call 1-877-486-2048.
