Medicare Supplement (Medigap) FAQ for Nebraska

Plan G covers your share of Medicare-approved costs after you pay the yearly Part B deductible, which is $283 in 2026. That includes the Part A hospital deductible ($1,736 per benefit period in 2026), the 20% Part B coinsurance, skilled nursing coinsurance, Part B excess charges, and 80% of emergency care during foreign travel up to plan limits. It is the most complete plan most new enrollees can buy.

Both cover the big costs, including the Part A hospital deductible. Plan N usually costs less but has copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an inpatient admission. Plan N also does not cover Part B excess charges, which Plan G does. Neither plan covers the Part B deductible.

During your Medigap Open Enrollment Period. It is a one-time, 6-month window that starts the first month you have Part B and are 65 or older. During those 6 months, an insurer cannot turn you down, use medical underwriting or charge more because of health problems. The window does not repeat, so if you plan to buy Medigap, buying it then gives you the most choice.

Yes, after your 6-month Medigap Open Enrollment Period ends. The Nebraska Department of Insurance says that after that window, companies may refuse coverage because of health reasons. Exceptions are federal guaranteed issue rights, such as when your Medicare Advantage plan leaves your area or your employer coverage that pays after Medicare ends. In those cases, an insurer must sell you certain plans without health questions.

No birthday or anniversary rule has been identified in Nebraska. The Nebraska Department of Insurance's 2026 fact sheet describes only the federal 6-month Medigap Open Enrollment Period. A few other states let you switch Medigap plans each year around your birthday without underwriting, but Nebraska is not one of them. Choose your first plan with the long run in mind.

Only if you were eligible for Medicare before January 1, 2020. Plans C and F, which cover the Part B deductible, cannot be sold to people new to Medicare on or after that date. If you were eligible for Medicare before 2020 but didn't buy a Medigap plan then, you can still buy Plan F. Everyone else can buy Plan G, which covers the same things except the Part B deductible.

It depends on the plan, the company, your age, tobacco use and sex. The Nebraska Department of Insurance's 2026 fact sheet listed Plan G premiums for a 65-year-old from $135 to $766 a month statewide. Most Nebraska Medigap policies are attained-age rated, which means premiums rise as you get older, on top of increases for inflation and claims. Compare several companies, since the coverage is identical. Nebraska SHIP (formerly SHIIP) also offers unbiased comparisons at 1-800-234-7119.

No. Medigap plans sold today do not include prescription drug coverage. If you have Original Medicare and a Medigap plan, you need a separate Part D drug plan for your medications. Sign up for Part D when you are first eligible, unless you have other creditable drug coverage, or you may pay a late enrollment penalty for as long as you have Part D.

No. A Medicare Supplement plan only works with Original Medicare. It will not pay any costs in a Medicare Advantage plan, and it is against the law for anyone to sell you a Medigap policy if they know you have Medicare Advantage, unless you are switching back to Original Medicare. If you leave Medigap to try Medicare Advantage, you may not be able to get your Medigap plan back later.

Standard Medigap plans do not. You can see any doctor or hospital in the United States that accepts Medicare, with no referrals. The exception is a Medicare SELECT policy, which uses a network of hospitals in exchange for a lower premium. If a quote looks low, ask whether it is a SELECT policy and which hospitals in Lincoln, Omaha or your area it uses.

High-deductible Plan G has the same benefits as Plan G, but you pay a yearly deductible before it pays anything. The deductible is $2,950 in 2026 and $3,050 in 2027. In exchange, the premium is usually much lower. It can fit healthy people who want protection from a large hospital bill and can cover the deductible from savings if something happens.

The October 15 to December 7 Annual Enrollment Period is for Medicare Advantage and Part D, not Medigap. You can apply to change Medigap plans any time of year, but outside your Medigap Open Enrollment Period or a guaranteed issue situation, the new company can ask health questions and decline you. Keep your current policy until the new one is approved and in force.

Probably, 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 companies may not offer every plan to them. Older state guides said otherwise, so confirm with the company or Nebraska SHIP at 1-800-234-7119 before you count on it. When you turn 65, you get a new 6-month Medigap Open Enrollment Period.