Nebraska Medicare Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Nebraska.
Medicare Supplement Insurance (Medigap) Policies
Nebraska does not mandate insurance carriers to sell Medicare Supplement Insurance (or Medigap) policies to Medicare recipients under age 65. Some insurance carriers may still offer Medicare supplement options to those under 65, but they may charge higher costs or set other restrictions that do not apply to those 65 and older, or they may deny your application. Read more details at CMS.gov.
Mini-COBRA Policies (Small Group)
Nebraska state law requires small employers (less than 20 employees) to offer continuation coverage. Plans with 2-19 employees can qualify for nine months, dependents can qualify for two years. Find more details here.
Nebraska Medicare Savings Program
Nebraska offers four Medicare Savings Programs that individuals who qualify may apply for through the Nebraska Department of Health and Human Services.
*The following data is from 2017 and is based on federal amounts. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.
- *Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 or couples with a monthly income under $1,355 who are receiving Medicare Part A, the state pays all premiums, deductibles, co-payments, and coinsurance for Medicare Parts A and B.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with a monthly income under $1,622 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- *Qualified Individuals (QIs): For individuals with a monthly income under $1,357 or couples with a monthly income under $1,823 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
- *Qualified Disabled and Working Individuals (QDWIs): For individuals with a monthly income under $4,045 and couples with income under $5,425 who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium for up to 48 months.
*Data from Medicare.gov
Nebraska State Health Insurance Assistance Program (SHIP)
The Nebraska SHIIP is a free counseling service provided to Medicare beneficiaries and disabled Nebraskans, their families, and caregivers to help them understand their health care options. It is an independent organization that does not sell insurance policies or conduct market research, and it does not have a relationship with any insurance provider. Nebraska SHIIP provides free, confidential, unbiased counseling through group presentations and one-on-one sessions.
Low-Income Subsidy (ExtraHelp) for Prescription Drugs
In 2017, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).
If you live in Nebraska and have questions about the benefits listed above and how to choose the health care coverage that is best for you, consult with one of our licensed sales agents for help when you compare Nebraska Medicare insurance plans. Our knowledgeable licensed sales agents can help you compare plans in your area to ensure you find the Medicare benefits that are right for your needs.