Medicare Supplement

Shopping for Medigap in Lincoln? Here is how the plan letters work in Nebraska

Medigap — also called Medicare Supplement Insurance — is a private policy that helps pay some of the out-of-pocket costs left behind by Original Medicare, such as coinsurance and copays. It is sold in standardized “letter” plans, which means a Plan G from one company covers the same federally required benefits as a Plan G from another company.

Medicare SupplementLincoln, NE

What Medigap is, and what it is not

Medigap is not Medicare Advantage. You cannot have both at the same time. And a Medigap policy does not include prescription drug coverage, so if you want help paying for medicines, you generally add a stand-alone Part D plan.

Which letters a Lincoln resident can buy

Lincoln is in Lancaster County, and Nebraska follows the federal standardized Medigap framework. If you are newly eligible for Medicare today, you can shop these letter plans:

• Plan A
• Plan B
• Plan D
• Plan G
• Plan G High Deductible (G-HD)
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F are closed to anyone who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to buy them.

Each letter covers a different mix of benefits — for example, coinsurance for hospital and doctor visits, some skilled nursing costs, or foreign travel emergency care. Medicare.gov publishes a side-by-side chart showing exactly what each letter includes.

How Medigap pairs with Original Medicare and Part D

The usual setup looks like this: Original Medicare pays first, your Medigap policy fills in some of what is left, and a separate Part D plan handles your prescriptions.

A few Part D facts worth knowing for 2026:

• The new out-of-pocket cap for covered drugs is $2,100.
• The maximum Part D deductible is $615.
• The old coverage gap (“donut hole”) is gone — drug coverage now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly payments.
• IRMAA surcharges — extra Part B and Part D premiums for higher incomes — begin above $109,000 for a single filer.

The state rules that shape the choice

Two rules do more than anything else to shape a Medigap decision:

Your Medigap Open Enrollment Period. This is the six-month window that starts the month you turn 65 and are enrolled in Part B. During that window, insurers in Nebraska must sell you any Medigap policy they offer at their best available rate for your age, regardless of health history. Outside that window, in most cases, insurers can use medical underwriting and turn you down or charge more.

How the policy is priced. Nebraska insurers may use different pricing methods — such as issue-age, attained-age or community-rated — and premiums for the same lettered plan can vary widely between companies. Because the benefits inside a given letter are standardized, price and the company’s track record of rate changes are two of the biggest things to compare.

Nebraska may also have specific guaranteed-issue rights beyond federal law. For anything state-specific — including questions about switching plans later — check with the Nebraska Department of Insurance or your local SHIP counselor.

How to compare policies for your ZIP code

Because we cannot list Nebraska insurers here, use these free tools:

• Medicare.gov Medigap policy search. Enter a Lincoln ZIP code to see every company licensed to sell each letter in your area, along with contact information.
• Nebraska Department of Insurance Medigap rate guide. The state publishes a guide showing premium ranges by company and plan letter.
• Nebraska SHIP (Senior Health Insurance Information Program). Free, unbiased counseling by phone or in person.
• 1-800-MEDICARE. For general Medicare questions any time.

The table on this page lists the standardized letters available in Nebraska; use it as a starting point when you talk with a counselor or licensed agent.