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HomeMedicare SupplementNebraskaMedigap in Nebraska for 2027: 25 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Nebraska for 2027: 25 Insurers and the Plans They Sell

OMAHA, Neb. — Nebraskans with Original Medicare have a wide shelf of Medicare Supplement (Medigap) policies to consider for 2027. A search on Medicare.gov's Medigap policy finder for ZIP code 68102 returns 25 insurers selling standardized plans in the state, spanning plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. What a given insurer sells can vary by ZIP code and by age, sex and tobacco use, so the list below is a starting point for shopping, not a quote.

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Key takeaways

  • Medicare.gov lists 25 insurers selling Medigap in Nebraska, offering some combination of plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • The best time to buy, with no medical underwriting, is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • 18 Medicare Advantage plans offered in Nebraska in 2026 will not be offered anywhere in the state in 2027; affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage beginning January 1, 2027.
Medicare SupplementNebraska
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Nebraska
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Nebraska?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to pay some of the out-of-pocket costs Original Medicare leaves behind, such as coinsurance and copayments. You keep Original Medicare as your primary coverage and can see any provider in the country who accepts Medicare.

Medicare Advantage (Part C) is a different route: a private plan replaces Original Medicare as the way you get Part A and B benefits, usually with its own network and often with drug coverage built in. You can have Medigap or Medicare Advantage, but not both at once. Medigap pairs with Original Medicare; it does not pair with a Medicare Advantage plan.

Which insurers sell Medigap in Nebraska for 2027, and which plan letters?

Medicare.gov's Medigap policy search for ZIP 68102 lists these 25 insurers and the standardized plan letters each is shown selling:

Because every Medigap plan with the same letter must offer the same federally standardized benefits, Plan G from one insurer covers the same gaps as Plan G from another; the differences are price, service and whether the company is selling in your ZIP code. Plans C and F are closed to people who became eligible for Medicare on or after January 1, 2020.

When is the six-month Medigap Open Enrollment Period, and why does it matter in Nebraska?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window a Nebraska insurer must sell you any Medigap policy it offers, cannot charge you more because of health history, and cannot refuse to cover a pre-existing condition after any applicable waiting period.

Outside this window, insurers in Nebraska can generally use medical underwriting, which may mean higher prices or a declined application. That is why many people shopping for Medigap pay close attention to this one-time window.

What is a guaranteed-issue right, and what happens if my Medicare Advantage plan is leaving Nebraska in 2027?

A guaranteed-issue right (sometimes called a Medigap protection) is a situation in which an insurer must sell you certain Medigap policies, cannot look at your health history, and cannot impose a pre-existing condition waiting period. One of the most common triggers is losing your current coverage through no fault of your own.

For 2027, 18 Medicare Advantage plans offered in Nebraska in 2026 will not be offered anywhere in the state, according to the CMS Landscape files. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans. Your plan's non-renewal notice will spell out the deadlines and which Medigap plan letters apply; Medicare.gov describes the full list of guaranteed-issue situations.

Does Medigap cover prescriptions in Nebraska for 2027?

No. Medigap sold today does not include prescription drug coverage, so Nebraskans who want help paying for prescriptions pair Original Medicare and Medigap with a stand-alone Medicare Part D drug plan.

A few 2027 Part D numbers to know while you compare: the out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan can charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty is $41.33. Plan premiums themselves are set plan by plan.

How do I compare Medigap policies in Nebraska?

Start with the plan letter. Because benefits inside each letter are standardized by federal law, you can line up Plan G from several insurers and compare the parts that are not standardized: price, how the company handles rate increases over time, customer service and billing options.

Then confirm the policy is available for your ZIP code and your situation; what an insurer sells can vary by ZIP code and by age, sex and tobacco use. The Medicare Plan Finder at medicare.gov lets you see every Medigap policy sold in your ZIP code, and each insurer's own outline of coverage spells out the specifics.

Where can Nebraskans get free help with Medicare for 2027?

Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, are the two official starting points. Both can walk you through how Medigap and Part D work, confirm whether you have a guaranteed-issue right, and point you to the Medigap policies available in your ZIP code.

Annual Enrollment for 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Nebraska for 2027?
You can switch during Annual Enrollment, October 15 – December 7, 2026, with coverage starting January 1, 2027, but outside a guaranteed-issue situation a Nebraska Medigap insurer can usually use medical underwriting. If your 2026 Medicare Advantage plan is among the 18 not returning anywhere in Nebraska in 2027, you have a federal guaranteed-issue right to buy certain Medigap plans; check Medicare.gov or call 1-800-MEDICARE for the specifics.
Are Plans C and F still available to new Nebraska enrollees?
Plans C and F are closed to anyone who became eligible for Medicare on or after January 1, 2020. People who were already eligible before that date can still apply where an insurer offers them, and the Medicare.gov Medigap search for ZIP 68102 shows several Nebraska insurers continuing to sell C, F or both.
Does a Medigap policy in Nebraska include prescription drugs?
No. Medigap policies sold today do not include drug coverage. To get prescription coverage with Original Medicare and Medigap, you choose a separate Part D plan, which can be done during Annual Enrollment for 2027, October 15 – December 7, 2026.
Who should I call for free, unbiased help choosing a Medigap plan in Nebraska?
Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, or go to Medicare.gov to see every Medigap policy available in your ZIP code and to review how guaranteed-issue rights and the Medigap Open Enrollment Period apply to you.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search for ZIP 68102, including the 25 insurers listed for Nebraska and the plan letters each sells.
  • CMS Landscape Source File: the count of 18 Medicare Advantage plans offered in Nebraska in 2026 that will not be offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, Medigap Open Enrollment Period, and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates for 2027 and 2027 Part D parameters (out-of-pocket cap, maximum deductible, base beneficiary premium).
  • Social Security Administration: October 14, 2026 announcement of the 3.6 percent 2027 cost-of-living adjustment.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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