Medicare Learning Center
What Is a Medicare Supplement (Medigap) Plan?
A Medicare Supplement (Medigap) plan is a secondary insurance policy that covers the out-of-pocket costs Original Medicare doesn't pay, including the $1,736 Part A deductible, 20% Part B coinsurance, and skilled nursing costs. Plans are standardized by letter (G, N, etc.), cost $100 to $300+/month, and let you see any doctor in the country that accepts Medicare.
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How Does Medicare Supplement Work?
Medicare Supplement (also called Medigap) plans are sold by private insurance companies and are designed to work alongside Original Medicare (Parts A & B). They help cover "gaps" in Medicare - the deductibles, copays, and coinsurance that you'd otherwise pay out of pocket. According to KFF, about 14 million Medicare beneficiaries have Medigap coverage.
Unlike Medicare Advantage, Medigap plans don't have networks. You can see any doctor or hospital in the country that accepts Medicare. Plans are standardized by letter (A, B, D, G, K, L, M, N) - meaning Plan G from one company covers the same things as Plan G from another. The only difference is the premium.
What Does Each Medigap Plan Cover?
All Medicare Supplement plans are standardized - the benefits are the same regardless of which insurance company sells them. The only difference is cost. Plans are regulated by CMS.
| Benefit | A | B | C* | D | F* | G★ Popular | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A Hospital Coinsurance & 365 Extra Days | ||||||||||
| Part B Coinsurance / Copay | 50% | 75% | Copays† | |||||||
| Blood (First 3 Pints) | 50% | 75% | ||||||||
| Part A Hospice Care Coinsurance | 50% | 75% | ||||||||
| Skilled Nursing Facility Coinsurance | 50% | 75% | ||||||||
| Part A Deductible ($1,736) | 50% | 75% | 50% | |||||||
| Part B Deductible ($283) | ||||||||||
| Part B Excess Charges | ||||||||||
| Foreign Travel Emergency (80%) | ||||||||||
| Out-of-Pocket Maximum | $7,060 | $3,530 |
How Much Does Each Medigap Plan Cost in Nebraska? (2026)
Nebraska uses attained-age pricing for most Medigap plans, meaning premiums start lower at age 65 but increase as you get older. Rates vary widely by insurer, comparison shopping can save $50 to $100/month on identical coverage.
| Plan | Monthly Range* |
|---|---|
| A | $86, $546/mo |
| B | $119, $472/mo |
| C | $133, $528/mo |
| D | $107, $345/mo |
| F | $111, $598/mo |
| F (HD) | $40, $184/mo |
| GMost Popular | $97, $568/mo |
| G (HD) | $37, $338/mo |
| K | $50, $176/mo |
| L | $62, $320/mo |
| M | $78, $363/mo |
| N2nd Most Popular | $74, $483/mo |
*Ranges reflect quotes for a 65-year-old non-smoker. Rates vary by age, gender, zip code, and insurer. Sources: NE DOI, EZ.Insure, Connie Health, AHI state guides.
How Do Nebraska Medigap Rates Compare to Neighboring States?
Plan G and Plan N are the two most popular Medigap plans nationwide. Here's how Nebraska premiums compare to surrounding states. The same Plan G coverage costs different amounts depending on where you live.
| State | Plan G | Plan N |
|---|---|---|
| Colorado | $101, $417/mo | $72, $406/mo |
| Iowa | $79, $353/mo | $62, $265/mo |
| Kansas | $106, $423/mo | $79, $407/mo |
| Missouri | $134, $738/mo | $108, $623/mo |
| NebraskaYou | $83, $503/mo | $75, $428/mo |
| South Dakota | $99, $368/mo | $73, $267/mo |
*Monthly premiums for a nonsmoking 65-year-old. Prices vary by ZIP code, insurer, and enrollment discounts. Sources: AHI state guides, Humana national analysis.
→ View the full 48-state Medicare Supplement cost comparison
Which Medigap Plans Are Most Popular?
Plan G
$97 to $568/mo in NEThe most popular plan for new enrollees. Covers everything except the Part B deductible ($283/year in 2026). Offers predictable, low out-of-pocket costs.
Plan N
$74 to $483/mo in NELower premiums than Plan G, but you pay small copays ($20 for office visits, $50 for ER). Good for healthy people who want to save on premiums.
High-Deductible Plan G
$37 to $338/mo in NESame benefits as Plan G, but you pay a deductible ($2,950 in 2026) before the plan kicks in. Lowest premiums available.
What Are the Pros and Cons of Medicare Supplement?
Advantages
- • Predictable costs - you know what you'll pay
- • See any doctor that accepts Medicare nationwide
- • No network restrictions or referrals needed
- • Great for travelers and snowbirds
- • Standardized coverage - easy to compare
Considerations
- • Higher monthly premiums than Medicare Advantage
- • No extra benefits (dental, vision, hearing not included)
- • Need a separate Part D prescription drug plan
- • Health underwriting applies outside open enrollment
- • Premiums increase with age
When Is the Best Time to Enroll in a Medicare Supplement Plan?
Your Medigap Open Enrollment Period is the 6-month window starting when you're 65 or older AND enrolled in Medicare Part B. During this period, insurance companies cannot deny you coverage or charge higher premiums based on health conditions. This is guaranteed by federal law.
After this window closes, companies can use medical underwriting - meaning pre-existing conditions could result in higher premiums or denial. According to Medicare.gov, this is the single most important deadline for anyone considering a Supplement plan.
Important: If you're considering a Medicare Supplement plan, explore your options during your open enrollment window. It's the one time you have guaranteed access to any plan at the best available rate.
Frequently Asked Questions About Medicare Supplement Plans
Sources: CMS.gov, KFF.org, Medicare.gov
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