Best Medicare Supplement Plans in Nebraska 2026
Nebraska has over 290,000+ Medigap enrollees. Plan G starts at $152/mo in Omaha and averages $326/mo statewide. We compared 35+ carriers to find the best coverage in the Cornhusker State.
Nebraska Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, Nebraska does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
More than 290,000 Nebraskans have Medicare Supplement Insurance, also called Medigap. Nebraska follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026).
Nebraska does not have a birthday rule or anniversary rule, which means your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best and most important opportunity to lock in coverage. After that window closes, carriers can use medical underwriting to deny your application or charge higher premiums based on your health history.
Plan G premiums in Omaha range from $152/mo (MedMutual Protect, A+) to $235/mo (Mutual of Omaha) for a 65-year-old. MedMutual Protect is the clear price leader at 27% below the state average. USAA ties for the second-lowest Plan G at $156/mo with an A++ rating, but is only available to military members and veterans. For all 10 plan types with issue-age pricing, Transamerica at $183/mo is the top pick.
Best Medicare Supplement Companies in Nebraska
Ranked by MedicareFAQ Score, which weighs financial strength, customer satisfaction, premium competitiveness, plan availability, and discounts.
MedMutual Protect
Plan G
$152/mo
Plan N
$117/mo
AM Best
A+
MedMutual Protect is the top-rated Medigap carrier in Nebraska for 2026, offering the lowest Plan G at $152/mo (27% below the state average), the lowest Plan N at $117/mo, and the lowest Plan F at $177/mo. As the Medigap division of Medical Mutual of Ohio, it holds an AM Best A+ rating with a strong claims-paying track record.
USAA
Plan G
$156/mo
Plan N
$N/A/mo
AM Best
A++
USAA offers the second-lowest Plan G in Nebraska at $156/mo with an A++ AM Best rating, the highest possible. USAA Medigap is only available to military members, veterans, and their eligible family members. If you qualify, USAA is the best value Plan G in Nebraska.
Transamerica
Plan G
$183/mo
Plan N
$N/A/mo
AM Best
A
Transamerica is the only Nebraska carrier offering all 10 standard Medigap plan types with issue-age pricing. Their Plan G at $183/mo is competitive, and they offer the lowest Plans K ($82/mo) and L ($121/mo) in Nebraska. Issue-age pricing locks your rate at enrollment, which can save money over a 10 to 20 year horizon.
Globe Life
Plan G
$211/mo
Plan N
$N/A/mo
AM Best
A
Globe Life offers the lowest Plan A rates in Nebraska at $135/mo and strong financial stability. Their Plan G at $211/mo is above average, but for seniors who only want Plan A coverage, Globe Life is the best value in the state.
Philadelphia American
Plan G
$N/A/mo
Plan N
$N/A/mo
AM Best
A-
Philadelphia American offers the lowest Plans C ($186/mo), D ($148/mo), and M ($95/mo) in Nebraska. With seven plan types available, it is the best choice for Nebraska seniors who want less common plan options at competitive prices.
Medicare Supplement Prices in Nebraska
Sample monthly premiums from top carriers in Omaha for a 65-year-old female nonsmoker. Rates may include available household discounts. Nebraska uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| MedMutual Protect | $152 | $117 | $177 |
| USAA* | $156 | N/A | N/A |
| Old Surety | $157 | N/A | N/A |
| LifeShield National | $160 | $120 | N/A |
| Wellcare | $163 | $120 | N/A |
| Transamerica | $183 | N/A | N/A |
| Globe Life | $211 | N/A | N/A |
| AARP / UnitedHealthcare | $228 | $172 | $265 |
| Mutual of Omaha | $235 | $178 | $272 |
*USAA is only available to military members, veterans, and eligible family members. Lowest Plan G for the general public: $152/mo (MedMutual Protect). Source: Nebraska DOI, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Nebraska
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Nebraska. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Omaha) | $152-$183 | $117-$120 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Nebraska allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
Nebraska has no birthday rule, so your initial enrollment decision is the most important one you will make. MedMutual Protect at $152/mo is the best overall value in Nebraska: A+ rated, lowest Plan G and Plan N in the state, and strong claims-paying history. If you or your spouse served in the military, USAA at $156/mo with an A++ rating is the clear winner. For all 10 plan types with issue-age pricing that locks your rate at enrollment, Transamerica at $183/mo is the top pick for long-term rate stability. Do not just chase the lowest premium today. Attained-age pricing means rates will increase every year as you age.
Nebraska Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule in Nebraska
Nebraska does not have a birthday rule or anniversary rule. Your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your best opportunity to get Medigap coverage without medical underwriting. After that window, carriers can deny coverage or charge higher rates based on your health history.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions.
Attained-Age Rating Dominates
Most Nebraska Medigap carriers use attained-age pricing, meaning premiums increase as you age. Transamerica is a notable exception, offering issue-age pricing that locks your rate at enrollment.
Under-65 Coverage Not Required
Nebraska does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 on disability. Some carriers offer coverage voluntarily, but availability and pricing vary.
Excess Charges Apply
Nebraska allows Medicare excess charges. Plan G covers these charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G provides more complete protection.
Free SHIP Counseling
Nebraska SHIP counselors provide free, unbiased help comparing Medigap plans. They never recommend specific policies or agents. Call (800) 234-7119 for assistance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Nebraska market average
Plan Availability
Number of plan types offered in Nebraska
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Nebraska Department of Insurance, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Nebraska ZIP Code
Nebraska has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $152/mo in Omaha. Compare all available carriers in your area before enrolling.