Medicare Advantage Plans in Nebraska 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Nebraska has about 34 percent of Medicare beneficiaries in Advantage plans. Omaha has the most competitive market, with Lincoln having solid options as well. Rural Nebraska, which covers most of the state's land area, has limited plan availability and smaller provider networks.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Nebraska.
Rural Coverage Note
Parts of Nebraska have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Nebraska Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Nebraska
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Nebraska
Nebraska's rural landscape means Medigap is widely used outside Omaha and Lincoln. Notably, Mutual of Omaha, headquartered in the state, is one of the largest Medigap carriers in the country and is a significant player in the Nebraska market.