Best Medicare Advantage Plans in Nebraska (2027)

Aetna Medicare and Humana provide the best Medicare Advantage plans in Nebraska, and where you live decides between them. Both earn a 4-star median CMS rating, Medicare’s 1-to-5 quality score built from care quality and member surveys.

Humana’s median maximum annual cost exposure is $2,300 below Aetna’s. The measure adds a plan’s yearly premiums to its in-network out-of-pocket limit.

Blue Cross and Blue Shield of Nebraska sells in 61 counties, more than any other carrier, but has the lowest median rating at 3 stars. Humana’s costs are lowest, and its 26 counties are the fewest.

Check Humana first if it serves your county. If it doesn’t, compare Aetna and Medica, the other 4-star carriers.

Nebraska has 30 Medicare Advantage plans for 2027, but the median county offers 13, so your address narrows the field before price does. Medicare Advantage plans are private plans that cover Part A hospital and Part B medical care in place of Original Medicare, the federal program that works with any doctor accepting Medicare.

A Medicare Supplement plan added to Original Medicare helps pay deductibles and copays.

Five of the eight carriers appear in the provider reviews below. Devoted Health and MyAdvocate Medicare Advantage hold new Nebraska contracts with no CMS Star Rating or member survey data. Wellcare performed below other rated carriers, with 2.5 stars and no dental coverage.

The best Medicare Advantage plan in Nebraska depends on your preferred providers, how often you expect to use care and which supplemental benefits matter most.

Most Nebraska Medicare Advantage plans charge no premium beyond the Part B premium, so the out-of-pocket limit determines what a heavy-use year costs. An HMO limits coverage to in-network doctors except for emergencies and urgent care, and it carries the lowest limit. Nebraska has one, Humana Gold Plus H0028-053.

A PPO pays for out-of-network doctors at a higher cost, and its median out-of-pocket limit is $2,750 higher than the HMO’s. HMO-POS plans, HMO-POS plans, HMOs that allow some out-of-network visits, have a $6,825 median out-of-pocket limit and the highest median hospital copay, $500 a day. Every plan type charges $15 for primary care, so compare limits and hospital copays if you expect a stay.

*Median cost figures across all 30 non-SNP Nebraska MA plans, grouped by plan type. All dollar figures are rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis. HMO figures reflect Nebraska’s single HMO plan, Humana Gold Plus H0028-053.

Nebraska residents can get free plan counseling, compare coverage options and apply for cost-assistance programs through these state and federal resources.

• Nebraska SHIP, State Health Insurance Assistance Program: Nebraska's free counseling program connects residents with trained advisors who compare Medicare Advantage plans with you and explain when you can enroll.
• Medicare.gov Plan Finder: The federal comparison tool for Medicare Advantage plans available in your Nebraska county, including premiums, out-of-pocket limits, drug coverage and CMS star ratings.
• Nebraska Department of Insurance: The state agency that licenses and regulates insurance carriers in Nebraska. Use it to check a carrier’s license or file a complaint.
• Medicare Savings Programs: Medicare.gov’s overview of the four programs that help pay Part A and Part B premiums, with steps to apply through your state Medicaid office.
• Social Security Administration: Enroll in Medicare Part A and Part B, check your enrollment status or update payment arrangements.

For 2027, MoneyGeek scored 30 non-SNP Nebraska Medicare Advantage plans across eight carriers, 14 CMS contracts and 93 counties. Five CMS datasets power the analysis: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

All ratings exclude Special Needs Plans, which serve people with certain chronic conditions or who also have Medicaid. Nebraska has 93 counties, so a carrier must serve at least five to qualify. All eight carriers pass that threshold.

Devoted Health and MyAdvocate Medicare Advantage each hold a new Nebraska contract with no CMS Star Rating or CAHPS data on file. Neither is featured in the provider reviews above.   

Wellcare scored across all three categories but performed below the other Nebraska carriers. It is not featured in the provider reviews above.   

How We Score Carriers

Each carrier’s score starts from median values across its Nebraska non-SNP Medicare Advantage plans, with CMS Star Ratings and CAHPS scores as plan-weighted medians. Affordability and benefits results are scaled from 3.5 to 5.0 across the eligible carriers.

• Affordability (40%): Built on maximum annual cost exposure, which adds a plan’s yearly premiums to its out-of-pocket limit. Copays for inpatient hospital stays, specialist visits and primary care also factor in.
• Quality and Member Experience (40%): CMS Star Ratings account for 60% of this category, with Rating of Health Plan scores from CAHPS, Medicare’s member experience survey, filling the other 40%. Both come from contract-level data.
• Benefits and Access (20%): Half of this category reflects supplemental dental, OTC, vision and hearing benefits. County coverage contributes 30% and plan choice per county contributes 20%.