Updated: June 10, 2026
Advertising & Editorial Disclosure
Globe Life has Nebraska's cheapest Plan A rates. MedMutual has the lowest Plan F rates.
Medicare Supplement plans cost $40 to $607 monthly, depending on your plan choice and your age.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
MedMutual Protect has the lowest Plan G rate in Nebraska at $152 monthly, $174 below the state average and $2,094 less per year. It also leads for Plan N at $117 monthly and Plan F at $177 monthly. Globe Life has Nebraska's lowest Plan A rate at $135 monthly.
Three pricing methods apply to Nebraska Medigap plans: Issue Age, Attained Age and Community-Rated. Most Nebraska carriers use Attained Age Pricing, which raises rates annually.
| Globe Life | A | $135 | $94 | Attained Age Pricing |
| Aetna | B | $179 | $132 | Attained Age Pricing |
| Philadelphia American | C | $186 | $133 | Attained Age Pricing |
| Philadelphia American | D | $148 | $46 | Attained Age Pricing |
| MedMutual Protect | F | $177 | $187 | Attained Age Pricing |
| MedMutual Protect | G | $152 | $174 | Attained Age Pricing |
| Transamerica | K | $82 | $49 | Issue Age Pricing |
| Transamerica | L | $121 | $71 | Issue Age Pricing |
| Philadelphia American | M | $95 | $27 | Attained Age Pricing |
| MedMutual Protect | N | $117 | $155 | Attained Age Pricing |
*Prices are for 65-year-olds.
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Cost
Plan Types
Nebraska residents find the cheapest Plan G through MedMutual Protect. In MoneyGeek's 2026 analysis of Plan G rates for 65-year-olds, MedMutual Protect came in at $152 monthly, $174 below the state average and $2,094 less per year than the average Nebraska Plan G premium. USAA and Old Surety provide competitive rates for members who qualify.
| MedMutual Protect | $152 | $174 | $1,824 | $2,094 |
| USAA | $156 | $170 | $1,872 | $2,046 |
| Old Surety | $157 | $169 | $1,884 | $2,034 |
| Ace Property and Casualty | $157 | $169 | $1,884 | $2,034 |
| LifeShield National | $160 | $166 | $1,920 | $1,998 |
| Wellcare | $163 | $164 | $1,950 | $1,968 |
| Government Personnel Mutual | $173 | $153 | $2,076 | $1,842 |
The seven lowest-priced Plan G providers in Nebraska span $21 a month, $152 at MedMutual Protect to $173 at Government Personnel Mutual. If you choose Transamerica's Issue Age Pricing over MedMutual's Attained Age Pricing, it would add $31 per month at enrollment, more than the $21 spread across all seven carriers.
MedMutual Protect uses Attained Age Pricing, which raises rates annually. Transamerica, the only carrier in Nebraska with Issue Age Pricing, locks your rate at 65.
Plan F is available only to Nebraska residents who enrolled in Medicare before January 1, 2020. Plan F costs $177 to $202 monthly based on the insurer. MedMutual Protect sells the lowest Plan F rate at $177 monthly. Ace Property and Casualty ($183 monthly) and Old Surety ($186 monthly) each save Nebraska seniors at least $178 per month compared to the state average.
| MedMutual Protect | $177 | $187 | $2,124 | $2,240 |
| Ace Property and Casualty | $183 | $181 | $2,196 | $2,168 |
| Old Surety | $186 | $178 | $2,232 | $2,132 |
| Wellcare | $187 | $177 | $2,238 | $2,126 |
| Wisconsin Physicians Service | $194 | $170 | $2,328 | $2,036 |
| LifeShield National | $198 | $166 | $2,376 | $1,988 |
| Nassau | $202 | $162 | $2,424 | $1,940 |
Nebraska has seven Plan F providers compared with at least 10 for Plan G. Plan F closed to new enrollees in 2020. The $25 monthly spread between MedMutual Protect ($177) and Nassau ($202) is wider than the $21 Plan G spread and the $16 Plan N spread.
MedMutual Protect uses Attained Age Pricing, which raises its rate annually from the $177 entry point.
Plan N costs $117 to $133 monthly in Nebraska. MedMutual Protect has the lowest Plan N rate at $117 monthly. That rate saves Nebraska residents $1,863 annually compared to the state average. Ace Property and Casualty ($119 monthly) and Wellcare ($120 monthly) provide competitive rates.
| MedMutual Protect | $117 | $155 | $1,404 | $1,863 |
| Ace Property and Casualty | $119 | $153 | $1,428 | $1,839 |
| Wellcare | $120 | $153 | $1,434 | $1,833 |
| LifeShield National | $120 | $152 | $1,440 | $1,827 |
| Government Personnel Mutual | $125 | $147 | $1,500 | $1,767 |
| Nassau | $129 | $143 | $1,548 | $1,719 |
| Cigna | $133 | $139 | $1,596 | $1,671 |
Plan N's $16 monthly spread, $117 at MedMutual Protect to $133 at Cigna, is the tightest of the three popular plan types in Nebraska. The $20 office visit copay is the real cost variable. Choosing MedMutual Protect's Plan N over its Plan G saves $35 per month in premiums. At $20 per visit, you'd need more than 21 doctor visits per year before Plan G's all-in cost drops below Plan N's.
Your best Medicare Supplement plan depends on your age and which coverage level you need. Monthly costs vary from $40 to $607 across Nebraska's 10 standardized plan types.
| Globe Life | A | No | 65 | $135 | $0 | Attained Age Pricing |
| Philadelphia American | A | No | 65 | $144 | $0 | Attained Age Pricing |
| MedMutual Protect | A | No | 65 | $149 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $159 | $0 | Attained Age Pricing |
| Government Personnel Mutual | A | No | 65 | $161 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $162 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $163 | $0 | Attained Age Pricing |
| Wellcare | A | No | 65 | $172 | $0 | Attained Age Pricing |
| Aetna | A | No | 65 | $178 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $178 | $0 | Issue Age Pricing |
For 65-year-olds, Medicare Supplement insurance costs in Nebraska range from $122 monthly for Plan M up to $364 monthly for Plan F across 10 standardized options. The average across all plan types is $246 monthly. Plan G averages $326 monthly, Plan F averages $364 monthly and Plan N averages $272 monthly. Annual costs run from $1,464 to $4,368 depending on plan selection, age and insurer pricing method.
| A | $229 | $2,748 |
| B | $311 | $3,732 |
| C | $319 | $3,828 |
| D | $194 | $2,328 |
| F | $364 | $4,368 |
| G | $326 | $3,912 |
| K | $131 | $1,572 |
| L | $192 | $2,304 |
| M | $122 | $1,464 |
| N | $272 | $3,264 |
After choosing your plan type, compare providers in Nebraska. Focus on five factors: your health care needs, plan type comparisons, quotes from multiple companies, pricing style and company ratings.
Seniors with ongoing medical conditions or frequent provider visits spend less overall under higher-premium plans with lower out-of-pocket costs.
Plan G covers the most ground for new Medicare enrollees. Plan N provides similar benefits with lower premiums plus $20 copays for doctor visits and $50 for emergency room visits. Plan F covers all out-of-pocket costs but is available only to those who enrolled in Medicare before 2020.
Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D have varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
Get quotes from at least three companies to confirm competitive rates. Among the seven lowest-priced Plan G providers in Nebraska, monthly rates span from $152 to $173, a $21 spread for identical coverage.
Three pricing methods apply in Nebraska: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone regardless of age). Transamerica uses Issue Age Pricing in Nebraska. Most other carriers use Attained Age Pricing.
Check AM Best ratings for financial stability and customer satisfaction scores for service quality before enrolling.
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. Outside this window, insurers can deny coverage or charge higher rates based on health.
Nebraska residents seeking help with Medicare coverage decisions can access multiple resources that provide free assistance at no cost.
For most Nebraska seniors enrolling at 65, MedMutual Protect Plan G at $152 monthly is the answer.
New enrollee at 65 who wants comprehensive coverage: MedMutual Protect Plan G at $152 monthly. That rate saves $2,094 annually compared to the Nebraska Plan G average. MedMutual Protect uses Attained Age Pricing, which raises rates every year from the $152 entry point. Request a rate illustration at age 75 before enrolling.
Healthy senior who wants the lowest possible premium: Transamerica Plan K at $82 a month. Plan K covers 50% of Part A and Part B cost-sharing until the $8,000 annual out-of-pocket limit. Transamerica uses Issue Age Pricing: your rate is set at enrollment and stays fixed.
Pre-2020 Medicare enrollee eligible for Plan F: MedMutual Protect Plan F at $177 a month. Plan F is the only Medigap option that covers the Part B deductible in full. MedMutual Protect's $177 monthly rate is $187 per month below the state average.
Below are answers to common questions about Medigap coverage in Nebraska.
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G covers all Medicare out-of-pocket costs except the Part B deductible. Plan F covers the Part B deductible too, but enrollment closed to new Medicare enrollees on January 1, 2020. Plan N charges lower monthly premiums in exchange for $20 copays per doctor visit and $50 for emergency room use. For a full breakdown of how each plan compares, see MoneyGeek's guide to Medicare coverage.
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Medicare Supplement plans work with any Medicare-accepting provider in the U.S. Medicare Advantage plans are network-based but add benefits Original Medicare excludes, including dental and vision coverage in most plans.
MoneyGeek pulled Nebraska Medicare Supplement rates for 65-year-olds and 75-year-olds in June 2026 using Medicare.gov's plan browsing tool. The analysis covers all carriers offering standardized Medigap plans in Nebraska. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Nebraska Medigap companies across three categories to create a weighted score out of 5:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
