What Medicare Plans Does Blue Cross Blue Shield of Nebraska Offer?

Victoria Burke by Victoria Burke | Licensed since 2011
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This article was updated on: 09/09/2018

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Are you a Nebraska beneficiary interested in exploring your Medicare coverage options? Blue Cross Blue Shield Nebraska offers Medicare Advantage plans, Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans in the state of Nebraska. Blue Cross Blue Shield of Nebraska might not offer all plan types in all areas of the state, and plan benefits and premiums may vary.

Whether you are looking for Medicare Advantage plans, prescription drug coverage under the Medicare Part D program or Medicare Supplement insurance, here are some of the plans you may be eligible for in your area.

Does Blue Cross Blue Shield of Nebraska offer Medicare Advantage plans?

The Medicare Advantage program offers you an alternative way to get your benefits under Original Medicare (Part A and Part B).These plans offer the same level of coverage as Original Medicare except for hospice care, which is still covered under Part A.

One benefit of Medicare Advantage is that these plans often cover benefits that Original Medicare doesn’t cover, such as wellness programs, routine vision or hearing services. In addition, many Blue Cross Blue Shield of Nebraska Medicare Advantage plans include prescription drug coverage (also known as Medicare Advantage Prescription Drug plans), and some may be available to you at no additional monthly premium. However, keep in mind that even if a Medicare Advantage plan with a $0 premium is available in your service area, you’ll still be responsible for paying your Part B premium, and you may have other costs with your plan (such as copayments, coinsurance, or deductibles).

Blue Cross Blue Shield of Nebraska may offer the following types of Medicare Advantage plans, depending on where you live:

  • Blue Cross Blue Shield NebraskaHealth Maintenance Organization (HMO), also called Medicare Advantage Core: These plans require you to choose a primary care provider and get your care in-network, with the exception of medically necessary urgent or emergency care. These plans include prescription drug coverage, and, depending on the rules of the plan, you may be eligible for extra savings if you use preferred pharmacy providers. You may be responsible for copayments, deductibles, and/or coinsurance amounts with certain services.
  • Blue Cross Blue Shield Nebraska Health Maintenance Organization Point of Service (HMO-POS), also called Medicare Advantage Choice: These plans work a lot like HMO plans but allow you to see doctors outside your network in some cases. They may also include coverage for prescription drugs. These plans also may require you to pay a copayment, deductible, or coinsurance amount when you access care.

As mentioned, both Blue Cross Blue Shield of Nebraska HMO plans and HMO-POS plans include prescription drug coverage. If this is a benefit you’re interested in, you might want to select a plan that covers your prescriptions. You’ll need to keep paying your Part B premium, in addition to any premium required by your Medicare Advantage plan.

Does Blue Cross Blue Shield of Nebraska offer stand-alone Medicare Part D Prescription Drug Plans?

Medicare Prescription Drug Plans provide stand-alone Part D coverage if you’re enrolled in Original Medicare, Part A and Part B. These plans may come with different copayments, coinsurance, deductibles, and premium amounts. Blue Cross Blue Shield of NC Nebraska calls its Medicare Prescription Drug Plans “MedicareBlue Solutions.”

Medicare plans that include prescription drug coverage use a formulary, which is a list of covered medications and the terms of coverage available for each (such as the copayment and coinsurance costs that you’ll be responsible for). Plans may change their formularies at any time, but you will be notified in writing before any changes take effect.

You may want to get Medicare Part D prescription drug coverage as soon as you are eligible (either through a stand-alone Medicare Prescription Drug Plan or through your Medicare Advantage plan) to avoid any potential late-enrollment penalty being added to your monthly premium. These penalties may apply for as long as you have Part D coverage, and you may owe a late-enrollment penalty if you go without Part D after you’re first eligible and don’t have creditable prescription drug coverage (insurance that is as good as the Part D benefit) for 63 days in a row or more.

Are there Medicare Supplement (Medigap) plans available with Blue Cross Blue Shield of Nebraska?

Medicare Supplement (Medigap) plans may help pay for some of your out-of-pocket costs under Medicare Part A and Part B, including cost-sharing expenses and limited emergency overseas travel coverage. Plan benefits are standardized across 10 plan types (labeled letters A through N), and each plan includes different benefits and level of coverage. In 47 states, including Nebraska, Medigap plans offer the same standardized benefits for plans of the same letter type. Medicare Supplement plans that may be available from Blue Cross Blue Shield of Nebraska are Plan A, Plan B, Plan C, Plan F, Plan G, and Plan L.

Medicare Supplement plans can only be used to help with Medicare Part A and Part B costs, and you’ll need to stay enrolled in Part A and Part B for your hospital and medical coverage. In addition, keep in mind that prescription drug coverage generally isn’t included in these plans, so if you want help with your medication costs, you should enroll in a stand-alone Medicare Prescription Drug Plan. If you decide not to buy a Medicare Supplement plan, you can enroll in a Medicare Advantage plan with prescription drug coverage.

Specific plan types and premium amounts may vary depending on where you live in the state.

Ready to learn more about your Medicare coverage choices? Just click on the Find Plans button to view a customized list of plan options in your service area.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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