Aetna Medicare Advantage Plans Nebraska 2025

Looking for Aetna Medicare Advantage plans in Nebraska for 2025? Cut through the clutter with this straightforward guide. Discover your options, compare costs and coverage, and learn the enrollment essentials, all here to help you make an informed choice without the hassle.


Key Takeaways


  • Medicare Advantage plan costs vary, with an average monthly premium of $17.83 in Nebraska, and plans may include additional benefits like dental, vision, hearing, and prescription drug coverage, which are not typically covered by Original Medicare.


  • Choosing the right Medicare Advantage plan requires assessing personal healthcare needs, comparing plan features including network restrictions and additional benefits, and utilizing Aetna resources and tools to guide the decision-making process.

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Understanding Aetna Medicare Advantage Plans in Nebraska

Aetna is a significant player in the healthcare industry, offering a diverse selection of Medicare Advantage plans in Nebraska. These include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and HMO Point-of-Service (HMO-POS) options, catering to different healthcare preferences and requirements.

Among these, Aetna offers the Dual-Eligible Special Needs Plans (D-SNPs) designed specifically for individuals who qualify for both Medicare and Medicaid, providing a unique blend of benefits. However, it’s worth noting that the plans’ availability and features can vary significantly depending on the individual’s ZIP Code.


Understanding Aetna Medicare Advantage Plans in Nebraska

Discovering Plan Options

Aetna provides various Medicare Advantage plans in Nebraska, each boasting unique features. These include:



The HMO-POS plans offer a balance between network restriction and flexibility, allowing access to some out-of-network services. For those seeking greater flexibility in choosing healthcare providers, Aetna’s PPO plans do not necessitate referrals for specialists.


Eligibility and Enrollment

To qualify for Aetna Medicare Advantage plans in Nebraska, individuals must already be enrolled in Original Medicare Part A and Part B. Enrollment in these plans aligns with Medicare’s set enrollment periods, restricting sign-up times to specific periods in the year. However, exceptions apply for those who qualify for special enrollment periods, enabling them to enroll outside the regular times.


Dual Eligible Special Needs Plans (D-SNP)

D-SNPs serve as a boon for those eligible for both Medicare and Medicaid. These plans focus on coordinating care across both services, catering specifically to members who also receive Medicaid benefits. To enroll in Aetna’s D-SNP, individuals must have both Medicare and Medicaid and reside in a county within the states where Aetna offers these plans.

In Nebraska, Aetna provides a Medicare Advantage HMO D-SNP known as Medicare Assure Premier (HMO D-SNP), tailored for dual-eligible individuals. These plans offer additional support and Medicare resources, including the Resources For Living concierge service to assist members in finding local resources.

Navigating Coverage and Benefits

Medicare Advantage plans offer a broad range of coverage, including:


  • Services provided by hospitals
  • Services provided by doctors
  • Lab tests
  • Preventive screenings
  • Additional benefits such as dental, vision, and hearing services.


Aetna’s Medicare Advantage plans in Nebraska offer extended benefits that focus on overall health, exceeding what Original Medicare provides.


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To understand the specific coverage, limitations, or restrictions of these plans, it is advisable for individuals to review each plan’s Summary of Benefits document.


Prescription Drug Coverage

Prescription drug costs can frequently pose a financial challenge. Recognizing this, Aetna Medicare Advantage plans in Nebraska may offer Prescription Drug Coverage (Part D) as part of their benefits, providing enrollees access to a wide range of prescription medications. Aetna offers Medicare Advantage plus Prescription Drug plans that cover:


  • Hospital
  • Doctor services
  • Lab tests
  • Preventive screenings
  • Medications


For individuals with limited income and resources who are not eligible for a D-SNP, Aetna offers Medicare Advantage Prescription Drug (MAPD) plans that work with the federal Extra Help program. To ensure coverage and reduce out-of-pocket costs, checking client prescriptions against the plan’s formulary is critical.


Additional Benefits

Aetna Medicare Advantage plans provide an array of extra benefits beyond basic coverage. These plans offer the SilverSneakers fitness membership, granting access to more than 15,000 fitness facilities and a variety of fitness classes. Wellness programs within these plans organize additional social activities like ice cream socials and group walks, fostering a sense of community among members.

Dental, vision, and hearing benefits provide coverage for routine services such as exams and cleanings and may include more comprehensive services. For round-the-clock medical advice, plan members can benefit from the 24-Hour Nurse Line, which provides access to registered nurses anytime.


Network and Access

The network rules of Aetna’s Medicare Advantage plans vary. Their HMO plans require members to use network providers, except in emergencies, and often an in-network primary care provider coordinates their care. In contrast, PPO plans provide the flexibility to use either in-network or out-of-network providers, though using out-of-network providers typically incurs higher costs.

Members of Aetna’s HMO-POS plans may access healthcare providers outside of the network for specific services, but using out-of-network services for routine dental care may not require the same referrals as for medical care. As such, it’s essential to verify if preferred healthcare providers and facilities are included in Aetna’s plan network to avoid higher costs from out-of-network services.

Cost Considerations for Aetna Medicare Advantage in Nebraska

When selecting a Medicare Advantage plan, cost is a crucial consideration. In Nebraska, the average monthly premium for a Medicare Advantage plan is $17.83, offering a benchmark for comparing costs. Aetna offers a variety of plans with different premiums, some even offering a $0 premium option.


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Besides premiums and deductibles, out-of-pocket expenses to consider include copays and prescription drug costs.


Balancing Costs and Coverage

It’s essential to strike a balance between costs and coverage when selecting a Medicare Advantage plan. Plans with low or $0 monthly premiums might offer less extensive coverage or have higher out-of-pocket costs, while higher premiums generally indicate more comprehensive benefits or lower out-of-pocket expenses.

It is also important to examine the prescription drug coverage of Medicare Advantage plans to ensure the Medicare coverage plan you choose covers your medications at a cost that fits within your budget.


Understanding Higher Monthly Premiums

Several factors influence higher monthly premiums. The plan’s performance, the cost of healthcare services in the area, and the financial health of the insurer all play a role. Plans that offer more comprehensive coverage or lower out-of-pocket costs often require higher monthly premiums.

Additional benefits not typically covered by Original Medicare, such as dental, vision, and wellness programs, can also lead to higher plan premiums. Therefore, it’s crucial to weigh the pros and cons of higher-premium plans in terms of their potential to decrease out-of-pocket expenses and provide added value through extra benefits.

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Your Guide to Selecting the Best Medicare Advantage Plan

Choosing the best Medicare Advantage plan requires comprehending personal healthcare needs, contrasting plan features, and soliciting guidance and support. Each plan comes with its unique set of benefits, and the best Medicare Advantage plans for an individual are the ones that align with their healthcare requirements, preferences, and financial means.

Aetna provides several resources and tools, including an extensive website and specialists, to assist in this decision-making process.


Assessing Your Healthcare Requirements

Recognizing your healthcare needs is a critical stage in selecting a Medicare Advantage plan. This includes understanding personal medication usage, health history, and any chronic conditions. Also, consider your healthcare service preferences, such as how often you visit a doctor or specialist and your preferred choice of healthcare facilities.


Medicare plans


Identifying what you like and dislike about your current Medicare plan offers insights into what features and benefits you value, guiding the selection of a new plan. Before enrolling in any Aetna Medicare Advantage plan, it’s imperative to ensure that your healthcare providers are included in Aetna’s network to maintain continuity of care.


Comparing Plan Features

Assessing plan features aids in selecting the most appropriate Medicare Advantage plan. This includes evaluating the difference in copayments for services between plans, as frequent visits to primary care physicians and specialists can result in significant cost variances. Some Aetna Medicare Advantage plans offer perks like gym memberships and prescription mail-order delivery, which can provide added convenience and contribute to a healthier lifestyle.

It’s also important to review the detailed Evidence of Coverage document for each plan to fully understand the specific benefits, exclusions, and conditions that apply.


Seeking Support and Assistance

Aetna provides tailored assistance, online tools, and resources to aid individuals in choosing the ideal Medicare Advantage plan for their needs. Enrollment in Aetna Medicare Advantage plans can be facilitated through personalized assistance by calling specific numbers provided on the Aetna Medicare website or by requesting a paper enrollment kit.

For further support, prospective members can contact independent platforms such as HealthCompare, or reach out to the dedicated toll-free assistance number for Aetna members with disabilities seeking free aids and services.

Local Insights: Aetna Medicare Advantage Plans by County

Availability of Aetna Medicare Advantage plans differs by county. This is due to the residence of the applicants and the regional nature of the plans.

For instance, in Douglas County, Aetna provides a range of Medicare Advantage plan options, including PPO, HMO-POS, HMO, and potentially SNP plans.


County-Specific Plan Highlights

Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates and scores all Medicare Advantage plans in Nebraska using a 5-star rating system. This is part of their annual review process. While there are no 5-star Medicare Advantage plans in Nebraska for 2024, there are highly rated 4.5-star Aetna plans available.


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This rating system allows potential members to prioritize plans by evaluating the performance of different options and making an informed decision.


Finding Providers in Your Area

Locating healthcare providers in your locality is a crucial step towards leveraging the benefits of Aetna Medicare Advantage plans. Beneficiaries can use the ‘Find a Doctor’ feature on the Aetna website or through their user-friendly mobile app to locate healthcare providers in their area.

For personalized assistance in finding providers, beneficiaries can contact Aetna’s customer service, which may help locate in-network providers and offer additional plan information.


Next Steps for Prospective Members

Once you’ve assessed your options and settled on a plan, it’s time to progress to the next stage. Contact Aetna customer support at their dedicated Medicare phone line to ask specific questions about plan features and enrollment processes.

For a broad range of information about Medicare plans that can complement what Aetna provides, you can also visit or CMS’s website.


To sum it up, choosing the right Aetna Medicare Advantage plan in Nebraska involves understanding the various plans available, their cost implications, coverage benefits, and limitations.

It also requires a self-assessment of personal healthcare needs and preferences, a comparison of plan features, and seeking professional advice and assistance. With the right plan, you can ensure comprehensive healthcare coverage that caters to your unique needs.

Frequently Asked Questions



What is the difference between Aetna Medicare and Aetna Medicare Advantage?

The main difference between Aetna Medicare and Aetna Medicare Advantage is that Aetna Medicare Advantage plans are Part C plans offered by private insurance companies, such as Aetna, and they can include extra benefits not available in Original Medicare.


What types of Aetna Medicare Advantage plans are available in Nebraska?

Aetna offers a diverse range of Medicare Advantage plans in Nebraska, including HMO, PPO, HMO-POS options, and Dual-Eligible Special Needs Plans (D-SNPs). These plans cater to a variety of healthcare needs and preferences.


What additional benefits do Aetna Medicare Advantage plans offer?

In addition to standard coverage, Aetna Medicare Advantage plans offer extra benefits such as fitness memberships, wellness programs, and dental, vision, and hearing coverage. This can provide comprehensive care and support to members.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.