Nebraska health plan · 2026

Elite Gold + Vision + Adult Dental · 13484NE0100005

Ambetter Health offers this marketplace health insurance plan (Plan ID 13484NE0100005) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Gold Plan type: EPO CSR: Standard Gold Off Exchange Plan Issuer: Ambetter Health
Telehealth Data pending HSA eligible No Dental Adult Vision Adult/Child

Issuer actuarial value: 81.74%. Expect to pay roughly 18.26% of covered costs out of pocket, based on issuer reporting.

CMS AV Calculator output: 82.58% (17.42% member share on average). Learn about AV methodology.

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$494 – $2307

Before subsidies

Estimate after subsidies

Deductible

$0

$0 per group

See deductible details

Max out-of-pocket

$6,500

$13000 per group

Review MOOP rules

Office visits

Primary care $5.00
Specialist $60.00
HSA Not eligible

Drug tiers

Generic $3.00
Preferred brand $50.00

View formulary tiers

$695 / mo before subsidies

≈ $8337 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$2554 / mo before subsidies

≈ $30642 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$3093 / mo before subsidies

≈ $37110 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1965 / mo before subsidies

≈ $23584 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

30.00%

Durable Medical Equipment

30.00%

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Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Nebraska). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Gold Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

30.00%

Durable Medical Equipment

30.00%

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 13484NE0100005
Coverage year 2026
State Nebraska
Issuer Ambetter Health
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 13484NE0100005-00
Available variants

Standard Off Exchange Plan · 13484NE0100005-00

Standard On Exchange Plan · 13484NE0100005-01

Open to Indians below 300% FPL · 13484NE0100005-02

Open to Indians above 300% FPL · 13484NE0100005-03

Last plan update Wed, 15 Oct 2025 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Nebraska 1753
PCPs in Nebraska 210
Telehealth support Data pending
Nationwide providers 6919
1,753 doctors statewide 210 PCPs 6 OB/GYN
Providers Nebraska All US states
All 1753 6919
PCP 210 740
Allergy N/A 1
OB/GYN 6 23
Dentists 50 194

Drug coverage overview

4,367 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 2,428
NON-PREFERREDGENERIC-NON-PREFERREDBRAND 1,939
Prior authorization Drugs
Required 1,016
Not Required 3,351
Step therapy Drugs
Required 77
Not Required 4,290
Quantity limits Drugs
Has Limit 1,956
No Limit 2,411

Customer highlights

What stands out for members

  • Issuer: Ambetter Health · Plan ID 13484NE0100005 · 2026 filing.
  • Disease management programs available: Asthma, Diabetes, Heart Disease, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 13484NE0100005-00 (Standard Off Exchange Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$60.00

Diabetes Education

$60.00

Home Health Care Services

30.00%

Laboratory Outpatient and Professional Services

$40.00

Mental/Behavioral Health Urgent Care

$5.00

Other Practitioner Office Visit (Nurse, Physician Assistant)

$5.00

Preventive Care/Screening/Immunization

No Charge

Primary Care Visit to Treat an Injury or Illness

$5.00

Rehabilitative Occupational and Rehabilitative Physical Therapy

$50.00

Rehabilitative Speech Therapy

$50.00

Specialist Visit

$60.00

Substance Use Disorder Urgent Care

$5.00

Urgent Care Centers or Facilities

$35.00

X-rays and Diagnostic Imaging

$75.00

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

30.00%

Delivery and All Inpatient Services for Maternity Care

30.00%

Dialysis

$200.00

Durable Medical Equipment

30.00%

Emergency Room Services

30.00%

Emergency Transportation/Ambulance

30.00%

Hospice Services

30.00%

Inpatient Hospital Services (e.g., Hospital Stay)

30.00%

Inpatient Physician and Surgical Services

30.00%

Mental/Behavioral Health Emergency Room

30.00%

Mental/Behavioral Health Emergency Transportation/Ambulance

30.00%

Mental/Behavioral Health Inpatient Services

30.00%

Mental/Behavioral Health Outpatient Other Services

$200.00

Mental/Behavioral Health Outpatient Services

$5.00

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

$200.00

Outpatient Rehabilitation Services

$50.00

Outpatient Surgery Physician/Surgical Services

$200.00

Radiation

$200.00

Skilled Nursing Facility

30.00%

Substance Abuse Disorder Inpatient Services

30.00%

Substance Abuse Disorder Outpatient Services

$5.00

Substance Use Disorder Emergency Room

30.00%

Substance Use Disorder Emergency Transportation/Ambulance

30.00%

Substance Use Disorder Outpatient Other Services

$200.00

Transplant

30.00%

Mental health & substance use

Behavioral health visits and substance use treatment.

Mental/Behavioral Health ER Physician Fee

30.00%

Substance Use Disorder ER Physician Fee

30.00%

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

Coverage details pending

Hearing Aids

30.00%

Major Dental Care - Child

Coverage details pending

Prenatal and Postnatal Care

$5.00

Routine Eye Exam for Children

No Charge

Well Baby Visits and Care

No Charge

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$3.00

Non-Preferred Brand Drugs

45.00%

Preferred Brand Drugs

$50.00

Specialty Drugs

50.00%

Tier 1b Generic Drugs

$15.00

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

$200.00

Basic Dental Care - Adult

50.00%

Dental Check-Up for Children

Coverage details pending

Infusion Therapy

$200.00

Major Dental Care - Adult

50.00%

Nutritional Counseling

$60.00

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

Coverage details pending

Prosthetic Devices

30.00%

Routine Dental Services (Adult)

No Charge

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Acupuncture

Coverage details pending

Allergy Testing

$60.00

Bariatric Surgery

Coverage details pending

Cosmetic Surgery

Coverage details pending

Eye Glasses for Children

No Charge

Habilitation Services

$50.00

Imaging (CT/PET Scans, MRIs)

$75.00

Infertility Treatment

Coverage details pending

Long-Term/Custodial Nursing Home Care

Coverage details pending

Private-Duty Nursing

Coverage details pending

Reconstructive Surgery

30.00%

Routine Eye Exam (Adult)

No Charge

Routine Foot Care

$60.00

Treatment for Temporomandibular Joint Disorders

$200.00

Variant attributes

Elite Gold + Vision + Adult Dental · Variant 13484NE0100005-00

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

Standard Gold Off Exchange Plan

HIOS Product ID

13484NE010

Metal Level

Gold

Plan ID (Standard Component ID with Variant)

13484NE0100005-00

Plan Marketing Name

Elite Gold + Vision + Adult Dental

Plan Variant Marketing Name

Elite Gold + Vision + Adult Dental

Issuer & service area

Issuer-provided metadata for this variant.

Issuer Actuarial Value

81.74%

Issuer ID

13484

Issuer Marketplace Marketing Name

Ambetter Health

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

NEN001

Out of Country Coverage

No

Out of Service Area Coverage

No

Service Area ID

NES001

State Code

NE

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

AV Calculator Output Number

0.825790642

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$2,500

SBC Scenario, Having a Baby, Copayment

$600

SBC Scenario, Having a Baby, Deductible

$0

SBC Scenario, Having Diabetes, Coinsurance

$200

SBC Scenario, Having Diabetes, Copayment

$1,100

SBC Scenario, Having Diabetes, Deductible

$0

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$600

SBC Scenario, Treatment of a Simple Fracture, Copayment

$500

SBC Scenario, Treatment of a Simple Fracture, Deductible

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

30.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$13000 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$6500 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$6,500

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

NEF004

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$20

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Diabetes, Heart Disease, Pregnancy

EHB Percent of Total Premium

0.9767

First Tier Utilization

100%

Import Date

10/15/2025

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

New

Notice Required for Pregnancy

Yes

Is a Referral Required for Specialist?

No

Plan Effective Date

1/1/2026

Plan Type

EPO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

13484NE0100005

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$0

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Individual

Not Applicable

Unique Plan Design

Yes

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Nebraska?

Elite Gold + Vision + Adult Dental (13484NE0100005) is a Gold EPO from Ambetter Health in Nebraska for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Elite Gold + Vision + Adult Dental support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Elite Gold + Vision + Adult Dental HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental add-ons: Adult.

Vision add-ons: Adult, Child.

Does Elite Gold + Vision + Adult Dental support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Elite Gold + Vision + Adult Dental?

The issuer lists disease management resources for: Asthma, Diabetes, Heart Disease, Pregnancy.

Is there out-of-country coverage for Elite Gold + Vision + Adult Dental?

No, out-of-country services are not covered for this plan.

Does Elite Gold + Vision + Adult Dental cover care outside the service area?

No, the issuer indicates out-of-service-area care is not covered except for emergencies.

How do I enroll in or manage payments for Elite Gold + Vision + Adult Dental?

Use the issuer portal https://www.ambetterhealth.com/en/ne/payments to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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