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Mutual of Omaha Medicare Supplement

Mutual of Omaha is an American insurance company with a broad portfolio ranging from life insurance and annuities to Medicare Supplement (Medigap) plans and other insurance services. Beneficiaries enrolling in Mutual of Omaha Medicare Supplement coverage are highly satisfied. Their plans remain some of the most popular supplemental insurance options on the market.

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If you’re looking for a top-rated insurance carrier, the Mutual of Omaha brand is a perfect example. You’ll not only find a mix of helpful products to help protect your finances but note the company’s stellar track record as a financially strong entity.

Known for its household discount and additional perks for policyholders, Mutual of Omaha continues to provide value to its clients in welcomed, innovative ways. Learn more about the carrier’s most popular Medicare Supplement options, the history of the company, how the brand fares financially, and how to enroll in its coverage.

Mutual of Omaha Medicare Supplemental Insurance

Mutual of Omaha Medicare Supplement plans are available in 49 of 50 states, plus Washington, D.C. When it comes to supplemental coverage, Mutual of Omaha Medicare options are consistently ranked as some of the best options nationwide.

In addition to the fantastic benefits found within each Mutual of Omaha Medigap plan, the company offers its policyholders a variety of unique benefits. Take a closer look at the many Mutual of Omaha Medicare Supplement special features available:

  • No application fees
  • Rapid issue of policies
  • Vision discounts through EyeMed
  • Mutually Well gym membership add-on option
  • Electronic delivery of temporary ID cards when needed
  • Up to 12% discounts for household coverage (varies by state)
  • The peace of mind that comes with having coverage from an A-rated primary carrier

With over 1.4 million policyholders nationwide, Mutual of Omaha Medicare Supplement plans is an excellent choice for many when searching for Medigap options. But there are different plan options available. There are even other brands within the Mutual of Omaha Medigap product options. Explore them below.

Mutual of Omaha Medicare Supplement plans are underwritten by:

  • Mutual of Omaha Life Insurance Company
  • United World Life Insurance Company
  • Omaha Insurance Company
  • United of Omaha Life Insurance Company

In addition to Medicare Supplement policies, the many brands under the Mutual of Omaha also offer life insurance policies. Together, they can help give you a stronger sense of financial protection for the expenses you can expect to deal with in your golden years.

There are plenty of different Medigap plans available, and this is a benefit to you. The truth is everyone has different needs in terms of finances and healthcare. By having other supplemental coverage options available, you can compare and contrast the benefits of each plan to choose the best choice for your needs.

Mutual of Omaha Medicare Supplement Plans for 2024

Unlike Original Medicare (Medicare Part A and Part B), Medicare Supplement plans are provided to beneficiaries from private insurance carriers, like Mutual of Omaha Medicare Supplement options. But Mutual of Omaha Medigap plans has standardized benefits, meaning benefits remain the same for each letter plan regardless of carrier.

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Out of the 12 lettered Medicare Supplement plans available to beneficiaries, Mutual of Omaha offers five Medigap plans. These include Medicare Supplement Plan A, Plan F, Plan G, High Deductible Plan G, and Plan N. Of these options, the most popular are Medigap Plans F, G, and N. Compare these three options below:

Medigap Plan F Medigap Plan G Medigap Plan N
  • Pays the full Medicare Part A deductible
  • Pays the full Medicare Part B deductible
  • Pays the full Medicare Part B 20% coinsurance
  • *Annual rate increase averages from 10% annually
  • Pays the full Medicare Part A deductible
  • Policyholder is responsible for full Medicare Part B deductible
  • Pays the full Medicare Part B 20% coinsurance
  • *Annual rate increase averages from 5-7% annually
  • Pays the full Medicare Part A deductible
  • Policyholder is responsible for full Medicare Part B deductible
  • Pays the full Medicare Part B 20% coinsurance
  • Policy holder is responsible for $20-$50 copay at doctor and hospital visits
  • *Annual rate increase averages from 3-5% each year
  • ** Policyholder is responsible for excess charges if applicable
*Annual rate increases are estimated based on average values. Rate increases are subject to change annually.
**Excess charges are only allowed in certain states and are not charged by many doctors. To know if this applies to you, speak with your provider.

Understanding the benefits and options provided among Mutual of Omaha Medicare Supplement plans is essential. If you have a plan that offers more benefits, you can expect to pay more in premiums. Therefore, you’ll want to consider the needs of both your healthcare needs and budget before enrolling.

Working with a licensed Medicare agent can help, but researching plans is a great place to start. Not only are benefits and costs important factors, but some Medicare Supplement plans also have specific guidelines defining who can enroll in them. Explore each of the three most popular Mutual of Omaha Medigap plans and discover which option works best for you.

Mutual of Omaha Medicare Supplement Plan F

Mutual of Omaha Medicare Supplement Plan F offers the most comprehensive benefits than any other option. But there are several considerations that you’re going to need to take into consideration, despite its comprehensive coverage:

  • Mutual of Omaha Medicare Supplement Plan F cost is among some of the highest available. While the cost of each plan is devised of many different variables, the amount of benefits you receive is one of the core factors.
  • No other plan compares to Mutual of Omaha Medicare Supplement Plan F coverage. This is exactly why so many beneficiaries enroll. But it’s important to understand that Plan F is only available to those eligible for Medicare benefits before January 1, 2020. Otherwise, you’ll need to enroll in another form of coverage.

When you enroll in Mutual of Omaha Medicare Supplement Plan F benefits, the following is covered for your healthcare:

  • Medicare Part B coinsurance/copays
  • Your first three pints of blood
  • Medicare Part A coinsurance/copays
  • Coinsurance for skilled nursing facility care
  • Your Medicare Part A and Part B deductibles
  • Part B excess charges when they apply
  • Foreign travel emergency benefits
  • Medicare preventive care Part B coinsurance

For those who qualify, Mutual of Omaha Medicare supplemental insurance comes in many forms, but none offers the breadth of coverage as Plan F.

Mutual of Omaha Medicare Supplement Plan G

While not the most comprehensive on the market, Mutual of Omaha Medicare Supplement Plan G is the second-most comprehensive option available. Because Plan F is unavailable to those eligible for Medicare after a certain date, Mutual of Omaha Medigap Plan G continues to grow in popularity for its great coverage options.

Mutual of Omaha Medicare Supplement Plan G coverage is comparable to Plan F, but it won’t offer coverage toward your Medicare Part B deductible. But for those not eligible for Plan F yet still wishing to enroll in the most comprehensive benefits possible, Mutual of Omaha Medigap Plan G is a viable option.

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Of course, while Mutual of Omaha Medicare Supplement Plan G benefits offers some of the most in-depth coverage available, you can expect higher premiums as a result. This is important to consider when shopping for coverage as you’ll want to take into consideration both the cost of your coverage and your healthcare when selecting a plan.

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medicare Supplement Plan N is yet another great option that is popular among beneficiaries. One of the striking qualities of the policy, also referred to as Mutual of Omaha Plan N, remains its balance of coverage and price point.

While both Plan F and Plan G offer the most comprehensive level of coverage, you’re paying more to receive it. Mutual of Omaha Plan N coverage provides fewer benefits but is also much more affordable in many cases.

Mutual of Omaha Plan N coverage offers your healthcare plenty of the same benefits found in Plan F and Plan G. However, you’re still responsible for covering your Medicare Part B deductible and Part B excess charges if they apply.

Furthermore, Mutual of Omaha Plan N covers 100% of your Part b coinsurance, minus a copayment of up to $20 depending on the doctor’s office you visit, and as much as $50 copayment for your emergency room visits, provided an inpatient admission is not necessary.

Again, the price you pay for coverage of any Medigap plan is dependent upon many different factors and should not be the only consideration when choosing healthcare coverage. You will want to consider both present and future needs for both.

Speaking with a licensed Medicare agent can help you find not only what you’re looking for but what you need in terms of benefits. The right plan is going to help you cut costs and stay protected for the healthcare services you need according to your lifestyle.

Mutual of Omaha Medicare Supplement Plan G Rate Increase History

When it comes to the annual rate increases of Medicare Supplement Plan G or any other Medicare plan, it’s essential to understand that there are many factors to consider. This includes:

  • The type of pricing used in your state. There are community-rate pricing, age-attained pricing, and issue-age pricing options available depending on where you live, and each will affect your rates.
  • Each Mutual of Omaha Medicare Supplement plan’s enrollee’s demographics will also come into play. As well as additional current and future economic conditions.

Overall, Mutual of Omaha Medicare Supplement plan rate increases fall in line with the industry averages. Healthcare costs continue to rise, meaning premium increases are expected, but Mutual of Omaha remains committed to keeping its premiums as low as possible for its policyholders.

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Pros and Cons of Mutual of Omaha Medicare Supplement Plans

Choosing a Mutual of Omaha Medicare Supplement coverage is a great way to help save on healthcare costs for Medicare beneficiaries, but there are still different factors to weigh when considering. Mutual of Omaha offers a wide variety of quality insurance products, but they may not be the best fit for everyone.

Rather than blindly signing up our clients for coverage, we believe in keeping them informed and are happy to serve you on your shopping journey. Learn more about some of the pros and cons Mutual of Omaha Medicare Supplement plans have to offer:

Pros:

  • Easy online quoting tools
  • Foreign travel emergency coverage
  • Discounts on hearing and vision services
  • Mutually Well program benefits
  • Available in 49 states
  • Large household discount

Cons:

  • Premiums can be higher depending on where you live
  • Not available in three states
  • There are a limited number of plans available
  • Mutual of Omaha’s website can be difficult to navigate

Although the health benefits of each lettered plan remain the same regardless of carrier, there are still unique perks associated with enrolling in specific carriers. Furthermore, it’s important to understand how pricing and availability may also differ among brands.

The features of Mutual of Omaha continue to make them a favorite in the industry, but if they aren’t right for your needs, don’t worry. Our team works for you rather than a specific insurance carrier and is prepared to help you match with the right benefits regardless of your coverage needs and budget.

Mutual of Omaha Medicare Supplement Plan G Reviews

No matter which Mutual of Omaha Medicare Supplement plan you choose, you’ll take peace of mind away knowing that the reviews of your provider are top-notch. Mutual of Omaha continues to build upon its impressive reputation by maintaining an A+ (Superior) by AM Best, an A+ from S&P, an A1 rating from Moody’s, and an A+ from the Better Business Bureau (BBB).

Our clients continue to enjoy Mutual of Omaha Medicare Supplement plans because they offer the benefits they need at a great rate while providing many unique features for policyholders. Based on their ratings, enrollees can enjoy knowing that even when times are tough, Mutual of Omaha is there for them with a financial strength virtually unmatched within the industry.

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FAQs About Mutual of Omaha Medicare Supplement Plans

Is Mutual of Omaha a Good Medicare Supplement?
Mutual of Omaha is a great Medicare Supplement provider for many beneficiaries. Between their high customer ratings and our relationship with the company, we trust them enough to enroll our clients through reliable products built to help your healthcare and expenses.
Does Mutual of Omaha Medicare Supplement cover dental?
While no Medicare Supplement plans include dental, bundled dental and vision plans are available separately through Mutual of Omaha. Speak to an agent about adding the benefits you need for a more personalized, complete form of coverage.
Does Mutual of Omaha Medicare Supplement cover eye exams?
Yes, Mutual of Omaha clients have access to a vision discount program called EyeMed which can help you save on eye exams, eye care, and eyewear.

How to Sign Up for Your Mutual of Omaha Medicare Supplement Plan

Enrolling in Mutual of Omaha Medigap coverage is simple with the team at MedicareFAQ. Our Client Care Team is here for you every step of the way and can help you sign up for the coverage you deserve in a seamless process.

The best part about our services is that they are entirely free. Besides enrollment, our team is also here to help you quickly and accurately compare quotes from top carriers available in your area. This allows us to ensure you’re receiving the right benefits for your healthcare and budget regardless of the carrier brand.

Give an agent a call today at the number above to enroll in Mutual of Omaha Medicare Supplement plans or compare plans now using our online rate tool!

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement Plans, Mutual of Omaha. Accessed April 2022.
    https://www.mutualofomaha.com/medicare-supplement-insurance
  2. Medicare Supplement Insurance Basics, Mutual of Omaha. Accessed April 2022.
    https://www.mutualofomaha.com/medicare-supplement-insurance/basics
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

9 thoughts on "Mutual of Omaha Medicare Supplement"

  1. I would like to know if my doctors will be in my network ? How do not know if my drs will be in my network. They are amazing and I do not want to locate new doctors!!

    1. Marcy, depending on the plan you enroll in, the carrier should have a provider lookup tool on their website. This will show you the in-network doctors in your area.

    2. Marcy, if you have a Medicare Supplement plan, almost all doctors and hospitals take them. You simply ask if they take Original Medicare. You do not need a provider lookup with Mutual of Omaha Med Supps.

  2. Am I missing something with the Mutual of Omaha Plan D Coverage. The Premium Plan D has a lower premium and seems like a lower out of pocket with my prescriptions than the Plus Plan D that has a higher premium and higher out of pocket.???

    1. Thank you for reaching out! The Mutual of Omaha Premier Part D Plan does have a lower premium. However, the difference between the plans is the complexity of the plans drug formulary and copayments. Typically on plans with higher premiums, beneficiaries are given a more extensive list of covered drugs as well as lower copayments for higher tier drugs. To ensure you are on the best drug plan, it is always best to contact a licensed agent during the Annual enrollment period as every year these formularies change.

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