Mutual of Omaha Medicare Supplement Plan Review in 2025
Key Findings
- Mutual of Omaha offers substantial discount opportunities, including a household discount of up to 12 percent, which is significantly more generous than competitors like Cigna (7 percent) and Aetna (7 percent).
- Mutual of Omaha’s complaint rate is below the industry average, according to National Association of Insurance Commissioners data, indicating exceptional customer satisfaction.
- When examining plan availability, we discovered Mutual of Omaha offers fewer plan options (typically only Plans A, G, and N for new Medicare enrollees) compared to competitors like Humana, which offers up to eight different plans.
- Our analysis revealed that Mutual of Omaha’s premiums are typically higher than the lowest-cost options on the market. Still, their substantial discounts can significantly reduce this price difference for eligible applicants.
- Mutual of Omaha’s Wellness program offers gym memberships and wellness discounts not included in standard Medicare Supplement coverage, enhancing the overall value.
Mutual of Omaha has been a stalwart in the Medicare market since Medicare’s inception, establishing themselves as one of the most trusted names in Medicare Supplement Insurance. This Nebraska-based insurance company founded in 1909 has built a reputation for financial stability and customer satisfaction that few in the industry can match.
Our team spent over 50 hours researching Mutual of Omaha’s Medigap plans and speaking with customer service representatives to comprehensively understand what they offer. Throughout our investigation, we found that Mutual of Omaha particularly excels in customer satisfaction, with significantly fewer complaints than the industry average. Their generous household discount of up to 12 percent also stands out in a market where most competitors offer 5 percent to 7 percent discounts on household items.
However, the carrier has some limitations. Mutual of Omaha offers a more restricted selection of plans than some competitors, which may disappoint those seeking specific coverage options. Also, their premiums generally run higher than others, although their substantial discounts can offset this.
Read on as we break down everything you need to know about Mutual of Omaha’s Medicare Supplement plans and why they’ve earned a spot on our list of the best Medigap carriers.
Mutual of Omaha Medicare Supplement Pros and Cons
Pros
- Exceptionally low complaint rates: Mutual of Omaha’s Medicare Supplement complaint rate is approximately 46 percent below the industry average, indicating superior customer satisfaction compared to most competitors.
- Generous household discount: When comparing discount structures across major Medigap providers, we found Mutual of Omaha’s household discount of up to 12 percent significantly exceeds the industry standard.
- Strong financial stability: Mutual of Omaha’s long-standing history and excellent financial ratings help reassure long-term policy stability.
- Additional enrollment discount: Mutual of Omaha offers a 5 percent discount for online applications, creating a potential combined discount of up to 17 percent when paired with their household discount.
- Wellness discount program: Mutual of Omaha’s Mutually Well program offers members access to discounted gym memberships and wellness products, adding value beyond standard Medigap coverage.
Cons
- Limited plan selection: Mutual of Omaha typically offers only Plans A, G, and N to new Medicare enrollees in most states, significantly fewer than competitors like Humana and UnitedHealthcare, which offer more comprehensive plan options.
- Higher premium costs: Mutual of Omaha’s base premiums are generally higher than the lowest-cost alternatives. However, this gap narrows considerably after applying their generous discounts.
- Slightly below-average spending on care: Our research of company financials showed that Mutual of Omaha spends approximately 82.3 percent of premium dollars on member benefits, still well above the legally required minimum but below the industry average of 83.9 percent.
- Limited availability in certain states: Mutual of Omaha does not offer Medigap plans in Massachusetts, restricting options for seniors in that state.
Did You Know? According to a recent study by the Kaiser Family Foundation, about 23 percent of Medicare beneficiaries have a Medicare Supplement Insurance policy to help cover out-of-pocket costs.
Overview of Mutual of Omaha's Medigap Plans
Mutual of Omaha provides three standardized Medigap plans for most new Medicare beneficiaries: A, G (including High-Deductible G), and N. We also found that Plan F and High-Deductible Plan F are available to beneficiaries eligible for Medicare before 2020. Here’s a look at what those coverages include:
| Benefits | A | F and High-Deductible F** | G and High-Deductible G | N |
|---|---|---|---|---|
| Medicare Part A deductible | No | Yes | Yes | Yes |
| Medicare Part A coinsurance and coverage for hospital benefits | Yes | Yes | Yes | Yes |
| Skilled nursing facility care coinsurance | No | Yes | Yes | Yes |
| Hospice care coinsurance or copayment | Yes | Yes | Yes | Yes |
| First 3 pints of blood | Yes | Yes | Yes | Yes |
| Medicare Part B deductible | No | Yes | No | No |
| Medicare Part B coinsurance or copayment | Yes | Yes | Yes | Yes (copays apply)* |
| Medicare Part B excess charges | No | Yes | Yes | No |
| Foreign travel emergency (up to plan limits) | No | Yes | Yes | Yes |
| Additional programs and savings offered by Mutual of Omaha | Yes | Yes | Yes | Yes |
*Plan N covers 100 percent of the Part B coinsurance, excluding a copayment of up to $20 for some office visits and a $50 copayment for emergency room visits that don’t result in an in-patient admission.
** Plan F is not available to those who became eligible for Medicare on or after January 1, 2020.
When comparing Medigap plans, remember that all Medigap policies are standardized. This means policies with the same letter offer identical basic benefits, no matter which insurance company you choose. There are 10 different types of Medigap policies offered in most states (A-D, F, G, and K-N), though Mutual of Omaha offers only four of them.
To learn more about how Medigap policies generally work, read our comprehensive guide to Medicare Supplement Insurance.
FYI: In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized differently, and Mutual of Omaha offers plans that comply with these states’ unique requirements (except in Massachusetts, where they don’t operate).
Finding the Right Mutual of Omaha Medigap Plan for Your Needs
Our analysis shows that Mutual of Omaha’s three main Medigap plans (A, G, and N) for new Medicare enrollees provide options for different health care needs and budgets. While this selection is more limited than some competitors, such as Anthem Blue Cross Blue Shield, each available option serves specific purposes. Let’s explore which of Mutual of Omaha’s plans might best suit different health care needs and preferences.
Basic Coverage for Essential Protection
Our research shows that Plan A provides the most basic and typically least expensive option in Mutual of Omaha’s lineup. It covers the basics, including Part B coinsurance and some hospital costs. This plan leaves you responsible for both Part A and Part B deductibles, but we find that it provides essential protection against potentially high coinsurance costs for hospital and medical services.
Our Recommendation: : We recommend Mutual of Omaha’s Plan A coverage for beneficiaries who are generally healthy and have limited health care needs, or who are on a tight budget but still want protection against significant health care expenses.
Comprehensive Coverage at a Reasonable Price
Our comparative analysis of coverage versus cost revealed that Mutual of Omaha’s Plan G represents an excellent value for many beneficiaries. This plan provides comprehensive coverage missing only the Part B deductible ($257 in 2025) while typically offering more affordable premiums than Plan F. Plan G covers Part B coinsurance, excess charges, and foreign travel emergencies, making it a robust option for those who want affordable but nearly complete coverage.
Mutual of Omaha’s customer service representatives confirmed to us that Plan G is their most popular option among new Medicare enrollees, particularly for those who anticipate regular health care needs or want peace of mind knowing most expenses will be covered.
High-Deductible Options for Lower Premiums
High-Deductible Plan G offers identical coverage to standard Plan G but with significantly reduced monthly premiums. Our analysis shows this option requires you to cover more costs initially through a higher yearly deductible ($2,870 in 2025), making it potentially suitable for those who anticipate fewer medical expenses but want comprehensive protection against significant costs.
This high-deductible option can be especially valuable for seniors who generally maintain good health but want backup coverage for unexpected situations. During our conversations with Mutual of Omaha representatives, they noted that this plan has gained popularity among budget-conscious beneficiaries with sufficient savings to handle the deductible if needed.
Balanced Coverage with Cost-Sharing
We found that Plan N presents an effective middle ground between Plan A and Plan G. It features lower monthly premiums than Plan G in exchange for some predictable out-of-pocket expenses. You’ll pay up to $20 for certain office visits and up to $50 for emergency room visits that don’t result in hospital admission. You’ll also be responsible for any excess charges (when providers bill above Medicare-approved amounts).
Plan N often provides the best balance of monthly premium costs and coverage for seniors who visit doctors occasionally but not frequently. When customer service representatives discussed this plan, they highlighted its popularity among beneficiaries who want substantial coverage but are willing to pay small copayments for routine care to achieve lower premiums.
Expert Insight: Mutual of Omaha notably doesn’t offer Plan D coverage, which provides prescription drug coverage. If that’s something you need, take a look at our list of the best Medigap Plan D providers.
International Coverage for Frequent Travelers
Mutual of Omaha’s Plans G, N, and F (for eligible beneficiaries) include foreign travel emergency benefits. This coverage applies to medically necessary emergency care outside the United States during the first 60 days of each trip. Based on our analysis of plan documents, these plans pay 80 percent of emergency care costs after you meet a $250 yearly deductible, up to a $50,000 lifetime maximum.
Understanding Mutual of Omaha Medigap Plan Costs
Our analysis of Mutual of Omaha’s Medicare Supplement pricing reveals several important factors that could influence your premium. It can vary significantly depending on your geographic location, age, gender, and the specific plan you select.
Quick Tip: When comparing Medigap providers and speaking with Medicare specialists, we discovered that premium differences represent the primary distinction between companies offering the same standardized plans. This emphasizes the importance of comparison shopping and considering additional value factors beyond the monthly premium.
Mutual of Omaha’s discount structure offers an impressive household premium discount of up to 12 percent, which is substantially higher than industry norms. This discount applies when you live with a spouse, domestic partner, or other adult. For comparison, our research of competitors revealed that both Cigna and Aetna offer a 7 percent household discount. Additionally, Mutual of Omaha provides a 5 percent discount for online applications, creating potential combined savings of up to 17 percent.
Based on quotes we gathered during our research, here’s an example of Mutual of Omaha’s pricing structure for a 65-year-old male in Los Angeles:
| Plan | Approximate Premium Range* |
|---|---|
| A | $130-$140 |
| G | $175-$220 |
| G High Deductible | $50-$60 |
| N | $120-$155 |
*Premium ranges shown before any applicable discounts
That being said, Mutual of Omaha’s premiums tend to be somewhat higher than those of their lowest-priced competitors. For example, when comparing Plans G and N across multiple markets, we found Mutual of Omaha’s premiums were approximately 23 percent to 31 percent higher than the lowest available options on Medicare.gov. However, after applying their household and online enrollment discounts, this difference narrowed considerably for eligible applicants.
Quick Tip: We found that Mutual of Omaha often uses an “attained-age” pricing method, meaning premiums increase as you age. Be sure to ask about their specific pricing methodology in your area, as this affects how your premiums will change over time.
Enrolling in a Mutual of Omaha Medicare Supplement Plan
We found Mutual of Omaha’s enrollment process noteworthy. We’ve confirmed that Mutual of Omaha offers an additional 5 percent premium discount for online applications, creating a financial incentive to complete the process digitally. This online discount, combined with their generous household discount, can reduce premiums by up to 17 percent for eligible applicants.
We also found that Mutual of Omaha provides telephone assistance through dedicated agents who are available during extended business hours. While some competitors like Anthem Blue Cross Blue Shield offer in-person agent consultations, Mutual of Omaha’s online application process is particularly user-friendly, making digital enrollment straightforward even for less tech-savvy seniors.
Here’s a streamlined guide to applying for Mutual of Omaha Medicare Supplement coverage:
- Begin by visiting Mutual of Omaha’s Medicare Supplement website. Their digital platform requires you to enter your ZIP code first to determine available plans in your area, followed by basic demographic information.
- After you input your information, the system will display eligible plans for your location. We recommend carefully reviewing each option’s coverage details and premium costs.
- Before proceeding further, we suggest having your Medicare card readily available. We had to provide specific Medicare effective dates to continue.
- The application continues with health questions that determine eligibility and appropriate rate classification. These questions appeared comprehensive while remaining navigable.
- After that, you can complete the application online. We found the payment options flexible because you can pay through automatic bank drafts or direct billing with monthly, quarterly, semiannual, or annual options.
Additional Tip: While exploring the available plans for your location (step two), we recommend checking alternatives from other companies, since Mutual of Omaha offers only three of the 10 standardized Medigap plans for new enrollees. That way, you can see if there are other options better suited for your needs.
Comparing Mutual of Omaha to Other Medigap Providers
When evaluating Mutual of Omaha against major competitors, we discovered several vital distinctions that might influence your choice.
Mutual of Omaha and UnitedHealthcare: Comparing Industry Leaders
We identified several key differences between Mutual of Omaha and UnitedHealthcare. UnitedHealthcare’s AARP Medicare Supplement plans offer slightly more plan options than Mutual of Omaha, with additional standardized plans available in many markets. Both companies maintain strong customer satisfaction records, although Mutual of Omaha’s complaint ratio is notably lower.
For price-conscious consumers, UnitedHealthcare’s AARP plans often feature lower base premiums, but Mutual of Omaha’s generous household discount (up to 12 percent versus UnitedHealthcare’s typical 5 percent to 7 percent) can reduce or eliminate this difference for eligible applicants. For a detailed analysis of this alternative, see our complete UnitedHealthcare Medigap review.
Mutual of Omaha versus Humana: Service Area and Plan Variety
Humana differentiates their Medicare Supplement offerings through broader geographic coverage and a more extensive plan selection. We found that Mutual of Omaha doesn’t offer coverage in Massachusetts, but Humana provides coverage options nationwide.
More significantly, our examination of plan availability revealed that Humana offers up to eight different Medigap plans, depending on your location, which is substantially more than Mutual of Omaha’s limited lineup. On the other hand, Mutual of Omaha’s 12 percent household discount outpaces Humana’s typical discounts of 5 percent to 7 percent.
As for supplemental benefits, we discovered Humana includes SilverSneakers fitness membership at no additional cost, while Mutual of Omaha’s Mutually Well program requires a separate fee. For a comprehensive evaluation, check our Humana Medigap review.
Mutual of Omaha Compared to Aetna: Premium Stability and Customer Service
In our analysis of these two major insurers, we found notable differences in pricing structure and customer satisfaction metrics. Mutual of Omaha has an exceptional record, with complaints below the industry average, significantly outperforming Aetna in this crucial metric.
Mutual of Omaha’s 12 percent household discount is also more generous than Aetna’s maximum 7 percent discount. Both companies are positioned similarly in terms of base pricing — above market minimums but competitive when discounts apply.
One distinction we found concerns plan accessibility: Aetna’s Medicare Supplement options aren’t available in several states, while Mutual of Omaha serves all states except Massachusetts. For an in-depth examination of this alternative, review our Aetna Medigap review.
Additional Benefits
Our investigation into Mutual of Omaha’s supplemental offerings uncovered several distinguishing features. These extras don’t alter the fundamental Medigap coverage, but they may enhance the overall value for members.
Wellness Discount Program
Mutual of Omaha’s Mutually Well program provides members with access to discounted rates on various wellness services. Participants can save on gym memberships, wellness products, and services, as well as an app for planning and tracking fitness activities.
We found Mutual of Omaha’s wellness benefits comparable to those from other major insurers, although not as extensive as those of some competitors. For example, unlike UnitedHealthcare’s inclusion of SilverSneakers at no additional cost, Mutual of Omaha’s Mutually Well program typically requires a separate membership fee.
Quick Tip: Mutually Well program’s availability varies by location. Before enrolling, confirm whether this benefit is available in your area and what specific discounts apply to services you will likely use.
Vision and Hearing Discounts
We’ve also identified discounts on hearing aids, vision exams, and eyewear from certain providers. These could generate meaningful savings for members who regularly use these services, as traditional Medicare provides limited coverage for vision and hearing care.
Most major Medigap providers offer similar discounts, making this a standard rather than a distinguishing feature. However, for seniors with ongoing vision or hearing needs, these discounts can represent valuable supplementary benefits beyond the core Medigap coverage.
Evaluating Mutual of Omaha's Customer Service Experience
In our experience, Mutual of Omaha has exceptional customer satisfaction metrics and multiple contact channels. Data from the National Association of Insurance Commissioners shows that Mutual of Omaha’s Medicare Supplement plans generate remarkably fewer customer complaints relative to their market share. This finding suggests superior performance in claims processing, billing accuracy, and policy administration compared to most competitors.
Mutual of Omaha Medicare Supplement members can access assistance through several methods:
- Telephone support via dedicated numbers (specific to each member’s plan)
- Digital account management through Mutual of Omaha’s online portal
- Electronic communication through secure messaging channels
- Paper correspondence via postal mail
Mutual of Omaha’s telephone support hours are standard for the industry. While some competitors offer extended evening and weekend availability, Mutual of Omaha’s customer support quality — as evidenced by their exceptionally low complaint rates — more than compensates for this limitation.
Mutual of Omaha Medicare Supplement Service Area
Mutual of Omaha offers Medicare Supplement Insurance plans in Washington, D.C., and every state except Massachusetts. This puts Mutual of Omaha slightly behind companies like Humana and UnitedHealthcare, which offer plans in all 50 states.
Our research found that Mutual of Omaha covers more than 1.3 million Medigap beneficiaries, with a market share of approximately 9.3 percent. This positions them as one of the most prominent players in the Medicare Supplement market, although still smaller than industry leader UnitedHealthcare’s AARP-branded plans.
For residents of Massachusetts, the absence of Mutual of Omaha as an option means looking to alternative providers. If you’re considering switching Medigap plans or carriers and live in Massachusetts, you must explore other companies serving your state.
Assessing Mutual of Omaha's Financial Stability
Since Medigap plans represent a long-term financial relationship, our research team prioritized evaluating Mutual of Omaha’s ability to reliably meet future claim obligations.
Our examination of corporate financial indicators identified several key insights:
- Corporate History and Experience: Our research confirmed Mutual of Omaha’s extensive experience in the Medicare market, dating back to Medicare’s inception in 1965 and demonstrating unparalleled longevity and stability.
- Medical Loss Ratio Performance: During our investigation of regulatory filings, we discovered that Mutual of Omaha directs approximately 82.3 percent of Medigap premium dollars toward member benefits. While slightly below the industry average of 83.9 percent, this ratio remains well above the legally required minimum of 60 percent.
- Market Position: Our analysis confirmed that Mutual of Omaha maintains a significant 9.3 percent share of the Medicare Supplement market, serving over 1.3 million beneficiaries, indicating robust operations and reduced vulnerability to market pressures.
Overall, we found that Mutual of Omaha’s century-plus history, combined with their strong market position, provides compelling evidence of long-term stability. This historical performance record guarantees the company will remain financially capable of fulfilling policy obligations throughout your coverage period.
Methodology
To evaluate Mutual of Omaha’s Medicare Supplement Insurance, our research team employed a comprehensive methodology focusing on plan analysis, cost comparisons, benefits evaluation, and customer experience assessment:
- Plan Availability Analysis: We analyzed which of the standardized Medigap plans Mutual of Omaha offers across different states, comparing their selection to industry norms and competitors’ offerings.
- Premium Cost Evaluation: We gathered premium data from multiple geographical regions to compare Mutual of Omaha’s pricing against the lowest available alternatives in each market. We calculated percentage differences to quantify their competitive position.
- Discount Structure Analysis: We researched all available discounts, including household and online enrollment savings, to calculate potential maximum savings for various applicant profiles.
- Complaint Data Assessment: We examined complaint data from the National Association of Insurance Commissioners, calculating Mutual of Omaha’s complaint ratio relative to market share and comparing it to industry averages.
- Additional Benefits Comparison: We evaluated Mutual of Omaha’s supplemental offerings, including the Mutually Well program and vision/hearing discounts, comparing their accessibility and value to similar programs from competitors.
- Customer Service Evaluation: We assessed service availability across multiple channels, including phone support, online portal capabilities, and communication options, comparing against industry standards.
- Market Position Research: We analyzed Mutual of Omaha’s market share, geographical coverage, and financial indicators to determine their position and stability in the Medicare Supplement Insurance market.
We weighted factors based on their importance to Medicare beneficiaries, with coverage comprehensiveness, cost, customer satisfaction metrics, and financial stability receiving the highest priority in our final assessment.
Final Thoughts on Mutual of Omaha
After thoroughly researching Mutual of Omaha’s Medicare Supplement Insurance plans, we found that they offer exceptionally reliable coverage with outstanding customer satisfaction metrics. Their most distinctive strengths include a remarkably low complaint rate, generous discount opportunities that can reduce premiums by up to 17 percent for eligible applicants, and a century-plus history of financial stability that provides reassurance for long-term coverage needs.
Mutual of Omaha’s primary limitations include a restricted selection of only three plan types for new Medicare enrollees (compared to as many as eight from some competitors), somewhat higher base premiums before discounts, and unavailability in Massachusetts. These factors may make Mutual of Omaha less appealing for consumers seeking the broadest range of plan options or those residing in excluded states.
Mutual of Omaha represents an excellent choice for Medicare beneficiaries who prioritize customer service excellence, financial stability, and substantial discount opportunities. While those seeking the absolute lowest premiums or the widest selection of plan options may want to compare alternatives, Mutual of Omaha’s exceptional customer satisfaction record and generous discounts make the insurer a compelling option worthy of serious consideration.
For more information about Medicare Supplement Insurance options and to compare multiple providers, visit our guide to the best Medigap companies.
Frequently Asked Questions
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Which Medicare Supplement plans does Mutual of Omaha offer?
Mutual of Omaha offers three standardized Medicare Supplement plans for new Medicare enrollees: Plan A (basic coverage), Plan G (comprehensive coverage except for the Part B deductible), and Plan N (similar to Plan G but with certain copays). They also offer High-Deductible Plan G. For beneficiaries who were eligible for Medicare before 2020, Mutual of Omaha additionally offers Plan F and High-Deductible Plan F. Our research found this selection more limited than competitors offering up to eight different plan types.
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Does Mutual of Omaha offer High-Deductible Plan G?
Yes, we’ve confirmed that Mutual of Omaha offers High-Deductible Plan G. This plan provides the same comprehensive coverage as standard Plan G but with a significantly lower monthly premium. The trade-off is that you must pay a higher deductible ($2,870 in 2025) before coverage begins. Based on quotes we obtained during our research, High-Deductible Plan G typically costs $50 to $60 per month before discounts, making it an affordable option for those willing to accept higher initial out-of-pocket costs.
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How does Mutual of Omaha's pricing compare to other Medigap providers?
Our analysis of pricing data across multiple metropolitan areas found that Mutual of Omaha’s base premiums were generally 23 percent to 31 percent higher than the lowest-cost alternatives in the market. Mutual of Omaha offers exceptional discount opportunities of up to 17 percent (combining their 12 percent household discount and 5 percent online enrollment discount), which can significantly reduce these premiums for qualifying applicants. After applying these discounts, the price difference narrows considerably, making them competitive for eligible enrollees.
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What discounts does Mutual of Omaha offer on Medicare Supplement plans?
Mutual of Omaha offers several valuable discount opportunities that can collectively save members up to 17 percent on premiums. These include a household discount of up to 12 percent for those who live with a spouse, domestic partner, or other adult (in some states requiring that the other household member already has or is applying for a Mutual of Omaha Medigap policy), plus a 5 percent discount for online application. These discounts are particularly generous compared to industry standards, with most competitors offering household discounts of only 5 percent to 7 percent.
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Is Mutual of Omaha a good choice for Medicare Supplement Insurance?
Mutual of Omaha is an excellent choice for Medicare Supplement Insurance, particularly for those who value exceptional customer service (as evidenced by low complaint rates, financial stability, and substantial discount opportunities). Their century-plus history and extensive experience with Medicare provide reassurance of reliability and expertise. However, they may not be ideal for everyone. Their limited plan selection (only three of the 10 standardized Medigap plans for new enrollees) and absence from Massachusetts are essential considerations. We recommend comparing Mutual of Omaha’s specific offerings in your area with those of other providers before deciding.
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Can I switch to Mutual of Omaha from another Medigap carrier?
Yes, you can switch to Mutual of Omaha from another Medigap carrier, but important considerations apply. Outside your initial Medigap Open Enrollment Period (the six months starting when you’re 65 or older and enrolled in Medicare Part B) or without a guaranteed issue right, Mutual of Omaha can use medical underwriting to determine whether to accept your application and what premium to charge. Our research found that Mutual of Omaha’s underwriting process is similar to industry standards, which includes reviewing your health history to assess risk. If you’re considering switching, compare Medigap costs and coverage carefully before changing.
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Does Mutual of Omaha offer Medigap plans with prescription drug coverage?
No, like all Medicare Supplement plans, Mutual of Omaha’s Medigap policies do not include prescription drug coverage. If you need prescription coverage, you’ll need to enroll separately in a Medicare Part D plan. This is standard across the industry, as no Medigap plans include prescription benefits. When enrolling in a Mutual of Omaha Medicare Supplement plan, we recommend simultaneously evaluating Part D options to ensure comprehensive coverage for both medical services and medications.
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How does Mutual of Omaha compare to Medicare Advantage plans?
Mutual of Omaha’s Medicare Supplement plans differ fundamentally from Medicare Advantage plans. Medigap policies like those offered by Mutual of Omaha work alongside Original Medicare, covering deductibles, copayments, and coinsurance. They typically offer more provider choices with no networks, more predictable costs, and no referral requirements. However, they generally have higher monthly premiums and don’t include prescription drug, dental, or vision coverage. Medicare Advantage plans replace Original Medicare, often including prescription coverage and extra benefits like dental and vision, but usually restrict you to provider networks and may require referrals to see specialists.
