Mutual of Omaha Medicare Supplements

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Mutual of Omaha Medicare Supplements are very competitively priced in nearly every state. They offer low rates from a name and reputation you can trust. Mutual of Omaha has been in business over 100 years and is highly rated by A.M. Best, the independent organization that rates the financial stability of insurance companies. Mutual of Omaha’s Medicare supplement plans also go by the names of it’s subsidiary companies – United of Omaha, Omaha Insurance Company, and United World (depending on the state you are in).

Mutual of Omaha Medicare Supplements – What Do They Cover?

Mutual of Omaha Medicare Supplements

With all Medicare Supplement plans, the standardized Medigap coverage is provided – this includes Mutual of Omaha’s plans. There are several options to choose from, among the standardized plans (see below). To see a full chart that shows what all of the Medicare Supplement plans cover, go to: Medigap coverage chart. In considering these options, it is important to understand the differences in the plans and look at that considering your unique health and financial situation. So, of these plans, which ones does Mutual of Omaha offer?

Mutual of Omaha offers the Medigap Plan F, which is the most comprehensive supplemental plan available. It is also the most common. With this plan, there are no out of pocket co-pays, deductibles or coinsurance at the doctor or hospital. Plan F is not available if you turned 65 after 1/1/2020.
They also offer Medigap Plan G. This plan does not cover the Medicare Part B deductible (which is $198/year for 2020); that said, it does have lower premiums and is, in many cases, a better value. READ MORE: Is Plan G a Better Deal than Plan F?
Additionally, in most states, Mutual of Omaha offers the Medigap Plan N. Plan N began in June 2010, and it has been a great option for those who want lower premiums while still maintaining the flexibility and predictability of Medigap coverage.

How Do Mutual of Omaha Medicare Supplements Work?

First and foremost, it is important to understand that all Medicare Supplements work the same way. They act as secondary insurance to Medicare, filling in the “gaps” in the coverage of “traditional” Medicare – Medicare Parts A & B.medicare card

When you have a Mutual Medicare Supplement, you still use your Medicare card (red, white and blue card) and you also have a Mutual of Omaha Medicare Supplement card that you use when you go to the doctor or hospital.

Medical providers file the claims electronically to Medicare, and Medicare pays its portion, as well as coordinating claims payment from your secondary (Medicare Supplement) insurance provider. Medicare’s portion and the amount from the Medicare gets paid automatically to the medical provider through the Medicare “crossover” system. On Mutual of Omaha Medicare Supplements (or any other Medicare Supplement), you don’t have to file paper claims or be involved in the claims process except in rare/unusual instances.

Who Are Mutual of Omaha Medicare Supplements Best For?

Mutual of Omaha Medicare Supplements are best for people in these certain situations:

  • People who want predictable out of pocket expenses that don’t change from year-to-year.
  • People who want total and “full” coverage with little, or no, out of pocket expenses (Plan F or Plan G)
  • People who are losing their Advantage plan coverage or leaving or losing employer group coverage. The changes in these two marketplaces in recent years has caused many people to be looking for Medicare Supplement insurance, and Mutual of Omaha is a great option.

Mutual of Omaha Plans Sound Great, But What Is My Next Step?

Contrary to popular belief, you can sign up for a Medicare Supplement plan (any plan) any time of the year – not only at the end of the year. There are no special enrollment periods – this only applies to Medicare Part D and Medicare Advantage plans. So, if a Mutual of Omaha Medicare supplement insurance plan is a fit for you, you can sign up at any time. We recommend getting a full rate quote comparison of plans available for your age and zip code (from Mutual of Omaha and other companies), and as an independent agency, we can provide that information.

To get quotes on the plan or more information, go to Mutual of Omaha Medicare supplement quotes or you can reach us by phone toll-free at 877.506.3378.

We look forward to helping you compare plans and serving your Medicare Supplement insurance comparison needs.