Mutual of Omaha Medicare Supplemental Plan N – A Great Alternative to Being Declined Coverage

Mutual of Omaha Medicare Supplement Plan N is a “Guaranteed Issue” plan. What this means is that they offer this plan on a no health questions asked basis to all who apply. This is one of the few plans offered like this, nationwide. In some states, there are special times of the year or other special circumstances that allow everyone an open enrollment period with no health questions asked.

But, generally speaking, you do have to qualify medically when you sign up for a Medicare supplement plan. In the case of Mutual of Omaha’s Plan N, though, this is not the case.

This has truly been a benefit for those who have been previously unable to get coverage. Those who have health problems ongoing or have a history of health problems generally get declined by Medicare Supplement plans, when they apply. This allows them an option, in which they will not get declined.

Plan N is a new Medicare Supplement plan – it began on June 1, 2010. It has been successful as an appealing plan to those who are losing, or leaving, Medicare Advantage plans, which have encountered significant cuts for 2011, in most areas. Plan N does have a $20 doctor’s office co-pay, as well as a $50 emergency room co-pay. Additionally, it does not cover the Medicare Part B deductible of $162/year. That said, it still covers the 20% not covered by Medicare at the hospital so that, between Medicare and your supplement plan, you have little to no cost for hospital visits, or stays.

We believe Plan N, which is offered at an even lower price point than other supplement plans, is a great alternative to those who cannot get other coverage, have been declined or are simply paying too much for an overpriced Plan F. Plan N allows significant premium savings (as much as 50-60% lower than Plan F prices) while still giving you the hospital coverage and doctor flexibility that you need from your supplement plan.

If you want a customized quote, or if we can assist in providing additional Plan N information, please let us know. You can reach us at toll-free 877.506.3378 or request a Medicare Supplement quote. Alternatively, you can visit our Mutual of Omaha Medicare Supplement page for more information about this company and their plans.