Mutual of Omaha Medicare Supplement Plans

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Mutual of Omaha is one of the oldest Medicare Supplement carriers in the nation having been founded in 1909. They offer a wide range of Medicare Supplement plans and the three most comprehensive of these plans are Plan F, Plan G and Plan N.

  • Plan F – The Medicare Supplement Plan Fis the most comprehensive Medicare Supplement Plan that you can buy. The coverage with the Plan F is amazing. With the Plan F you can keep your Doctor and go to any hospital in the Country that accepts Medicare. Medicare Supplement Plan F pays the Medicare Part A Deductible. Medicare Supplement Plan F pays the Medicare Part A per day hospital charge that starts day 90. Plan F will also pay for an additional 80 days in a Skilled Nursing Facility. Medicare Supplement Plan F pays the Medicare Part B Deductible. Medicare Supplement Plan F pays the 20% that Medicare Part B does not pay.
  • Plan G – This is the Medicare Supplement Plan that I recommend for 2020. The Medicare Supplement Plan G is the second most comprehensive Medicare Supplement plan available. The coverage with the Medicare Supplement Plan G is some of the best coverage you will ever have in your life. It’s almost exactly the same as the Plan F. The Medicare Supplement Plan G covers all of your Medicare out-of-pocket costs except for the Medicare Part B annual deductible ($185 for 2019). Once that deductible has been met, you have complete coverage just like the Plan F.
  • Plan N – The Medicare Supplement Plan N is the third most comprehensive Medicare Supplement Plan of all the Medicare Supplements. The Medicare Supplement Plan N is a great plan for anyone that wants the flexibility of a Medicare Supplement but doesn’t want to pay a high premium. Medicare Supplement Plan N is also called Medigap Plan N. The Medicare Supplement Plan N does have a few out-of-pocket costs that come with it. The Plan N is almost exactly like the Plan G in that you have to pay Medicare’s Part B annual deductible. After that deductible is met you also have up to but no more than a $20 co-pay for doctor’s visits, a $50 co-pay for ER visits and you are responsible for Part B excess charges. That is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved.

Mutual of Omaha is a great carrier. They are A+ rated with the Better Business Bureau and AM Best. Not only are they a household name but they only do business in the US. They do not outsource their customer service, all of their customer service representatives are located in Omaha, Nebraska. They have multiple underwriting carriers within their umbrella such as: United of Omaha, United World Life and Omaha Insurance Company. So, if you hear any of these companies, they are all under Mutual of Omaha. Mutual of Omaha also offers the most aggressive household Medicare Supplement discount. Most insurance carriers offer a household discount but only if both partners sign with the carrier. Mutual of Omaha’s is unique because they only require you to have someone over the age of 60 living with you for you to qualify for the discount, which is 12% in most states. Most carriers only offer 7%. This makes their rates very competitive in most states.

When shopping for a Mutual of Omaha Medicare Supplement plan, it’s important to remember that these plans are Federally regulated plans and the letter of the plan determines the coverage. The benefits for the plans are all the same and your doctors will accept them the same as long as they accept Original Medicare. The only difference is prices.

We here at Senior Healthcare Direct can help you find the best priced plan. We are licensed and appointed nationwide with not only Mutual of Omaha but over 30 of the top A rated carriers in the nation.

If you have any questions regarding Medicare Supplement carriers, Medicare Supplements or Medicare Supplement prices, please give our office a call at 1-855-368-4717 or visit one of our pages:

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