Mutual of Omaha Medicare Supplement Plans

The Mutual of Omaha Medicare Supplement insurance company has been around for quite some time. They were chosen to administer Medicare Part A and Medicare Part B at Medicare's inception back in 1966, and thus they were among the first Medicare Supplement insurance companies to offer any Medicare Supplement plans. They have retained their reputation for competitive rates, great plan options, and good customer service regarding healthcare.

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What Medicare Supplement Insurance Plans Does Mutual of Omaha Offer?

Mutual of Omaha Medicare Supplement Plan G

Mutual of Omaha Plan G will pay for everything that Medicare Supplement Plan F benefits will pay for  yearly deductible amount for Part B; this is the main reason the monthly premium is lower on Mutual of Medigap Plan G. The annual deductible for Part B services has is $233.00.

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medigap Plan N is a budget-friendly solution with benefits that will still help you keep most medical costs from getting under control. It doesn't pay for the annual deductible for Part B or for charges higher than the amount that Medicare coverage allows. The most significant difference with Medicare Supplement Plan G or F is that Mutual of Omaha Medicare Plan N requires a $20 copay for doctor's visits, and trips to the emergency room have a $50 copay that isn't followed by hospital admission.

Mutual of Omaha High-Deductible Plan G

  • Pays the same benefits as a Plan G once the annual plan deductible is met – 2022 yearly deductible is $2,490.
  • Does not cover the Part B deductible amount – 2023 Part B deductible is $226.00.
  • Part B deductible counts toward the annual deductible amount.

Mutual of Omaha Medicare Supplement Plan F

Of all Medigap policies, Mutual of Omaha Medigap Plan F has proven the most popular in the past. It's the most robust insurance policy, so owners shouldn't have to worry about out-of-pocket expenses, Part B excess charges, or skilled nursing facility care; however, it's also almost always the most expensive because of the richer benefits.

You can save on out-of-pocket costs with Mutual of Omaha Plan F in these ways:

  • Part A hospital coinsurance
  • The hospital costs up to 365 days after benefits through Original Medicare are exhausted.
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Outpatient Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care
  • NOTE: Medigap plans do not cover prescription drugs. You will need a separate Medicare Part D prescription drug plan.

How much do Mutual of Omaha Medicare Supplement plans cost?

Three different calculation methods are used to determine your Medicare Supplement plan premiums.

  • Community-rated – All customers are charged the same rate with a community-rated plan.
  • Issue age – If your insurance company used this method of calculating rates, your rates would be based on your age when you first signed up for your plan. You do not have to worry about your monthly premium increase as you age.
  • Attained age – With this method, your rate is based on the period you are at, and the time you pay your premium. So as you age, your rates will go up.

Here are the prices for a 65-year-old non-smoking female living in 79753, Texas.

65-Year-Old Female Non-smoking

Plan F $136.06 - $175.59

Plan G $99.24 - $119.56

Plan N $77.19 - $102.32

When can I Enroll in a Medicare Supplement Plan?

For many people, the best time to enroll in Medicare Supplemental insurance is right when they first get Medicare Part A and B. Typically; this is the month that they will turn 65 years old, though some people might delay their Part B because they still have health insurance from work or another source.

At the time of first enrollment, Medicare gives you a Guaranteed Enrollment Period. Therefore, you can get accepted for a Medicare Supplement plan at this time without having to provide the answers to any health questions on your application. You may also qualify for guaranteed acceptance at other times because you've lost your plan, moved away from the service area, and for various other reasons.

You are still welcome to apply for Mutual of Omaha Medicare Supplement plans outside these Guaranteed Enrollment Periods. You may get accepted at a standard or preferred rate if you're relatively healthy. However, if you have more serious medical issues, you may get offered a higher price or even be turned down. If you think you'd like to switch to a Mutual of Omaha Medigap plan, you can always discuss your specific questions confidentially with one of our licensed agents.

Key Takeaways

  • Mutual of Omaha Medicare Plan F and Plan G: You can see that the price difference between Plan F and N could range from about $40 to $50 a month.
  • MOO offers household discounts for specific individuals.
  • AM Best: A+ Rating.
  • Mutual of Omaha Medigap Plan G and N: Price differences average around $30 a month. That would certainly make up for one $20 copay at the doctor's every month.
  • You enjoy total freedom from HMO or PPO network rules and can usually count on your policy anywhere in the United States where Medicare is accepted.
  • All Mutual of Omaha Medicare Supplement plans follows the government's standards.

Please note: We are not Mutual of Omaha; this is our general opinion of Mutual of Omaha Medicare Supplement plans. Refer to your complete policy for full coverage details.

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