Mutual of Omaha Medicare Supplement Plans
Mutual of Omaha is a leading provider of Medicare Supplement plans, offering a range of coverage options to help meet the healthcare needs of Medicare-eligible individuals. Mutual of Omaha's Medigap plans are designed to help fill the gaps in Original Medicare coverage, providing additional benefits like coverage for deductibles, coinsurance, and copayments.
- The top three Medigap plans are Plan G, F, and N – each providing differant levels of coverage.
- With a Medigap plan, you have the flexibility to access any medical facility that accepts Medicare assignment.
- Premiums for Plan G range from $99.24 - $119.56 per month.
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 $226.00.
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
- High-Deductible Plan G has the same benefits as a Plan G once the annual plan deductible is met – 2023 yearly deductible is $2,700.
- 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?
Medicare Supplement Plan G ranges from $99.24 - $119.56 per month for a 65 year-old-female that does not use tobacco.
Plan N ranges from $77.19 - $102.32 per month, and Plan F ranges from $136.06 - $175.59.
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.
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.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
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