by Russell Noga | Updated August 15th, 2025
Curious about Mutual of Omaha Medicare Supplement plans? This article explains how these plans fill the gaps left by Original Medicare, including key features, costs, and why they might be the right choice for you.
Key Takeaways
- Mutual of Omaha offers a wide range of Medicare Supplement plans designed to fill coverage gaps left by Original Medicare, providing predictable monthly bills and comprehensive protection.
- The company is recognized for its excellent customer service, with 99% of claims processed within 24 hours and a strong reputation reflected in high consumer ratings and low complaint rates.
- Factors such as geographical location and coverage level influence pricing, but Mutual of Omaha provides competitive rates, household discounts, and additional services like international coverage to enhance value.
Compare 2026 Plans & Rates
Enter Zip Code
Overview of Mutual of Omaha Medicare Supplement Plans
Mutual of Omaha has been a stalwart in the insurance industry since its inception in 1909. Originally known as Mutual Benefit, the company rebranded to Mutual of Omaha in the early 1950s, and ever since, it has been synonymous with reliability and customer satisfaction. With over a century of experience, Mutual of Omaha has garnered the trust of more than 22 million customers across various insurance and financial services.
Since 1966, Mutual of Omaha has been providing Medicare Supplement insurance, helping countless individuals cover the gaps left by Original Medicare. The company’s extensive experience and commitment to its customers make it a formidable player in the Medicare Supplement market. Mutual of Omaha provides various plans tailored to different needs, allowing Medicare patients to find suitable coverage for their healthcare requirements.
Key Features of Mutual of Omaha Medicare Supplement Plans
Mutual of Omaha’s Medicare Supplement plans are designed with the customer in mind, aiming to simplify the selection process through a user-friendly website that clearly explains coverage options. This transparency is crucial for Medicare patients who need to understand their choices without feeling overwhelmed. The plans are structured to provide predictable monthly bills, helping avoid unexpected out-of-pocket medical expenses, which can be a significant stressor for those on a fixed income.
Several factors affect the cost of Medicare Supplement plans, including age, health status, gender, and geographical location. Despite these variables, Mutual of Omaha strives to offer competitive rates and valuable coverage. The plans cover essential Medicare benefits such as coinsurance and hospital costs, ensuring that beneficiaries receive comprehensive protection without worrying about hidden fees or surprise charges.
One standout feature is the range of plans available, each catering to different needs and preferences. Whether you need extensive coverage with higher premiums or a plan with fewer benefits but lower costs, Mutual of Omaha has an option for you. This flexibility enables Medicare patients to select a plan that fits their healthcare and financial situation, simplifying the management of medical expenses.
How Mutual of Omaha Medicare Supplement Plans Work
Mutual of Omaha Medicare Supplement plans fill the gaps left by Original Medicare, covering costs like deductibles, copayments, and coinsurance. These plans typically cover the 20% of costs not included in Original Medicare, providing significant financial protection for policyholders. This additional coverage is crucial for those with frequent medical needs or high healthcare costs.
The plans work alongside Medicare Part A and Part B, ensuring that beneficiaries are not held liable for certain costs that Medicare does not cover. For instance, after Medicare has paid its share, the medicare supplement plan kicks in to cover the remaining expenses, reducing the financial burden on policyholders. This integration simplifies healthcare expense management for Medicare patients, reducing out-of-pocket cost concerns.
Another advantage is the flexibility these plans offer. Enrollees can visit any healthcare provider that accepts Medicare without needing referrals. This nationwide acceptance ensures that policyholders have access to necessary healthcare services wherever they are, providing peace of mind and convenience. For those who travel frequently or have providers in different states, this flexibility is invaluable.
Cost of Mutual of Omaha Medicare Supplement Plans
The cost of Mutual of Omaha Medicare Supplement plans varies based on several factors, including the level of coverage and geographical location. Plans that offer more extensive coverage typically come with higher premiums, while those with fewer benefits are more affordable. For example, the high-deductible version of Plan G offers lower rates, making it a popular choice for those seeking comprehensive coverage at a lower cost.
Mutual of Omaha also offers a household discount of up to 12% for policyholders sharing a residence with someone over the age of 60, although this discount is not available in all states. This discount strategy makes the plans more affordable and accessible to a broader range of individuals. However, it’s essential to check if this discount applies in your state before making a decision.
For new policyholders, enrolling during the Medigap open enrollment period can help lock in lower premiums without the risk of higher costs due to health issues. This timing allows individuals to secure the best rates available, making Mutual of Omaha an attractive choice for Medicare Supplement needs.
Compare Medicare Plans & Rates in Your Area
Customer Service and Support
Mutual of Omaha is frequently recognized for its strong customer service, with a commitment to quick claims processing and customer satisfaction. According to experts, 99% of claims are processed within 24 hours, ensuring that policyholders receive timely reimbursements and can focus on their health rather than administrative hassles. This efficiency in claims processing sets Mutual of Omaha apart from many of its competitors.
The company has been accredited by the Better Business Bureau since 1940, showcasing its long-standing commitment to ethical business practices and customer service. The low complaint rates and strong premium discounts further highlight the company’s dedication to its policyholders.
Tools like the proprietary pharmacy search tool help clients find preferred pharmacies easily, adding to the overall positive experience.
Expert Opinions on Mutual of Omaha Medicare Supplement Plans
Experts consistently recognize Mutual of Omaha as a reputable provider in the Medicare Supplement market. The company has received high ratings from both consumers and industry analysts for its commitment to customer service and support. This recognition is a testament to the company’s ability to meet the needs of Medicare patients effectively.
Brand Trust and Reputation
Mutual of Omaha’s reputation in the insurance industry is bolstered by positive reviews and ratings from various experts. For instance, NerdWallet rates Mutual of Omaha Medicare Supplement Insurance at 4.5 out of 5, reflecting its strong reputation and trustworthiness among consumers. With fewer complaints than the average Medigap provider, Mutual of Omaha has earned the trust of its customers.
Mutual of Omaha’s longstanding reputation for reliability and trustworthiness makes it a preferred choice for many Medicare patients. The combination of expert reviews and customer trust underscores the company’s commitment to providing quality Medicare Supplement plans.
Coverage Quality
The coverage quality of Mutual of Omaha Medicare Supplement plans is often rated higher due to their comprehensive options and customer satisfaction. Although plans K and L are not available, the range of other Medigap plans offered ensures that most needs are met. This variety allows Medicare patients to choose a plan that best fits their healthcare requirements and budget.
Mutual of Omaha enjoys significantly higher customer satisfaction than the industry average, with fewer complaints and more positive reviews. This high level of satisfaction indicates that the coverage provided is both comprehensive and reliable, giving policyholders confidence in their choice.
Financial Ratings
Mutual of Omaha’s financial stability is underscored by strong ratings from major agencies. The company holds a financial strength rating of ‘A+’ from A.M. Best, indicating its robust capability to fulfill policyholder obligations. This strong financial standing assures policyholders that the company is reliable and capable of meeting its commitments.
Agencies like Moody’s and S&P Global have also rated Mutual of Omaha highly, with ratings of ‘A1’ and ‘A+’, respectively. These ratings reflect the company’s good to strong financial stability, making it a dependable choice for Medicare Supplement insurance.
Additional Benefits of Choosing Mutual of Omaha
Choosing Mutual of Omaha for your Medicare Supplement insurance comes with several additional benefits. One notable advantage is the unique household discount offered to residents living with another person over 60, providing a 12% reduction on premiums.
This discount is applicable even if only one person holds a policy with Mutual of Omaha, making it an attractive option for many households.
Nationwide Availability
Mutual of Omaha’s Medicare Supplement plans are available across all states, providing flexibility for those who relocate. Nationwide availability ensures policyholders can access necessary healthcare services wherever they are. Policyholders can maintain their plans even when moving across state lines, ensuring continuous coverage and peace of mind.
This flexibility lets Medicare patients focus on their health needs rather than insurance coverage, making Mutual of Omaha a convenient choice for dynamic lifestyles.
Discounts and Special Offers
Mutual of Omaha provides various discounts on their Medicare Supplement plans, including multi-policy discounts and discounts for healthy living. New policyholders may also benefit from special introductory offers or limited-time discounts when enrolling in a plan. These discounts and offers enhance the value of the coverage, making it more affordable for a wider range of individuals.
It’s essential for potential policyholders to regularly check for current discounts and special offers from their insurance provider, as these can significantly enhance the value of their coverage and pay.
Additional Services
Many Mutual of Omaha Medicare Supplement plans offer additional services such as international coverage for healthcare, covering 80% of eligible expenses up to a lifetime maximum. This international coverage is a significant additional service, providing peace of mind when traveling abroad.
These additional services enhance the value of the Medicare Supplement plans offered by Mutual of Omaha, making them a comprehensive and attractive option for many Medicare patients.
How to Enroll in Mutual of Omaha Medicare Supplement Plans
Enrolling in Mutual of Omaha Medicare Supplement plans is straightforward, especially during the Medigap open enrollment period when individuals can purchase plans without the risk of higher premiums due to health issues. For those under 65, Mutual of Omaha provides two open enrollment periods: one upon enrolling in Part B and another when turning 65.
Necessary documents for enrollment typically include your Medicare card and identification information. Understanding the different enrollment periods is crucial to ensure you can enroll at the right time and take full advantage of the benefits.
Comparing Mutual of Omaha with Other Providers
When comparing Mutual of Omaha with other providers, the coverage quality stands out as particularly competitive, especially for Plan G, which offers extensive benefits. The coverage provided by Mutual of Omaha is often noted for its comprehensiveness, making it a top choice for many Medicare patients.
However, AARP/UnitedHealthcare is often considered a cost-effective alternative, providing lower-priced plans with strong customer service. Mutual of Omaha’s rates can vary significantly based on location, sometimes being more competitive or expensive than other companies like Cigna or Blue Cross Blue Shield.
Compare 2026 Plans & Rates
Enter Zip Code
Summary
In summary, Mutual of Omaha Medicare Supplement Plans for 2026 offer robust coverage, competitive pricing, and exceptional customer service. The company’s longstanding reputation and high financial ratings make it a reliable choice for Medicare patients. With additional benefits like nationwide availability and various discounts, these plans provide significant value and peace of mind.
Choosing the right Medicare Supplement plan is crucial for managing healthcare expenses effectively. Mutual of Omaha stands out as a trustworthy and comprehensive option, ensuring that you receive the coverage and support you need. Consider exploring these plans further to find the best fit for your healthcare needs.
Frequently Asked Questions
What factors affect the cost of Mutual of Omaha Medicare Supplement plans?
The cost of Mutual of Omaha Medicare Supplement plans is influenced by factors such as age, health status, gender, and geographical location. Understanding these can help you estimate potential costs and choose the right plan for your needs.
Can I use Mutual of Omaha Medicare Supplement plans if I move to a different state?
Yes, you can use Mutual of Omaha Medicare Supplement plans if you move to a different state, as these plans are available nationwide, providing you with continuous coverage.
What is the household discount offered by Mutual of Omaha?
Mutual of Omaha offers a 12% household discount for policyholders who reside with someone over the age of 60, though the availability may vary by state.
How quickly are claims processed by Mutual of Omaha?
Claims with Mutual of Omaha are typically processed within 24 hours, with a 99% success rate for timely processing.
What additional services are offered by Mutual of Omaha Medicare Supplement plans?
Mutual of Omaha Medicare Supplement plans offer international coverage for healthcare, covering 80% of eligible expenses up to a lifetime maximum. This benefit enhances your healthcare options while traveling abroad.
Speak to the Professionals about Medigap Plans and Original Medicare
If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the CareFirst Medicare Supplement in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.
We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, costs and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.