by Russell Noga | Updated October 6th, 2026
Looking for the best Medigap Plan G supplemental insurance company in your state? Mutual of Omaha’s Plan G for 2027 is one of the most popular choices in the country.
Medicare Plan G is one of the most popular Medigap plans for people new to Medicare, and for good reason. It covers nearly everything Original Medicare leaves behind, with only one small out-of-pocket cost: the Part B deductible.
Mutual of Omaha is often competitively priced for Plan G and offers a generous household discount, but rates vary by state, so it always pays to compare.
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Who Is Mutual of Omaha?
Headquartered in Omaha, Nebraska, Mutual of Omaha is one of America’s best-known insurance companies. Founded in 1909 as “The Mutual Benefit Health & Accident Association,” it adopted its current name in 1950.
Mutual of Omaha sells Medicare Supplement insurance along with other insurance and financial products. Its Medigap plans are sold in 49 states and Washington, D.C.
Unlike many companies that sell Medigap, Mutual of Omaha focuses on Medicare Supplement insurance rather than Medicare Advantage plans.
Mutual of Omaha is a strong choice for a Medigap insurer, with a long track record and a reputation for good customer service. It has historically drawn fewer complaints than average for its size.
Key Takeaways
- Mutual of Omaha offers one of the best household discount programs, with savings of up to 12% on premiums in many states when you live with another adult.
- For people new to Medicare, Mutual of Omaha mainly offers Medigap Plan A, Plan G, high-deductible Plan G and Plan N. Plan F is available only to people eligible for Medicare before 2020.
Mutual Of Omaha Medicare Supplement Plan G Pros
- A long-established company with a strong reputation for customer service.
- Generous household discounts.
- Available in every state except Massachusetts.
- Often competitive Plan G premiums in many areas.
- Options for standard and high-deductible Plan G.
Mutual Of Omaha Medicare Supplement Plan G Cons
- A limited plan lineup. Mutual of Omaha sells fewer plan letters than some competitors, so if you want Plan D, K, L or M you will need another company.
- Not always the lowest price. In some states other companies charge less for the same Plan G coverage, which is why comparing rates matters.
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Mutual Of Omaha Medicare Supplement Plan G Coverage
Plan G Part A Deductible
Mutual of Omaha Plan G covers 100% of the Medicare Part A deductible, which is $1,736 per benefit period in 2026. Medicare announces the 2027 amount later in the fall.
Plan G Part B Deductible
Plan G members pay the Part B deductible themselves. It is $283 in 2026. After that, Plan G covers your remaining Medicare-approved Part B costs.
Plan G Part B Coinsurance
Original Medicare pays 80% of approved Part B costs, such as doctor visits, outpatient hospital care and durable medical equipment. Mutual of Omaha Plan G pays the remaining 20%.
Part B Excess Charges
Under federal law, doctors who do not accept Medicare “assignment” can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges, so you are protected even at offices that bill above the approved rate.
Skilled Nursing Coinsurance
Original Medicare pays in full for the first 20 days in a skilled nursing facility after a qualifying hospital stay. For days 21 through 100 you owe a daily coinsurance, $217 per day in 2026, and Plan G covers it.
Home Health Care
Medicare usually covers approved home health care in full. Plan G covers the 20% coinsurance on related Part B costs, such as durable medical equipment.
365 Extra Days of Hospital Coverage
After the Part A deductible, Medicare covers your first 60 days in the hospital. Plan G covers the daily coinsurance for days 61 through 150 and up to 365 additional hospital days after Medicare benefits run out.
Three Pints of Blood
Medicare does not pay for the first three pints of blood you need each year. Plan G covers them.
Foreign Travel Emergency
Original Medicare generally does not cover care outside the U.S. Plan G covers 80% of emergency care when you travel abroad, after a $250 yearly deductible, up to a $50,000 lifetime limit.
Mutual Of Omaha Medicare Supplement Plan G – Premiums
Every insurer sets its own Plan G rate, and prices vary a lot by state. In an earlier rate comparison we looked at Mutual of Omaha’s Plan G pricing in three cities. Use it as a guide only, since rates change over time and Mutual of Omaha’s Plan G rate increase history matters as much as today’s price:
- Atlanta: Average pricing.
- Los Angeles: More expensive than average.
- Dallas: Less expensive than average.
Standard Medicare Supplement Plan G
In that comparison, Mutual of Omaha’s Plan G premium averaged about 32% higher than the least expensive company in the same areas, which shows why comparing quotes matters.
High-Deductible Plan G
High-deductible Plan G has a much lower premium in exchange for a yearly deductible, which is $2,950 in 2026. In our earlier comparison, Mutual of Omaha’s high-deductible Plan G quote was about 52% higher than the least expensive company offering it.
*Prices vary by state and by your personal details. Mutual of Omaha bases premiums on factors like age, ZIP code, gender and tobacco use. On average, men pay more than women.
Mutual Of Omaha Medicare Supplement Plan G Discounts
Mutual of Omaha offers some of the most generous discounts on Medicare Supplement Plan G. Discounts available in many states include:
- Household – If you live with your spouse, partner or another adult, you may qualify for a household discount of up to 12% on your Plan G premium.
- Dental – Members who add Mutual of Omaha dental insurance shortly after buying Plan G may receive a discount on their dental premium.
*Discounts vary by state, household status and how you apply.
Mutual of Omaha Plan G in 2027
Medigap benefits are set by federal law, so Mutual of Omaha’s Plan G covers the same things in 2027 as today. What can change are premiums, which Mutual of Omaha sets by state, and the Medicare deductibles, which Medicare announces later in the fall. See our guide to Medicare Supplement Plans 2027.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy Plan G, for most people, without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
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Frequently Asked Questions
What is Mutual of Omaha Medicare Supplement Plan G?
Mutual of Omaha Medicare Supplement Plan G is a standardized insurance plan that helps cover the gaps in Original Medicare (Part A and Part B). It covers hospital coinsurance, the Part A deductible, Part B coinsurance, Part B excess charges and skilled nursing coinsurance, among other costs.
Who is eligible for Mutual of Omaha Medicare Supplement Plan G?
People enrolled in Medicare Part A and Part B are generally eligible for Mutual of Omaha Medicare Supplement Plan G. Rules for people under 65 vary by state, so check with a licensed insurance agent for details.
When can I enroll in Mutual of Omaha Medicare Supplement Plan G?
The best time is your Medigap Open Enrollment Period, the six months starting the first day of the month you are both 65 or older and enrolled in Part B. You can also enroll without health questions if you have a guaranteed issue right, such as your Medicare Advantage plan ending for 2027.
What is the difference between Mutual of Omaha Medicare Supplement Plan G and Plan N?
Plan G gives more complete coverage than Mutual of Omaha Plan N. Plan G covers Part B excess charges and has no copays, while Plan N may charge up to $20 for some doctor visits and up to $50 for ER visits that do not end in admission. Plan N usually has a lower premium.
What does Mutual of Omaha Medicare Supplement Plan G cover?
Plan G covers Part A hospital coinsurance and the Part A deductible, Part B coinsurance or copayments, Part B excess charges, hospice coinsurance, the first three pints of blood, skilled nursing coinsurance and 80% of foreign travel emergency care. It does not cover the Part B deductible.
Does Mutual of Omaha Medicare Supplement Plan G cover prescription drugs?
No. Mutual of Omaha Medicare Supplement plans do not include prescription drug coverage. To cover prescriptions, enroll in a standalone Medicare Part D plan.
Can I go to any doctor or hospital with Mutual of Omaha Medicare Supplement Plan G?
Yes. With Mutual of Omaha Plan G you can see any doctor or hospital in the U.S. that accepts Medicare. There are no networks and no referrals required.
Can I keep my Mutual of Omaha Medicare Supplement Plan G if I move to a different state?
Yes. Your Plan G benefits stay the same when you move, though your premium may change based on your new location. Let Mutual of Omaha know your new address so billing stays accurate.
What is the cost of Mutual of Omaha Medicare Supplement Plan G?
The cost depends on your ZIP code, age, gender and tobacco use, plus any household discount. Pricing methods (attained-age, issue-age or community-rated) also affect how premiums change over time. Compare quotes from Mutual of Omaha and other companies to find the best rate.
Why should I choose Mutual of Omaha Medicare Supplement Plan G?
Mutual of Omaha is a long-established company with a strong service reputation and generous household discounts. Plan G gives comprehensive coverage and the freedom to see any doctor or hospital that accepts Medicare, so your healthcare costs stay predictable.
Find the Right Medicare Supplement Insurance Plan Today!
When choosing a Medigap plan, comparing quotes from several insurance companies is one of the most important steps. To see quotes from the top insurers in your area, including Mutual of Omaha, enter your ZIP code above. You can also call 1-888-891-0229 and one of our licensed agents will be happy to help.
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.