by Russell Noga | Updated September 2nd, 2023
Medicare supplement plans assist seniors with paying for the out-of-pocket expenses associated with Original Medicare Parts A & B.
There are 10 different Medicare Supplement plans to choose from, and United World Life Medicare Supplement plans are offered in several states.
United World Life Medicare Supplement Plans at a Glance
- United World Life is a subsidiary of Mutual Of Omaha, one of the biggest players in the Medigap industry.
- The company has a wide selection of Medicare supplement plans available.
- You get additional benefits through the “Mutually Well” program.
- One of the best household discounts in the industry.
Who Is United World Life?
As one of the most trusted names in the Medicare supplement industry, United World Life Insurance Company is a Mutual Of Omaha family subsidiary.
Mutual Of Omaha was one of the first companies to assist with the Medigap pilot program. It controls the subsidiaries Omaha Supplemental Life Insurance Company, United of Omaha Life Insurance Company, Omaha Insurance Company, and United World Insurance Company.
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What Medicare Supplement Plans Does United World Life Offer?
United World Life offers Medicare Supplement plans, underwritten by Mutual of Omaha. The company has an excellent selection of plans, including high-deductible options for Plans F & G. The only Medigap plans it doesn’t offer are the cost-sharing options for Plan K & L.
United World Life has the following Medigap plans available.
- Plan A – Basic benefits.
- Plan B – Similar to Plan A, but with coverage for the Part A deductible.
- Plan C – Near-comprehensive coverage with no benefits for Medicare Part B excess charges.
- Plan D – Near-comprehensive coverage with no benefits for Medicare Part B excess charges.
- Plan F – The most comprehensive Medigap plan.
- Plan HDF*
- Plan G – Near comprehensive coverage with no Medicare Part B deductible benefit.
- Plan HDG*
- Plan M – Good benefits with 50% coverage of the Medicare Part A deductible.
- Plan N – Good benefits, copayments required, and no coverage for Medicare Part B excess charges.
*High-deductible Plans F & G increase your annual Medicare Part A deductible from $1,600 to $2,700 in 2023. You maintain all the benefits of the standard plans but receive a huge reduction in monthly premiums in exchange for a higher Medicare Part A deductible.
United World Life Medicare Supplement Plans – Benefits & Coverage
The CMS standardizes the benefits of Medigap plans, bringing consistency to the industry. Benefits for Medicare Part A & B expenses are the same across all providers, ensuring you get the same coverage regardless of the insurer you use for your policy.
All Medigap plans offer the following benefits for Original Medicare Parts A & B.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans C*, F*, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plan C, F, and high-deductible Plan F are only available to seniors qualifying for Original Medicare before January 1, 2020. If you’re eligible for Medicare after this cut-off date, you can go with Plan G for similar benefits to Plan F.
The only thing Plan G doesn’t cover that Plan F does is the Part B deductible.
United World Life will request that you go through medical underwriting if you are not in your initial open enrollment period. So, applying for a policy with this company during the Open Enrollment period in the six months after your 65th birthday is essential to avoid underwriting.
Suppose you have pre-existing conditions and apply outside the Open Enrollment period.
In that case, United World Life can charge your higher-than-average premium or deny your application.
However, there is no waiting period enforced by United World Life when joining during the Open Enrollment period.
What United World Life Medicare Supplement Plans Don't Cover
United World Life Medicare supplement plans don’t cover any expenses unrelated to Original Medicare Parts A & B. You don’t have coverage for private-duty nursing or extended stays at unskilled nursing homes. There’s no coverage for vision, dental, and hearing services or prescriptions.
United World Life Medicare Supplement Plans – Premiums
United World Life uses your gender, age, smoking status, and location in the United States to create a risk profile when setting your monthly premiums.
As a result, the cost of plans can vary from state to state. Here are the average premium rates for its most popular plans for a 65-year-old female nonsmoker based in Saint Louis, MO.
*Your rate may vary depending on your risk profile. Please call our agents for an accurate quote.
United World Life Medicare Supplement Plans – Additional Benefits
United World Life offers additional benefits on some Medicare supplement Plans through its “Mutually Well” program. Mutually Well offers beneficiaries up to a 30% saving on chiropractic, acupuncture, massage therapy, personal training, meal programs, and fitness equipment.
You can purchase a gym membership through the program for an additional $25 a month, giving you access to 10,000 participating fitness locations nationwide. The company offers a household discount of 7% to 12% and moderate annual premium increases.
United World Life Medicare Supplement Plans – Third-Party Ratings & Reviews
United World Life has an A+ rating from AM Best for its financial strength, an A+ rating from S&P, and an A1 rating from Moody’s. The company has an excellent reputation and good customer service ratings.
Frequently Asked Questions
What Medicare Supplement plans does United World Life offer?
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Russell Noga is the CEO of Medisupps.com, an online Medicare Agency and resource center helping Medicare beneficiaries learn about Medicare, Medigap and Part D drug plans, and Medicare Advantage plans since 2009. Russell is licensed in all 50 states and has been featured as a keynote speaker, and author of several publications, along with hosting the very popular Medisupps.com Youtube channel.