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.
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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.
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.
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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.
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Frequently Asked Questions
What Medicare Supplement plans does United World Life offer?
United World Life offers a variety of Medicare Supplement plans, including Plan G, Plan N, Plan F, and other standardized plans. These plans provide additional coverage to supplement Original Medicare.
Who is eligible to enroll in United World Life Medicare Supplement plans?
Eligibility to enroll in United World Life Medicare Supplement plans typically requires being enrolled in Medicare Part A and Medicare Part B. Enrollment is generally open to individuals who are 65 years or older, or those under 65 with certain disabilities.
What are the key features of United World Life Medicare Supplement Plan G?
United World Life Medicare Supplement Plan G offers comprehensive coverage, including coverage for Medicare Part A and B coinsurance, Part A deductible, Part B excess charges, and skilled nursing facility coinsurance.
What are the key features of United World Life Medicare Supplement Plan N?
United World Life Medicare Supplement Plan N provides coverage for Medicare Part A and B coinsurance, Part A deductible, and skilled nursing facility coinsurance. However, it does have cost-sharing in the form of copayments for certain services.
What is the difference between United World Life Medicare Supplement Plan G and Plan N?
The main difference between United World Life Medicare Supplement Plan G and Plan N is that Plan G offers more comprehensive coverage, including coverage for Part B excess charges, while Plan N has cost-sharing in the form of copayments for certain services.
What coverage and benefits do United World Life Medicare Supplement plan offer?
United World Life Medicare Supplement plans typically provide coverage for Medicare Part A and B coinsurance, and hospital costs, and may include additional benefits such as coverage for skilled nursing facility care, foreign travel emergencies, and more. Coverage details may vary based on the specific plan.
Are there any additional benefits or perks offered by United World Life Medicare Supplement plans?
While additional benefits and perks may vary, some United World Life Medicare Supplement plans may offer benefits such as a discount program for prescription drugs and fitness program. It’s important to review the details of each plan to understand the specific benefits included.
How can I enroll in United World Life Medicare Supplement plans?
To enroll in United World Life Medicare Supplement plans, you can contact us directly today at 1-888-891-0229.
What factors should I consider when comparing United World Life Medicare Supplement plans?
When comparing United World Life Medicare Supplement plans, important factors to consider include the specific coverage offered, premium rates, company reputation, customer service quality, financial stability, and any additional benefits or perks that align with your healthcare needs.
Call Us for a Free Quote on Medicare Supplement Insurance
Our professional, experienced, and fully licensed agents are available for a free consultation at 1-888-891-0229.
We’ll find you the best premium for any Medigap plan in any state. If you want a fast quote, use our automated online quoting tool to get an estimated premium on any policy.
Or fill out the contact form, and we’ll get a Medigap expert to call you back to discuss your healthcare requirements and budget.
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.