Mutual of Omaha Medicare Supplement 2025 – Plan Insights & Benefits

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated March 15th, 2024

Dive into the specific offerings of Mutual of Omaha Medicare Supplement 2025 and make an informed decision about your health insurance. This guide delivers a concise examination of plans, benefits, and updates to help you understand and choose the coverage that best aligns with your needs. From the latest in Plan G benefits to navigating enrollment periods, we’ve got you covered.


Key Takeaways

  • Mutual of Omaha’s Medicare Supplement Plans for 2025 offer comprehensive healthcare coverage, timely claims payment, and international travel medical insurance with various plans (F, G, N) catering to diverse coverage needs and budgets.
  • Enrollment periods and eligibility are crucial for obtaining Medigap coverage, with the best time to enroll being the initial 6-month period upon turning 65 or during Special Enrollment Periods to avoid increased premiums due to pre-existing conditions.
  • Comparing Medicare supplement plans is essential, with factors like coverage benefits, pricing, discounts, and provider networks varying across insurance providers; personal healthcare needs and budget should guide the decision-making process.


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Mutual of Omaha Medicare Supplement Plans for 2025

Mutual of Omaha Medicare Supplement Plans for 2025


The process of selecting a Medicare supplement plan may seem complex, but Mutual of Omaha makes it less overwhelming. How so? Well, Mutual of Omaha’s Medicare supplement insurance policies complement Medicare Parts A and B by covering the 20% of health costs that Original Medicare doesn’t. This includes coverage for out-of-pocket costs, ensuring that you aren’t left stranded when you need medical care. With a 99% claims payment rate within 24 hours, these policies ensure policyholders receive timely support when they need it most.

Moreover, these high deductible plan options provide healthcare coverage while traveling internationally, giving you peace of mind during your overseas adventures. It’s worth considering the option of high-deductible plans available for some Medigap plans, which could offer lower premiums at the cost of a higher deductible.


Plan F: Comprehensive Coverage

When it comes to comprehensive coverage, Plan F stands out. This plan offers an all-inclusive approach to your healthcare needs. It takes care of deductibles, co-insurance fees, and Part B excess charges, ensuring you don’t have to worry about these additional costs. But the benefits don’t end there.

Plan F goes the extra mile by offering a foreign travel emergency care benefit. This unique feature offers coverage up to $50,000 to stabilize and transport you back to the United States should an emergency occur during your overseas travels. Nonetheless, evaluating your need for international travel coverage and understanding the limits and terms of Plan F’s coverage is essential.


Plan G: Balanced Benefits

For a balanced blend of benefits, Plan G is an excellent option. This plan covers 100% Part B coinsurance once the Part B deductible is met and takes care of Part B excess charges in certain states. But that’s not all it has to offer.

Plan G also provides coverage for skilled nursing facility coinsurance and hospitalization coinsurance costs, ensuring that you’re well taken care of in case of an extended hospital stay. However, it’s important to note that the Part B calendar year deductible is not covered by Plan G, requiring beneficiaries to pay this expense out-of-pocket.


Plan N: Affordable Alternative

If you’re looking for an affordable alternative, Plan N could be the perfect fit for you. This plan offers lower premiums in exchange for some cost-sharing, striking a balance between coverage and out-of-pocket costs.

Plan N offers the following coverage:

  • Full coverage of Part B coinsurance, except for a copayment of up to $20 for doctor visits and up to $50 for emergency room visits. These copayments are the only out-of-pocket costs under this plan.
  • Full coverage of hospitalization coinsurance and the Part A hospital deductible.
  • Coverage of skilled nursing facility care coinsurance, ensuring you’re covered if you require an extended stay in a skilled nursing facility.
  • No coverage for Part B excess charges.
  • Following the Part B deductible, Plan N beneficiaries only have to cover the carrier’s monthly premium and copays for doctor and emergency room visits.


Prescription Drug Plans and Mutual of Omaha


Prescription Drug Plans and Mutual of Omaha


In addition to their Medicare supplement plans, Mutual of Omaha also offers prescription drug plans that provide:

  • Affordable and reliable coverage
  • Access to a wide network of nearly 60,000 pharmacies, including major chains and local grocery stores
  • A home delivery option for obtaining medications with the lowest copays and best savings.

Plus, the company provides a dedicated PDP Member Portal, integrated into Mutual of Omaha’s Customer Access, where policyholders can manage their Prescription Drug Plan (PDP) alongside other Mutual of Omaha accounts.


Standalone Prescription Drug Plans

Standalone prescription drug plans play a vital role in comprehensive health coverage. Mutual of Omaha provides standalone prescription drug plans to complement Medicare supplement plans for enhanced medication coverage. These plans not only increase your access to necessary medications but also provide you with the flexibility to manage your healthcare needs according to your individual requirements.

Furthermore, these prescription drug plans are compatible with Medicare Advantage plans provided by other insurers, serving as an essential add-on for comprehensive drug coverage. Moreover, upon enrollment in Medicare Parts A and/or B, individuals are granted a Special Enrollment Period that allows them to sign up for Mutual of Omaha’s Medicare Part D prescription drug plans.


Medicare Advantage with Prescription Drug Coverage

Opting for a Medicare Advantage plan, including prescription drug coverage, can serve as a handy alternative to supplement plans paired with a standalone prescription drug plan. This combination provides a streamlined approach to managing both your health and prescription needs, simplifying your healthcare journey.

The quality of health and drug services in Medicare Advantage plans can be measured using Medicare Part C and Part D Star Ratings. Having a single Medicare Advantage plan covering both health and prescription needs simplifies management compared to separate health and drug plans.

Medicare Advantage plans with prescription drug coverage provide significant benefits such as streamlined healthcare services and possibly better-quality care as indicated by Star Ratings.


Enrollment Periods and Eligibility


Enrollment Periods and Eligibility


Understanding the enrollment periods and eligibility requirements for Medicare Supplement insurance can help you make the most of your healthcare coverage. To be eligible for a Medicare Supplement insurance plan, you must be enrolled in Original Medicare (Parts A and B).

The optimal time to sign up for a Medigap policy is during the initial 6-month period, starting the first month a person is 65 or older and enrolled in Medicare Part B. However, individuals under 65 may also be allowed to purchase Medigap policies in some states, depending on state legislation and specific health conditions or disabilities.


Initial Enrollment Period

Being aware of the Initial Enrollment Period for a Medigap policy is of utmost importance. This period begins on the first day of the month in which a person is at least 65 years old and enrolled in Medicare Part B, and it lasts for six months. During this period, individuals can purchase any Medigap policy sold in their state without being subjected to health underwriting or increased premiums due to pre-existing conditions.

During the Initial Enrollment Period, individuals cannot be denied Medigap coverage or charged higher premiums due to health conditions. These protections cease to exist once the period concludes, hence it’s essential to make the most of this opportunity. Agents can provide valuable guidance on purchasing a Medigap policy during the Initial Enrollment Period, ensuring individuals avoid rejection or higher premiums related to their health status.


Special Enrollment Periods

Special Enrollment Periods provide a lifeline for individuals who lose other health insurance coverage, such as employer coverage, or if their health plan leaves Medicare. It’s important to remember that these special periods are not automatic and are granted under specific circumstances.

After switching from a Medicare Advantage Plan to Original Medicare, an individual must apply for a Medigap policy within 60 days before the end of Medicare Advantage Plan coverage and no more than 63 days after it ends. This is to avoid Late Enrollment Penalties and ensure continued access to comprehensive healthcare coverage.


General Enrollment Period

The General Enrollment Period for Medicare happens annually from January 1 to March 31. This period provides an opportunity for those who did not enroll when first eligible to sign up for Medicare and Medicare Supplement plans. This period is crucial for individuals, such as those with low income who may benefit from Medicare Savings Programs, helping them to cover Part B premiums and avoid a Part B late enrollment penalty.

Following enrollment in Medicare Part A and/or B during the General Enrollment Period, individuals may then choose to enroll in a Medicare Supplement (Medigap) policy. This step-by-step process ensures that everyone gets a fair chance to access comprehensive healthcare coverage.



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Comparing Mutual of Omaha with Other Insurance Companies

Comparing Mutual of Omaha with Other Insurance Companies


When selecting a Medicare supplement plan, comparing options from various insurance companies is a vital step. Mutual of Omaha has partnered with WellCare to offer co-branded Medicare Advantage plans, including prescription drug coverage. These plans aim to provide no premium and low premium options across five states, making healthcare coverage more affordable.

Mutual of Omaha and Blue Cross Blue Shield are recognized as leading providers of Medicare Supplement Plan G, boasting benefits like low average costs, round-the-clock nurse line, and discount programs.


Pricing and Discounts

One of the key factors to consider when choosing a Medicare supplement plan is the cost. It’s important to remember that while the benefits within each lettered Medigap plan are standardized, the prices can vary widely between companies. Therefore, it’s crucial to shop around and compare costs before making a decision.

Mutual of Omaha, a reputable Omaha insurance company, provides Plan G at competitive rates, complemented by discounts on wellness products and services. In addition, insurance companies may offer a variety of discounts, including reductions for non-smokers, married policyholders, or those who pay premiums annually or via automatic funds transfer. These factors can significantly reduce your overall healthcare expenditure, making Mutual of Omaha an attractive choice for many beneficiaries.


Network and Provider Options

Another critical aspect to consider when choosing a Medicare supplement plan is the network and provider options. Mutual of Omaha Medicare supplement plans ensure beneficiaries can see any healthcare provider that accepts Medicare patients without needing referrals for specialists. This flexibility allows you to choose the doctors and healthcare providers that you trust and are comfortable with.

In addition to provider flexibility, policyholders have access to a wide pharmacy network of nearly 60,000 locations, including major chains and community grocery stores. This extensive network ensures that you can easily access your medications, no matter where you are.


Tips for Choosing the Right Plan


Tips for Choosing the Right Plan


Picking the right Medicare supplement plan necessitates thorough deliberation. It’s not just about assessing the benefits of each plan or comparing prices. You also need to consider your personal healthcare needs, your budget, and the reliability of the insurance company.

Here are some tips to help you make the best choice, and for additional information, refer to the provided sources. When considering your options, keep in mind that you should look for products or services that are competitively priced and offer more options.


Assessing Personal Health Care Needs

Before settling on a Medigap policy, you must ascertain if you need more wide-ranging coverage than what Original Medicare provides, keeping in mind possible limitations on future policy changes. This involves considering your current health profile, as well as possible future healthcare needs.

In addition, you should assess the importance of keeping your current doctors and hospitals, selecting a plan with provider flexibility can help accommodate potential changes in health care needs. It’s recommended to seek advice from a licensed agent who can provide personalized assistance to help you determine the most suitable Medicare supplement plan based on your individual healthcare needs.


Budget Considerations

Taking into account your budget is another key factor while selecting a Medicare supplement plan. Beneficiaries who choose Plan G will pay the monthly premium charged by the insurance carrier and the Part B deductible, with no additional co-pays once the deductible is met.

You should also remember that while the benefits within each lettered Medigap plan are standardized, premiums are not, so it is essential to get an accurate quote directly from the insurance company. Evaluate the cost of Medicare supplement policies, considering both the monthly premiums and the out-of-pocket limits. This will help you choose a plan that fits your budget without compromising your healthcare needs.


Consulting with an Agent

Seeking advice from a licensed Medicare Supplement Insurance agent can be immensely helpful when deciding on the appropriate Medigap policy. An agent can:

  • Clarify the various Medigap options
  • Provide peace of mind by ensuring you make an informed decision
  • Protect both your health and finances without additional out-of-pocket costs.

Agents can guide you through different coverage scenarios and address any questions or concerns you may have about switching plans or coverage options to ensure the policy meets your expectations and needs. Therefore, don’t hesitate to seek professional advice when choosing a Medicare supplement plan.



We’ve covered a lot of ground in our exploration of Mutual of Omaha’s Medicare Supplement plans for 2025. From the comprehensive coverage offered by Plan F to the affordable alternative provided by Plan N and the convenience of integrated prescription drug plans, these plans offer a variety of options to enhance your Original Medicare coverage.

In conclusion, choosing a Medicare supplement plan is a decision that requires careful consideration of your personal healthcare needs, budget considerations, and the reputation of the insurance company. Whether you’re drawn to the comprehensive coverage of Plan F, the balanced benefits of Plan G, or the affordable alternative of Plan N, Mutual of Omaha offers a solution to meet your healthcare needs.

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Frequently Asked Questions

How much is Mutual of Omaha Plan G 2024?

The national average monthly premium for Mutual of Omaha Plan G in 2024 is $155.70, but your actual rate can vary based on factors such as age, zip code, gender, tobacco use, and household discounts.


  Is Mutual of Omaha a good Medicare supplement plan?

Yes, Mutual of Omaha is a good Medicare supplement plan choice due to its widely available high-deductible Plan G, excellent pricing, high financial strength ratings, and household discounts for members.


  Are Medicare supplement plans going away?

No, Medicare supplemental insurance plans are not going away entirely, although there are changes for new enrollees who won’t be eligible for Plan C or F. Therefore, if you were already eligible for Medicare before 2021, you won’t see any changes in the plans you are eligible to purchase.


  Does Mutual of Omaha have a household discount for Medicare supplement?

Yes, Mutual of Omaha offers a household discount of 12% for Medicare supplement plans if you live with another person over the age of 60. This discount varies by state.


  What are the benefits of Mutual of Omaha’s Medicare Supplement plans?

The benefits of Mutual of Omaha’s Medicare supplement plans include coverage for out-of-pocket costs, international healthcare coverage, and a 99% claims payment rate within 24 hours. These features complement Original Medicare.

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 Mututal of Omaha Medicare Supplement Plans 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, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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