by Russell Noga | Updated January 19th, 2024
Mutual of Omaha is a Fortune 500 company that has been providing Americans with high-quality insurance products and reliable services for more than a century. Medicare Supplement Insurance is one of the company’s specialties; Mutual of Omaha is one of the leading providers of Medigap insurance in the United States. The company offers a variety of plans, charges affordable rates, and provides several additional benefits on top of the standard Medicare Supplement benefits.
If you’re interested in purchasing Medicare Supplement Insurance through Mutual of Omaha, you’ll need to fill out an application, which you can easily do so right here, on our website. But before you do, read on to learn more about Mutual of Omaha Medigap insurance so that you can determine if it’s the right option for you.
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Types of Mutual of Omaha Medicare Supplement Plans
There are 10 lettered Medicare Supplement Insurance (also known as Medigap) plans. These plans provide additional insurance that works alongside Original Medicare. They are designed to provide coverage for the expenses that Medicare Part A (inpatient care) and Part B (outpatient care and services) don’t cover, such as coinsurance, copayments, and deductibles.
It’s important to note that Medicare Supplement plans aren’t separate policies; rather (and as previously indicated), they provide additional coverage on top of Original Medicare, and as such, they also involve an additional premium, which has to be paid on a monthly basis in order to maintain the benefits they provide.
While Mutual of Omaha does offer several Medigap policies, the company focuses on the most popular options: Plan A, Plan G, Plan N, and Plan F. All of these plans are available in all of the locations where Mutual of Omaha provides coverage.
All Medicare beneficiaries can purchase Plan A, Plan G, and Plan N, while only those who were eligible for benefits before January 1, 2020, can purchase Plan F.
Medicare Plan A
The most basic of the 10 Medicare Supplement Insurance plans, Plan A only offers the benefits that Medigap policies are required to provide, but nothing more. The benefits that Plan A offers include:
- Part A Coinsurance for inpatient care
- Part A hospice copayment and coinsurance
- Part copayment or coinsurance
- The first three pints of blood for transfusions
Plan A provides 100 percent coverage for these benefits.
Medicare Plan F
Of all Medigap policies, Plan F offers the most inclusive benefits. With this plan, policyholders receive 100 percent coverage for the following:
- Part A deductible
- Part A copayment and coinsurance for hospice care
- Part A inpatient care
- Part B deductible
- Part B excess charges
- Part B copayment and coinsurance
- Three pints of blood for blood transfusions
- Coinsurance for skilled nursing facility care
Plan F covers 100 percent of these standard Medicare benefits, and it also covers up to 80 percent of the costs that are associated with emergency Medicare while you’re traveling outside of the United States, up to the plan’s limit, which is $50,000 for Mutual of Omaha.
As of January 1, 2020, Plan F is the only option for Medicare beneficiaries who became eligible for the government-sponsored.
Medicare Plan G
Plan G is the most comprehensive Medigap plan for new Medicare enrollees. This plan offers all of the same coverage as Plan F, except for the Part B deductible. In 2023, the deductible for Part B was $226, and it’s believed that it will be similar in 2024. Benefits that Plan G provide include the following:
- Part A deductible
- Part A copayment and coinsurance for hospice care
- Part A inpatient care
- Part B deductible
- Part B excess charges
- Part B copayment and coinsurance
- Three pints of blood for blood transfusions
- Coinsurance for skilled nursing facility care
Plan G covers 100 percent of these standard Medicare benefits, and it also covers up to 80 percent of the costs that are associated with emergency Medicare while you’re traveling outside of the United States, up to the plan’s limit, which is $50,000 for Mutual of Omaha.
This Medigap plan is considered the most comprehensive option for new Medicare enrollees.
Medicare Plan N
Plan N is designed for Medicare beneficiaries who want to pay lower monthly premiums but who don’t mind paying a higher copay. With this plan, you’ll have to pay a copay of up to $20 for doctor visits and up to $50 for emergency room visits (however, the fee is waived if you are admitted. This Medigan offers the following benefits:
- Part A deductible
- Part A copayment and coinsurance for hospice care
- Part A inpatient care
- Part B deductible
- Part B excess charges
- Part B coinsurance
- Three pints of blood for blood transfusions
- Coinsurance for skilled nursing facility care
Plan N covers 100 percent of these standard Medicare benefits, and it also covers up to 80 percent of the costs that are associated with emergency Medicare while you’re traveling outside of the United States, up to the plan’s limit, which is $50,000 for Mutual of Omaha.
This Medigap plan is considered the most comprehensive option for new Medicare enrollees.
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How to Fill Out a Mutual of Omaha Medicare Supplement Application
The ideal time to apply for Mutual of Omaha Medicare Supplement insurance is during the Open Enrollment period, which is the 6 month period that begins on the first day of the month you turn 65 and have Original Medicare Part B. When filling out your application, be sure you take your time, and answer all questions fully and completely. Additionally, make sure that you provide factual information. Typically, Medigap coverage begins the month after you apply; however, you can indicate when you would like your coverage to begin.
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Frequently Asked Questions
What is the Mutual of Omaha Medicare Supplement Application?
The Mutual of Omaha Medicare Supplement Application is the process of applying for a Medicare Supplement Insurance plan offered by Mutual of Omaha. It allows individuals to apply for coverage to help fill the gaps in their Original Medicare benefits.
What are the benefits of Mutual of Omaha Medicare Supplement Plans?
The benefits of Mutual of Omaha Medicare Supplement Plans include coverage for out-of-pocket costs such as deductibles, copayments, and coinsurance that are not covered by Original Medicare. These plans provide financial protection and help individuals better manage their healthcare expenses.
What is the difference between Mutual of Omaha Medicare Plan G and Plan N?
Mutual of Omaha Medicare Plan G and Plan N both offer comprehensive coverage. Plan G covers all Medicare Part A and B deductibles, excess charges, and skilled nursing facility coinsurance. Plan N requires cost-sharing in the form of copayments for certain services, such as office visits and emergency room visits.
Who is eligible to apply for Mutual of Omaha Medicare Supplement Plans?
Eligibility for Mutual of Omaha Medicare Supplement Plans requires being enrolled in Medicare Part A and Part B. The best time to apply is during the Medigap Open Enrollment Period, which starts on the first day of the month in which you are 65 or older and enrolled in Medicare Part B.
When can I submit the Mutual of Omaha Medicare Supplement Application?
You can submit the Mutual of Omaha Medicare Supplement Application during your Medigap Open Enrollment Period. It’s important to apply during this period to ensure guaranteed issue rights and to avoid medical underwriting.
What additional benefits does Mutual of Omaha offer with their Medicare Supplement Plans?
Mutual of Omaha offers additional benefits with their Medicare Supplement Plans, such as access to the SilverSneakers fitness program, coverage for foreign travel emergencies, and a 30-day “free look” period to review your plan and make sure it meets your needs.
Can I use any doctor or hospital with Mutual of Omaha Medicare Supplement Plans?
Yes, with Mutual of Omaha Medicare Supplement Plans, you can visit any doctor or hospital that accepts Medicare. There are no network restrictions, giving you the freedom to choose healthcare providers that best suit your needs.
Does Mutual of Omaha Medicare Supplement Plans cover prescription drugs?
No, Mutual of Omaha Medicare Supplement Plans do not cover prescription drugs. However, you can enroll in a separate Medicare Part D prescription drug plan to add prescription drug coverage to your Medicare benefits.
How can I submit the Mutual of Omaha Medicare Supplement Application?
To submit the Mutual of Omaha Medicare Supplement Application, you can work with a licensed insurance agent who specializes in Medicare. They can assist you with the application process, answer any questions you may have, and guide you through the enrollment process.
Where can I get assistance with the Mutual of Omaha Medicare Supplement Application?
To get assistance with the Mutual of Omaha Medicare Supplement Application, it’s recommended to consult with licensed insurance agents who are knowledgeable about Mutual of Omaha plans. They can provide personalized guidance, help you complete the application accurately, and ensure you understand the coverage options available.
Apply for Mutual of Omaha Medicare Supplement Insurance Now!
If you’d like to apply for Medicare Supplement Insurance through Mutual of Omaha, you can fill out an application right on our website. While doing so, make sure you take your time and confirm that your answers are correct before submitting your application. For assistance with choosing a policy, give us a call at 1-888-891-0229 today!
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.